Best Cheap Auto Insurance in Luna Pier, MI (2021)

The average Luna Pier, MI auto insurance rates are $851 per month. The minimum auto insurance in Luna Pier is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Luna Pier, 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 average commute length in Luna Pier is 27.6 minutes
  • The cheapest auto insurance company in Luna Pier is USAA
  • The most expensive auto insurance company in Luna Pier for teen drivers is Allstate

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

Compare auto insurance in Luna Pier to other Michigan cities, including Detroit auto insurance rates, Flint auto insurance rates, and Sterling Heights auto insurance rates to see how Luna Pier, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Luna Pier, Michigan

Luna Pier, 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 Luna Pier, Michigan.

Minimum Required Auto Insurance Coverage in Luna Pier, 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 Luna Pier, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Luna Pier, 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 Luna Pier, 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 $15,884 $15,884 $14,787 $14,787 $39,019 $39,019 $16,726 $16,726
Farmers $4,410 $4,410 $4,126 $4,126 $9,619 $9,619 $4,944 $4,944
GEICO $4,775 $4,775 $4,894 $4,894 $12,927 $12,927 $4,541 $4,541
Liberty Mutual $15,624 $15,624 $15,474 $15,474 $36,217 $36,217 $15,624 $15,624
Nationwide $3,550 $3,550 $3,173 $3,173 $9,174 $9,174 $3,883 $3,883
Progressive $3,191 $2,915 $2,825 $3,202 $11,568 $12,139 $3,691 $3,301
State Farm $8,901 $8,901 $8,320 $8,320 $32,054 $32,054 $10,472 $10,472
Travelers $5,380 $5,380 $4,626 $4,626 $16,180 $16,180 $5,842 $5,842
USAA $2,713 $2,556 $2,554 $2,399 $6,743 $6,381 $3,303 $3,149

Cheap Luna Pier, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Luna Pier, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $39,019 $39,019
Farmers $9,619 $9,619
GEICO $12,927 $12,927
Liberty Mutual $36,217 $36,217
Nationwide $9,174 $9,174
Progressive $11,568 $12,139
State Farm $32,054 $32,054
Travelers $16,180 $16,180
USAA $6,743 $6,381

Cheap Luna Pier, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Luna Pier, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,787 $14,787
Farmers $4,126 $4,126
GEICO $4,894 $4,894
Liberty Mutual $15,474 $15,474
Nationwide $3,173 $3,173
Progressive $2,825 $3,202
State Farm $8,320 $8,320
Travelers $4,626 $4,626
USAA $2,554 $2,399

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

Annual Luna Pier, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,468 $14,036 $47,226 $14,685
Farmers $4,862 $6,179 $6,112 $5,946
GEICO $2,367 $5,048 $15,332 $4,390
Liberty Mutual $14,111 $17,337 $33,172 $18,319
Nationwide $4,246 $5,637 $5,129 $4,767
Progressive $4,506 $5,984 $5,377 $5,548
State Farm $9,328 $11,279 $24,935 $14,205
Travelers $5,416 $7,736 $12,473 $6,404
USAA $2,992 $3,745 $4,900 $3,262

Cheap Luna Pier, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Luna Pier, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $47,226
Farmers $6,112
GEICO $15,332
Liberty Mutual $33,172
Nationwide $5,129
Progressive $5,377
State Farm $24,935
Travelers $12,473
USAA $4,900

Cheap Luna Pier, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Luna Pier, Michigan

Insurance Company Poor Fair Good
Allstate $32,807 $18,163 $13,842
Farmers $7,703 $5,010 $4,611
GEICO $8,733 $6,411 $5,209
Liberty Mutual $32,810 $18,942 $10,452
Nationwide $6,167 $4,675 $3,992
Progressive $6,203 $5,203 $4,656
State Farm $24,266 $12,247 $8,297
Travelers $8,206 $7,958 $7,858
USAA $5,573 $3,183 $2,419

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Cheap Luna Pier, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Luna Pier, Michigan

ZIP Code Average Annual Rates
48157 $7,091

Cheap Luna Pier, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Luna Pier, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $21,604 $21,604
Farmers $5,775 $5,775
GEICO $6,630 $6,938
Liberty Mutual $20,035 $21,435
Nationwide $4,945 $4,945
Progressive $5,354 $5,354
State Farm $14,522 $15,351
Travelers $7,961 $8,053
USAA $3,682 $3,767

Cheap Luna Pier, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Luna Pier, Michigan

Insurance Company Low Medium High
Allstate $20,947 $21,662 $22,203
Farmers $5,614 $5,761 $5,949
GEICO $6,264 $6,709 $7,380
Liberty Mutual $20,193 $20,681 $21,330
Nationwide $5,102 $4,881 $4,851
Progressive $5,160 $5,362 $5,540
State Farm $14,113 $15,038 $15,659
Travelers $7,920 $8,016 $8,086
USAA $3,610 $3,735 $3,829

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Best By Category: Cheapest Auto Insurance in Luna Pier, Michigan

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

Best Annual Auto Insurance Rates by Company in Luna Pier, 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 Luna Pier, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Luna Pier, Michigan

Insurance Company Average Annual Rates
Allstate $21,604
Farmers $5,775
GEICO $6,784
Liberty Mutual $20,735
Nationwide $4,945
Progressive $5,354
State Farm $14,937
Travelers $8,007
USAA $3,725

What affects auto insurance rates in Luna Pier, Michigan?

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

Luna Pier Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Luna Pier, Michigan auto theft statistics, there have been 0 auto thefts in the city.

Luna Pier Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Luna Pier, Michigan commute length is 27.6 minutes according to City-Data.

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Compare Luna Pier, Michigan Auto Insurance Quotes

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