Compare Mackinac Island, MI Car Insurance Rates (2021)

Car insurance in Mackinac Island, MI averages $733 a month. Mackinac Island, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Mackinac Island car insurance rates, compare quotes from the top car insurance companies in Mackinac Island, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Mackinac Island, MI after a DUI are $14,485/year
  • Average car insurance rates in Mackinac Island, MI are $8,801/year
  • The cheapest car insurance company in Mackinac Island is USAA

If you need to buy Mackinac Island, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Mackinac Island, MI is right here.

You’ll find Mackinac Island car insurance rates, the cheapest Mackinac Island, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Mackinac Island, Michigan car insurance rates to Sterling Heights car insurance rates, Troy car insurance rates, and Detroit car insurance rates.

Ready to find affordable Mackinac Island, MI car insurance today? Enter your ZIP code for fast, free Mackinac Island car insurance quotes.

Cheapest Mackinac Island, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Mackinac Island, MI car insurance rates? Every Mackinac Island, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Mackinac Island, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $14,412 $14,412 $13,431 $13,431 $34,530 $34,530 $15,163 $15,163
Farmers $3,729 $3,729 $3,485 $3,485 $8,393 $8,393 $4,184 $4,184
GEICO $3,469 $3,469 $3,543 $3,543 $9,988 $9,988 $3,324 $3,324
Liberty Mutual $12,802 $12,802 $12,673 $12,673 $30,473 $30,473 $12,802 $12,802
Nationwide $4,104 $4,104 $3,642 $3,642 $10,849 $10,849 $4,499 $4,499
Progressive $2,840 $2,617 $2,510 $2,839 $9,825 $10,282 $3,283 $2,960
State Farm $6,109 $6,109 $5,657 $5,657 $21,291 $21,291 $7,170 $7,170
Travelers $5,919 $5,919 $5,072 $5,072 $17,926 $17,926 $6,435 $6,435
USAA $2,421 $2,305 $2,275 $2,158 $5,849 $5,584 $2,952 $2,849

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Minimum Car Insurance in Mackinac Island, MI

Every driver must carry the minimum car insurance in Mackinac Island, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Mackinac Island, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Mackinac Island, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Mackinac Island, MI. Compare credit history car insurance rates in Mackinac Island from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Mackinac Island, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $6,508 $4,332 $4,003
GEICO $6,526 $4,804 $3,913
Liberty Mutual $27,174 $15,706 $8,682
Nationwide $7,218 $5,453 $4,649
Progressive $5,395 $4,508 $4,030
State Farm $16,293 $8,259 $5,618
Travelers $9,058 $8,784 $8,673
USAA $4,927 $2,816 $2,154

Cheapest Mackinac Island, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Mackinac Island, MI to rates for a clean record with top companies.

Annual Mackinac Island, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,561 $12,794 $41,923 $13,257
Farmers $4,163 $5,298 $5,231 $5,097
GEICO $1,787 $3,789 $11,441 $3,307
Liberty Mutual $12,187 $14,583 $26,480 $15,500
Nationwide $4,952 $6,568 $6,001 $5,572
Progressive $3,922 $5,172 $4,665 $4,820
State Farm $6,412 $7,680 $16,554 $9,581
Travelers $5,991 $8,543 $13,736 $7,082
USAA $2,661 $3,306 $4,332 $2,898

Cheapest Mackinac Island, MI Car Insurance for Teen Drivers

Teen car insurance in Mackinac Island, MI can be expensive. Take a look at rates from the top car insurance companies in Mackinac Island for teenagers.

Annual Car Insurance Rates for Teen Drivers in Mackinac Island, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $8,393 $8,393
GEICO $9,988 $9,988
Liberty Mutual $30,473 $30,473
Nationwide $10,849 $10,849
Progressive $9,825 $10,282
State Farm $21,291 $21,291
Travelers $17,926 $17,926
USAA $5,849 $5,584

Cheapest Mackinac Island, MI Car Insurance for Seniors

Take a look at Mackinac Island, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Mackinac Island, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,485 $3,485
GEICO $3,543 $3,543
Liberty Mutual $12,673 $12,673
Nationwide $3,642 $3,642
Progressive $2,510 $2,839
State Farm $5,657 $5,657
Travelers $5,072 $5,072
USAA $2,275 $2,158

Cheapest Mackinac Island, MI Car Insurance Rates After a DUI

A DUI in Mackinac Island, MI increases car insurance rates. Compare Mackinac Island, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Mackinac Island, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $41,923
Farmers $5,231
GEICO $11,441
Liberty Mutual $26,480
Nationwide $6,001
Progressive $4,665
State Farm $16,554
Travelers $13,736
USAA $4,332

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Cheapest Mackinac Island, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Mackinac Island, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Mackinac Island, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,384 $19,384
Farmers $4,948 $4,948
GEICO $4,966 $5,196
Liberty Mutual $16,587 $17,788
Nationwide $5,773 $5,773
Progressive $4,645 $4,645
State Farm $9,791 $10,322
Travelers $8,787 $8,889
USAA $3,262 $3,337

The Best Cheap Car Insurance Companies in Mackinac Island, MI

Take a look at a side-by-side comparison of the top car insurance companies in Mackinac Island, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Mackinac Island, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $4,948
GEICO $5,081
Liberty Mutual $17,188
Nationwide $5,773
Progressive $4,645
State Farm $10,057
Travelers $8,838
USAA $3,299

Category Winners: Cheapest Car Insurance in Mackinac Island, Michigan

Find the cheapest car insurance companies in Mackinac Island, MI for each category right here.

Best Annual Car Insurance Rates by Company in Mackinac Island, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Mackinac Island, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Mackinac Island car insurance rates. Find the cheapest Mackinac Island, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Mackinac Island, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $4,799 $4,935 $5,109
GEICO $4,745 $5,036 $5,462
Liberty Mutual $16,785 $17,149 $17,629
Nationwide $6,050 $5,673 $5,597
Progressive $4,507 $4,650 $4,777
State Farm $9,579 $10,115 $10,475
Travelers $8,742 $8,848 $8,925
USAA $3,206 $3,306 $3,385

What affects car insurance rates in Mackinac Island, Michigan?

What factors can have an impact on Mackinac Island, MI car insurance? There are several reasons why Mackinac Island car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Mackinac Island, Michigan.

Car Theft in Mackinac Island

High levels of vehicle theft can make car insurance more expensive. Mackinac Island, MI car theft statistics from the FBI indicate 0 vehicle thefts a year.

Commute Time in Mackinac Island

The more time you spend in your car the higher the risk of an accident. The average commute length in Mackinac Island, MI is 8.4 minutes according to City-Data.

Compare Car Insurance Quotes in Mackinac Island, MI

Ready to find affordable Mackinac Island, Michigan car insurance today? Enter your ZIP code for fast, free Mackinac Island, MI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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