Best Cheap Auto Insurance in Higgins Lake, MI (2021)

The average Higgins Lake, MI auto insurance rates are $762 per month. The minimum auto insurance in Higgins Lake is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Higgins Lake, 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 minimum auto insurance required in Higgins Lake, Michigan is 20/40/10
  • Average auto insurance rates in Higgins Lake, MI for senior drivers are $6,004 per year
  • The cheapest auto insurance company in Higgins Lake is USAA

Higgins Lake, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Higgins Lake 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 Higgins Lake, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Higgins Lake to other Michigan cities, including Grand Rapids auto insurance rates, Warren auto insurance rates, and Lansing auto insurance rates to see how Higgins Lake, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Higgins Lake, Michigan

Higgins Lake, 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 Higgins Lake, Michigan.

Minimum Required Auto Insurance Coverage in Higgins Lake, 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 Higgins Lake, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Higgins Lake, 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 Higgins Lake, 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 $14,192 $14,192 $13,168 $13,168 $35,302 $35,302 $14,954 $14,954
Farmers $4,563 $4,563 $4,256 $4,256 $10,160 $10,160 $5,134 $5,134
GEICO $3,895 $3,895 $3,953 $3,953 $10,771 $10,771 $3,723 $3,723
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $3,919 $3,919 $3,491 $3,491 $10,297 $10,297 $4,294 $4,294
Progressive $3,226 $3,002 $2,846 $3,178 $11,886 $12,686 $3,765 $3,488
State Farm $6,743 $6,743 $6,235 $6,235 $23,271 $23,271 $7,902 $7,902
Travelers $5,584 $5,584 $4,792 $4,792 $16,861 $16,861 $6,069 $6,069
USAA $2,665 $2,538 $2,501 $2,371 $6,546 $6,259 $3,265 $3,153

Cheap Higgins Lake, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Higgins Lake, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,302 $35,302
Farmers $10,160 $10,160
GEICO $10,771 $10,771
Liberty Mutual $30,474 $30,474
Nationwide $10,297 $10,297
Progressive $11,886 $12,686
State Farm $23,271 $23,271
Travelers $16,861 $16,861
USAA $6,546 $6,259

Cheap Higgins Lake, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Higgins Lake, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,168 $13,168
Farmers $4,256 $4,256
GEICO $3,953 $3,953
Liberty Mutual $12,695 $12,695
Nationwide $3,491 $3,491
Progressive $2,846 $3,178
State Farm $6,235 $6,235
Travelers $4,792 $4,792
USAA $2,501 $2,371

Cheap Higgins Lake, 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 Higgins Lake, Michigan compared to the annual auto insurance rates with a clean record in Higgins Lake, Michigan.

Annual Higgins Lake, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,488 $12,659 $42,222 $13,247
Farmers $5,062 $6,453 $6,371 $6,226
GEICO $1,991 $4,162 $12,539 $3,649
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $4,715 $6,276 $5,708 $5,301
Progressive $4,667 $6,139 $5,513 $5,720
State Farm $7,101 $8,470 $18,055 $10,524
Travelers $5,658 $8,053 $12,908 $6,686
USAA $2,946 $3,672 $4,818 $3,213

Cheap Higgins Lake, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Higgins Lake, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $42,222
Farmers $6,371
GEICO $12,539
Liberty Mutual $26,565
Nationwide $5,708
Progressive $5,513
State Farm $18,055
Travelers $12,908
USAA $4,818

Cheap Higgins Lake, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Higgins Lake, Michigan

Insurance Company Poor Fair Good
Allstate $29,442 $16,297 $12,473
Farmers $7,966 $5,262 $4,856
GEICO $7,179 $5,280 $4,297
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $6,873 $5,198 $4,429
Progressive $6,359 $5,350 $4,820
State Farm $17,897 $9,060 $6,156
Travelers $8,534 $8,275 $8,170
USAA $5,490 $3,119 $2,378

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Cheap Higgins Lake, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Higgins Lake, Michigan

ZIP Code Average Annual Rates
48627 $6,516

Cheap Higgins Lake, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Higgins Lake, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,404 $19,404
Farmers $6,028 $6,028
GEICO $5,456 $5,714
Liberty Mutual $16,605 $17,805
Nationwide $5,500 $5,500
Progressive $5,510 $5,510
State Farm $10,739 $11,336
Travelers $8,279 $8,375
USAA $3,620 $3,704

Cheap Higgins Lake, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Higgins Lake, Michigan

Insurance Company Low Medium High
Allstate $18,945 $19,445 $19,822
Farmers $5,891 $6,016 $6,177
GEICO $5,230 $5,537 $5,988
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $5,736 $5,412 $5,352
Progressive $5,351 $5,517 $5,662
State Farm $10,490 $11,105 $11,518
Travelers $8,241 $8,334 $8,405
USAA $3,566 $3,670 $3,751

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Best By Category: Cheapest Auto Insurance in Higgins Lake, Michigan

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

Best Annual Auto Insurance Rates by Company in Higgins Lake, Michigan

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

The Cheapest Higgins Lake, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Higgins Lake, Michigan

Insurance Company Average Annual Rates
Allstate $19,404
Farmers $6,028
GEICO $5,585
Liberty Mutual $17,205
Nationwide $5,500
Progressive $5,510
State Farm $11,038
Travelers $8,327
USAA $3,662

Compare Higgins Lake, Michigan Auto Insurance Quotes

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