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

The average Howard City, MI auto insurance rates are $830 per month. The minimum auto insurance in Howard City is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Howard City, Michigan, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Howard City, Michigan is 20/40/10
  • Average auto insurance rates in Howard City, MI for senior drivers are $6,576 per year
  • The average commute length in Howard City is 32.4 minutes

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

Compare auto insurance in Howard City to other Michigan cities, including Ann Arbor auto insurance rates, Troy auto insurance rates, and Livonia auto insurance rates to see how Howard City, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Howard City, Michigan

Howard 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 Howard City, Michigan.

Minimum Required Auto Insurance Coverage in Howard 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 Howard City, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Howard 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 Howard 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 $16,758 $16,758 $15,566 $15,566 $41,506 $41,506 $17,653 $17,653
Farmers $4,583 $4,583 $4,277 $4,277 $9,988 $9,988 $5,149 $5,149
GEICO $3,786 $3,786 $3,863 $3,863 $10,955 $10,955 $3,629 $3,629
Liberty Mutual $15,334 $15,334 $15,181 $15,181 $36,223 $36,223 $15,334 $15,334
Nationwide $5,025 $5,025 $4,440 $4,440 $13,754 $13,754 $5,535 $5,535
Progressive $3,051 $2,873 $2,692 $2,964 $11,443 $12,371 $3,576 $3,396
State Farm $7,304 $7,304 $6,750 $6,750 $25,335 $25,335 $8,569 $8,569
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,655 $2,498 $2,500 $2,350 $6,403 $6,033 $3,215 $3,060

Cheap Howard City, Michigan Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,506 $41,506
Farmers $9,988 $9,988
GEICO $10,955 $10,955
Liberty Mutual $36,223 $36,223
Nationwide $13,754 $13,754
Progressive $11,443 $12,371
State Farm $25,335 $25,335
Travelers $13,395 $13,395
USAA $6,403 $6,033

Cheap Howard City, Michigan Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,566 $15,566
Farmers $4,277 $4,277
GEICO $3,863 $3,863
Liberty Mutual $15,181 $15,181
Nationwide $4,440 $4,440
Progressive $2,692 $2,964
State Farm $6,750 $6,750
Travelers $3,858 $3,858
USAA $2,500 $2,350

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

Annual Howard City, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,140 $14,886 $49,871 $15,586
Farmers $5,044 $6,417 $6,340 $6,197
GEICO $1,943 $4,139 $12,538 $3,613
Liberty Mutual $14,354 $17,322 $32,017 $18,378
Nationwide $6,149 $8,203 $7,471 $6,931
Progressive $4,512 $5,886 $5,286 $5,499
State Farm $7,684 $9,182 $19,663 $11,428
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,889 $3,607 $4,715 $3,147

Cheap Howard City, Michigan Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $49,871
Farmers $6,340
GEICO $12,538
Liberty Mutual $32,017
Nationwide $7,471
Progressive $5,286
State Farm $19,663
Travelers $10,331
USAA $4,715

Cheap Howard City, Michigan Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $34,761 $19,207 $14,645
Farmers $7,963 $5,221 $4,813
GEICO $7,145 $5,254 $4,276
Liberty Mutual $32,464 $18,743 $10,346
Nationwide $9,004 $6,790 $5,771
Progressive $6,082 $5,142 $4,664
State Farm $19,453 $9,837 $6,677
Travelers $6,813 $6,608 $6,525
USAA $5,371 $3,070 $2,328

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Cheap Howard City, Michigan Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
49329 $6,953

Cheap Howard City, Michigan Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,871 $22,871
Farmers $5,999 $5,999
GEICO $5,433 $5,684
Liberty Mutual $19,808 $21,228
Nationwide $7,189 $7,189
Progressive $5,296 $5,296
State Farm $11,668 $12,311
Travelers $6,611 $6,686
USAA $3,548 $3,631

Cheap Howard City, Michigan Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $22,308 $22,921 $23,383
Farmers $5,871 $5,988 $6,138
GEICO $5,217 $5,512 $5,946
Liberty Mutual $20,018 $20,469 $21,066
Nationwide $7,537 $7,062 $6,967
Progressive $5,146 $5,303 $5,439
State Farm $11,410 $12,061 $12,497
Travelers $6,575 $6,656 $6,715
USAA $3,486 $3,598 $3,684

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

Compare the cheapest auto insurance companies in Howard 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 Howard City, 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 Howard City, Michigan Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $22,871
Farmers $5,999
GEICO $5,558
Liberty Mutual $20,518
Nationwide $7,189
Progressive $5,296
State Farm $11,989
Travelers $6,649
USAA $3,589

What affects auto insurance rates in Howard City, Michigan?

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

Howard City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Howard City, Michigan commute length is 32.4 minutes according to City-Data.

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Compare Howard City, Michigan Auto Insurance Quotes

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