Compare Petoskey, MI Car Insurance Rates (2021)

Car insurance in Petoskey, MI averages $782 a month. Petoskey, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Petoskey car insurance rates, compare quotes from the top car insurance companies in Petoskey, 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

  • The cheapest car insurance company in Petoskey is USAA
  • Average car insurance rates in Petoskey, MI after a DUI are $15,876/year
  • Average car insurance rates in Petoskey, MI are $9,385/year

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

You’ll find Petoskey car insurance rates, the cheapest Petoskey, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Petoskey, Michigan car insurance rates to Flint car insurance rates, Livonia car insurance rates, and Dearborn car insurance rates.

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

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

How do age, gender, and marital status affect Petoskey, MI car insurance rates? Every Petoskey, 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 Petoskey, 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 $18,178 $18,178 $17,007 $17,007 $43,020 $43,020 $19,109 $19,109
Farmers $3,207 $3,207 $2,997 $2,997 $7,304 $7,304 $3,602 $3,602
GEICO $3,704 $3,704 $3,778 $3,778 $10,469 $10,469 $3,544 $3,544
Liberty Mutual $13,423 $13,423 $13,290 $13,290 $31,542 $31,542 $13,423 $13,423
Nationwide $4,680 $4,680 $4,166 $4,166 $12,064 $12,064 $5,117 $5,117
Progressive $2,498 $2,346 $2,220 $2,443 $9,223 $9,926 $2,907 $2,742
State Farm $6,299 $6,299 $5,818 $5,818 $21,897 $21,897 $7,398 $7,398
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,490 $2,382 $2,337 $2,222 $6,169 $5,933 $3,061 $2,971

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Minimum Car Insurance in Petoskey, MI

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

Minimum Required Car Insurance Coverage in Petoskey, 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 Petoskey, MI Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Petoskey, Michigan

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $5,586 $3,763 $3,484
GEICO $6,905 $5,080 $4,136
Liberty Mutual $28,338 $16,372 $9,047
Nationwide $8,198 $6,128 $5,194
Progressive $4,914 $4,167 $3,783
State Farm $16,776 $8,501 $5,781
Travelers $8,169 $7,922 $7,822
USAA $5,154 $2,934 $2,249

Cheapest Petoskey, 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 Petoskey, MI to rates for a clean record with top companies.

Annual Petoskey, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,781 $15,856 $53,166 $16,511
Farmers $3,599 $4,582 $4,519 $4,411
GEICO $1,893 $4,004 $12,101 $3,497
Liberty Mutual $12,457 $15,103 $28,109 $16,009
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $3,664 $4,760 $4,285 $4,443
State Farm $6,609 $7,911 $17,027 $9,865
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,774 $3,452 $4,531 $3,025

Cheapest Petoskey, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Petoskey, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $7,304 $7,304
GEICO $10,469 $10,469
Liberty Mutual $31,542 $31,542
Nationwide $12,064 $12,064
Progressive $9,223 $9,926
State Farm $21,897 $21,897
Travelers $16,137 $16,137
USAA $6,169 $5,933

Cheapest Petoskey, MI Car Insurance for Seniors

Take a look at Petoskey, 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 Petoskey, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $2,997 $2,997
GEICO $3,778 $3,778
Liberty Mutual $13,290 $13,290
Nationwide $4,166 $4,166
Progressive $2,220 $2,443
State Farm $5,818 $5,818
Travelers $4,589 $4,589
USAA $2,337 $2,222

Cheapest Petoskey, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Petoskey, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $53,166
Farmers $4,519
GEICO $12,101
Liberty Mutual $28,109
Nationwide $6,765
Progressive $4,285
State Farm $17,027
Travelers $12,382
USAA $4,531

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Cheapest Petoskey, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Petoskey, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $24,328 $24,328
Farmers $4,277 $4,277
GEICO $5,252 $5,495
Liberty Mutual $17,304 $18,535
Nationwide $6,507 $6,507
Progressive $4,288 $4,288
State Farm $10,085 $10,621
Travelers $7,926 $8,017
USAA $3,407 $3,484

The Best Cheap Car Insurance Companies in Petoskey, MI

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

Average Annual Car Insurance Rates by Company in Petoskey, Michigan

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $4,277
GEICO $5,374
Liberty Mutual $17,919
Nationwide $6,507
Progressive $4,288
State Farm $10,353
Travelers $7,971
USAA $3,446

Category Winners: Cheapest Car Insurance in Petoskey, Michigan

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

Best Annual Car Insurance Rates by Company in Petoskey, Michigan

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

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Cheapest Petoskey, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Petoskey, Michigan

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $4,158 $4,268 $4,407
GEICO $5,038 $5,328 $5,755
Liberty Mutual $17,501 $17,878 $18,379
Nationwide $6,846 $6,388 $6,286
Progressive $4,158 $4,295 $4,412
State Farm $9,893 $10,410 $10,756
Travelers $7,889 $7,978 $8,047
USAA $3,350 $3,453 $3,534

What affects car insurance rates in Petoskey, Michigan?

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

Car Theft in Petoskey

High levels of vehicle theft can make car insurance more expensive. Petoskey, MI car theft statistics from the FBI indicate 4 vehicle thefts a year.

Commute Time in Petoskey

The more time you spend in your car the higher the risk of an accident. The average commute length in Petoskey, MI is 14.6 minutes according to City-Data.

Compare Car Insurance Quotes in Petoskey, MI

Ready to find affordable Petoskey, Michigan car insurance today? Enter your ZIP code for fast, free Petoskey, 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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