Best Cheap Auto Insurance in Pentwater, MI (2021)

The average Pentwater, MI auto insurance rates are $776 per month. The minimum auto insurance in Pentwater is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Pentwater, 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 Pentwater for teen drivers is Allstate
  • The minimum auto insurance required in Pentwater, Michigan is 20/40/10
  • The average commute length in Pentwater is 17.2 minutes

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

Compare auto insurance in Pentwater to other Michigan cities, including Grand Rapids auto insurance rates, Ann Arbor auto insurance rates, and Warren auto insurance rates to see how Pentwater, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Pentwater, Michigan

Pentwater, 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 Pentwater, Michigan.

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

Auto insurance rates in Pentwater, 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 Pentwater, 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 $14,681 $14,681 $13,611 $13,611 $36,902 $36,902 $15,474 $15,474
Farmers $4,288 $4,288 $4,001 $4,001 $9,439 $9,439 $4,813 $4,813
GEICO $3,657 $3,657 $3,692 $3,692 $9,795 $9,795 $3,491 $3,491
Liberty Mutual $14,956 $14,956 $14,804 $14,804 $35,785 $35,785 $14,956 $14,956
Nationwide $4,649 $4,649 $4,126 $4,126 $12,340 $12,340 $5,101 $5,101
Progressive $3,030 $2,836 $2,672 $2,968 $11,003 $11,773 $3,537 $3,307
State Farm $6,571 $6,571 $6,083 $6,083 $22,796 $22,796 $7,706 $7,706
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,640 $2,489 $2,483 $2,340 $6,312 $5,955 $3,197 $3,050

Cheap Pentwater, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Pentwater, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,902 $36,902
Farmers $9,439 $9,439
GEICO $9,795 $9,795
Liberty Mutual $35,785 $35,785
Nationwide $12,340 $12,340
Progressive $11,003 $11,773
State Farm $22,796 $22,796
Travelers $13,395 $13,395
USAA $6,312 $5,955

Cheap Pentwater, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Pentwater, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,611 $13,611
Farmers $4,001 $4,001
GEICO $3,692 $3,692
Liberty Mutual $14,804 $14,804
Nationwide $4,126 $4,126
Progressive $2,672 $2,968
State Farm $6,083 $6,083
Travelers $3,858 $3,858
USAA $2,483 $2,340

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

Annual Pentwater, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,787 $13,067 $44,083 $13,732
Farmers $4,743 $6,029 $5,955 $5,813
GEICO $1,879 $3,851 $11,514 $3,391
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $5,604 $7,485 $6,811 $6,316
Progressive $4,366 $5,715 $5,143 $5,339
State Farm $6,911 $8,260 $17,701 $10,283
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,866 $3,572 $4,674 $3,121

Cheap Pentwater, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Pentwater, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,083
Farmers $5,955
GEICO $11,514
Liberty Mutual $30,874
Nationwide $6,811
Progressive $5,143
State Farm $17,701
Travelers $10,331
USAA $4,674

Cheap Pentwater, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Pentwater, Michigan

Insurance Company Poor Fair Good
Allstate $30,569 $16,939 $12,993
Farmers $7,454 $4,915 $4,536
GEICO $6,627 $4,877 $3,972
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $8,224 $6,184 $5,254
Progressive $5,931 $4,989 $4,502
State Farm $17,490 $8,857 $6,020
Travelers $6,813 $6,608 $6,525
USAA $5,325 $3,042 $2,308

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Cheap Pentwater, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Pentwater, Michigan

ZIP Code Average Annual Rates
49449 $6,513

Cheap Pentwater, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Pentwater, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,167 $20,167
Farmers $5,635 $5,635
GEICO $5,038 $5,280
Liberty Mutual $19,417 $20,833
Nationwide $6,554 $6,554
Progressive $5,141 $5,141
State Farm $10,499 $11,079
Travelers $6,611 $6,686
USAA $3,517 $3,599

Cheap Pentwater, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Pentwater, Michigan

Insurance Company Low Medium High
Allstate $19,727 $20,206 $20,568
Farmers $5,491 $5,622 $5,792
GEICO $4,814 $5,112 $5,550
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $6,869 $6,440 $6,353
Progressive $4,988 $5,147 $5,287
State Farm $10,257 $10,855 $11,255
Travelers $6,575 $6,656 $6,715
USAA $3,458 $3,566 $3,651

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Best By Category: Cheapest Auto Insurance in Pentwater, Michigan

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

Best Annual Auto Insurance Rates by Company in Pentwater, 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 Pentwater, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Pentwater, Michigan

Insurance Company Average Annual Rates
Allstate $20,167
Farmers $5,635
GEICO $5,159
Liberty Mutual $20,125
Nationwide $6,554
Progressive $5,141
State Farm $10,789
Travelers $6,649
USAA $3,558

What affects auto insurance rates in Pentwater, Michigan?

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

Pentwater Auto Theft

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

Pentwater Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Pentwater, Michigan commute length is 17.2 minutes according to City-Data.

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Compare Pentwater, Michigan Auto Insurance Quotes

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