Best Cheap Auto Insurance in Boyne City, MI (2021)

The average Boyne City, MI auto insurance rates are $782 per month. The minimum auto insurance in Boyne City is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Boyne City, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Boyne City for teen drivers is Allstate
  • The minimum auto insurance required in Boyne City, Michigan is 20/40/10
  • The cheapest auto insurance company in Boyne City is USAA

Boyne City, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Boyne City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Boyne City, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Boyne City to other Michigan cities, including Ann Arbor auto insurance rates, Sterling Heights auto insurance rates, and Grand Rapids auto insurance rates to see how Boyne City, Michigan auto insurance rates stack up.

Before you buy Boyne City, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Boyne City, Michigan auto insurance quotes.

Minimum Auto Insurance in Boyne City, Michigan

Boyne City, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Boyne City, Michigan.

Minimum Required Auto Insurance Coverage in Boyne City, 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

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Cheap Boyne City, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Boyne City, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Boyne City, 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 $3,264 $3,264 $3,051 $3,051 $7,440 $7,440 $3,667 $3,667
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 $2,611 $2,436 $2,316 $2,572 $9,467 $10,103 $3,032 $2,818
State Farm $6,220 $6,220 $5,742 $5,742 $21,536 $21,536 $7,301 $7,301
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,473 $2,364 $2,321 $2,207 $6,108 $5,869 $3,037 $2,945

Cheap Boyne City, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Boyne City, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Boyne City, Michigan.

Annual Auto Insurance Rates for Teen Drivers in Boyne City, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $7,440 $7,440
GEICO $10,469 $10,469
Liberty Mutual $31,542 $31,542
Nationwide $12,064 $12,064
Progressive $9,467 $10,103
State Farm $21,536 $21,536
Travelers $16,137 $16,137
USAA $6,108 $5,869

Cheap Boyne City, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Boyne City, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Boyne City, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $3,051 $3,051
GEICO $3,778 $3,778
Liberty Mutual $13,290 $13,290
Nationwide $4,166 $4,166
Progressive $2,316 $2,572
State Farm $5,742 $5,742
Travelers $4,589 $4,589
USAA $2,321 $2,207

Cheap Boyne City, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Boyne City, Michigan compared to the annual auto insurance rates with a clean record in Boyne City, Michigan.

Annual Boyne City, Michigan Auto 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 $3,664 $4,666 $4,602 $4,491
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 $3,763 $4,912 $4,422 $4,581
State Farm $6,531 $7,807 $16,739 $9,721
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,750 $3,422 $4,492 $2,998

Cheap Boyne City, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Boyne City, Michigan is not easy. Compare the annual rates for DUI auto insurance in Boyne City, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Boyne City, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $53,166
Farmers $4,602
GEICO $12,101
Liberty Mutual $28,109
Nationwide $6,765
Progressive $4,422
State Farm $16,739
Travelers $12,382
USAA $4,492

Cheap Boyne City, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Boyne City, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Boyne City, Michigan

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $5,689 $3,831 $3,547
GEICO $6,905 $5,080 $4,136
Liberty Mutual $28,338 $16,372 $9,047
Nationwide $8,198 $6,128 $5,194
Progressive $5,086 $4,294 $3,879
State Farm $16,525 $8,376 $5,697
Travelers $8,169 $7,922 $7,822
USAA $5,106 $2,910 $2,231

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Cheap Boyne City, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Boyne City, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Boyne City, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Boyne City, Michigan

ZIP Code Average Annual Rates
49712 $6,574

Cheap Boyne City, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Boyne City, Michigan auto insurance. Find the cheapest annual Boyne City, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Boyne City, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,328 $24,328
Farmers $4,356 $4,356
GEICO $5,252 $5,495
Liberty Mutual $17,304 $18,535
Nationwide $6,507 $6,507
Progressive $4,419 $4,419
State Farm $9,934 $10,465
Travelers $7,926 $8,017
USAA $3,377 $3,454

Cheap Boyne City, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Boyne City, Michigan? Check out the comparison of annual Boyne City, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Boyne City, Michigan

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $4,234 $4,346 $4,488
GEICO $5,038 $5,328 $5,755
Liberty Mutual $17,501 $17,878 $18,379
Nationwide $6,846 $6,388 $6,286
Progressive $4,291 $4,425 $4,541
State Farm $9,743 $10,256 $10,600
Travelers $7,889 $7,978 $8,047
USAA $3,316 $3,423 $3,507

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Best By Category: Cheapest Auto Insurance in Boyne City, Michigan

Compare the cheapest auto insurance companies in Boyne City, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Boyne City, Michigan

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

The Cheapest Boyne City, Michigan Auto Insurance Companies

What auto insurance companies in Boyne City, Michigan are the cheapest? Compare the top Boyne City, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Boyne City, Michigan

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $4,356
GEICO $5,374
Liberty Mutual $17,919
Nationwide $6,507
Progressive $4,419
State Farm $10,199
Travelers $7,971
USAA $3,415

What affects auto insurance rates in Boyne City, Michigan?

There are a lot of reasons why auto insurance rates in Boyne City, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Boyne City, Michigan. Many local factors may affect your Boyne City auto insurance rates.

Boyne City Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Boyne City, Michigan auto theft statistics, there have been 5 auto thefts in the city.

Boyne City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Boyne City, Michigan commute length is 19.2 minutes according to City-Data.

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Compare Boyne City, Michigan Auto Insurance Quotes

Before you buy Boyne City, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Boyne City, Michigan auto insurance quotes.

Free Auto Insurance Comparison

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

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