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

The average Houghton Lake, MI auto insurance rates are $761 per month. The minimum auto insurance in Houghton Lake is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Houghton 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 cheapest auto insurance company in Houghton Lake is USAA
  • The average commute length in Houghton Lake is 21.5 minutes
  • The minimum auto insurance required in Houghton Lake, Michigan is 20/40/10

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

Compare auto insurance in Houghton Lake to other Michigan cities, including Dearborn auto insurance rates, Detroit auto insurance rates, and Sterling Heights auto insurance rates to see how Houghton Lake, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Houghton Lake, Michigan

Houghton 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 Houghton Lake, Michigan.

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

Auto insurance rates in Houghton 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 Houghton 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 $14,193 $14,193 $13,169 $13,169 $35,303 $35,303 $14,954 $14,954
Farmers $4,456 $4,456 $4,157 $4,157 $9,951 $9,951 $5,015 $5,015
GEICO $3,860 $3,860 $3,917 $3,917 $10,694 $10,694 $3,690 $3,690
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 $2,955 $2,751 $2,609 $2,912 $10,587 $11,257 $3,436 $3,177
State Farm $7,231 $7,231 $6,705 $6,705 $25,229 $25,229 $8,482 $8,482
Travelers $5,584 $5,584 $4,792 $4,792 $16,861 $16,861 $6,069 $6,069
USAA $2,572 $2,434 $2,418 $2,284 $6,179 $5,858 $3,124 $2,994

Cheap Houghton Lake, Michigan Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,303 $35,303
Farmers $9,951 $9,951
GEICO $10,694 $10,694
Liberty Mutual $30,474 $30,474
Nationwide $10,297 $10,297
Progressive $10,587 $11,257
State Farm $25,229 $25,229
Travelers $16,861 $16,861
USAA $6,179 $5,858

Cheap Houghton Lake, Michigan Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,169 $13,169
Farmers $4,157 $4,157
GEICO $3,917 $3,917
Liberty Mutual $12,695 $12,695
Nationwide $3,491 $3,491
Progressive $2,609 $2,912
State Farm $6,705 $6,705
Travelers $4,792 $4,792
USAA $2,418 $2,284

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

Annual Houghton Lake, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,489 $12,660 $42,223 $13,247
Farmers $4,950 $6,311 $6,230 $6,089
GEICO $1,975 $4,129 $12,437 $3,620
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $4,715 $6,276 $5,708 $5,301
Progressive $4,205 $5,517 $4,971 $5,149
State Farm $7,607 $9,104 $19,585 $11,350
Travelers $5,658 $8,053 $12,908 $6,686
USAA $2,806 $3,494 $4,575 $3,057

Cheap Houghton Lake, Michigan Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $42,223
Farmers $6,230
GEICO $12,437
Liberty Mutual $26,565
Nationwide $5,708
Progressive $4,971
State Farm $19,585
Travelers $12,908
USAA $4,575

Cheap Houghton Lake, Michigan Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $29,443 $16,297 $12,474
Farmers $7,781 $5,150 $4,753
GEICO $7,121 $5,237 $4,262
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $6,873 $5,198 $4,429
Progressive $5,733 $4,815 $4,334
State Farm $19,326 $9,774 $6,635
Travelers $8,534 $8,275 $8,170
USAA $5,210 $2,975 $2,263

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Cheap Houghton Lake, Michigan Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
48629 $6,485
48651 $6,483

Cheap Houghton Lake, Michigan Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,405 $19,405
Farmers $5,895 $5,895
GEICO $5,413 $5,668
Liberty Mutual $16,605 $17,805
Nationwide $5,500 $5,500
Progressive $4,961 $4,961
State Farm $11,586 $12,237
Travelers $8,279 $8,375
USAA $3,443 $3,523

Cheap Houghton Lake, Michigan Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $18,945 $19,446 $19,823
Farmers $5,757 $5,882 $6,045
GEICO $5,186 $5,492 $5,943
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $5,736 $5,412 $5,352
Progressive $4,798 $4,967 $5,116
State Farm $11,300 $11,987 $12,447
Travelers $8,241 $8,334 $8,405
USAA $3,387 $3,491 $3,572

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

Compare the cheapest auto insurance companies in Houghton 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 Houghton 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 Houghton Lake, Michigan Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $19,405
Farmers $5,895
GEICO $5,540
Liberty Mutual $17,205
Nationwide $5,500
Progressive $4,961
State Farm $11,912
Travelers $8,327
USAA $3,483

What affects auto insurance rates in Houghton Lake, Michigan?

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

Houghton Lake Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Houghton Lake, Michigan commute length is 21.5 minutes according to City-Data.

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Compare Houghton Lake, Michigan Auto Insurance Quotes

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