Best Cheap Auto Insurance in Petoskey, MI (2021)

The average Petoskey, MI auto insurance rates are $782 per month. The minimum auto insurance in Petoskey is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Petoskey, Michigan, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The most expensive auto insurance company in Petoskey for teen drivers is Allstate
  • The average commute length in Petoskey is 14.6 minutes
  • Average auto insurance rates in Petoskey, MI for senior drivers are $6,251 per year

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

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

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

Minimum Auto Insurance in Petoskey, Michigan

Petoskey, 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 Petoskey, Michigan.

Minimum Required Auto Insurance Coverage in Petoskey, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Petoskey, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Petoskey, 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 Petoskey, 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 $18,178 $18,178 $17,007 $17,007 $43,020 $43,020 $19,109 $19,109
Farmers $3,207 $3,207 $2,997 $2,997 $7,304 $7,304 $3,602 $3,602
GEICO $3,704 $3,704 $3,778 $3,778 $10,469 $10,469 $3,544 $3,544
Liberty Mutual $13,423 $13,423 $13,290 $13,290 $31,542 $31,542 $13,423 $13,423
Nationwide $4,680 $4,680 $4,166 $4,166 $12,064 $12,064 $5,117 $5,117
Progressive $2,498 $2,346 $2,220 $2,443 $9,223 $9,926 $2,907 $2,742
State Farm $6,299 $6,299 $5,818 $5,818 $21,897 $21,897 $7,398 $7,398
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,490 $2,382 $2,337 $2,222 $6,169 $5,933 $3,061 $2,971

Cheap Petoskey, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Petoskey, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $7,304 $7,304
GEICO $10,469 $10,469
Liberty Mutual $31,542 $31,542
Nationwide $12,064 $12,064
Progressive $9,223 $9,926
State Farm $21,897 $21,897
Travelers $16,137 $16,137
USAA $6,169 $5,933

Cheap Petoskey, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Petoskey, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $2,997 $2,997
GEICO $3,778 $3,778
Liberty Mutual $13,290 $13,290
Nationwide $4,166 $4,166
Progressive $2,220 $2,443
State Farm $5,818 $5,818
Travelers $4,589 $4,589
USAA $2,337 $2,222

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

Annual Petoskey, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,781 $15,856 $53,166 $16,511
Farmers $3,599 $4,582 $4,519 $4,411
GEICO $1,893 $4,004 $12,101 $3,497
Liberty Mutual $12,457 $15,103 $28,109 $16,009
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $3,664 $4,760 $4,285 $4,443
State Farm $6,609 $7,911 $17,027 $9,865
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,774 $3,452 $4,531 $3,025

Cheap Petoskey, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Petoskey, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $53,166
Farmers $4,519
GEICO $12,101
Liberty Mutual $28,109
Nationwide $6,765
Progressive $4,285
State Farm $17,027
Travelers $12,382
USAA $4,531

Cheap Petoskey, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Petoskey, Michigan

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $5,586 $3,763 $3,484
GEICO $6,905 $5,080 $4,136
Liberty Mutual $28,338 $16,372 $9,047
Nationwide $8,198 $6,128 $5,194
Progressive $4,914 $4,167 $3,783
State Farm $16,776 $8,501 $5,781
Travelers $8,169 $7,922 $7,822
USAA $5,154 $2,934 $2,249

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Petoskey, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Petoskey, Michigan

ZIP Code Average Annual Rates
49770 $6,567

Cheap Petoskey, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Petoskey, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,328 $24,328
Farmers $4,277 $4,277
GEICO $5,252 $5,495
Liberty Mutual $17,304 $18,535
Nationwide $6,507 $6,507
Progressive $4,288 $4,288
State Farm $10,085 $10,621
Travelers $7,926 $8,017
USAA $3,407 $3,484

Cheap Petoskey, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Petoskey, Michigan

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $4,158 $4,268 $4,407
GEICO $5,038 $5,328 $5,755
Liberty Mutual $17,501 $17,878 $18,379
Nationwide $6,846 $6,388 $6,286
Progressive $4,158 $4,295 $4,412
State Farm $9,893 $10,410 $10,756
Travelers $7,889 $7,978 $8,047
USAA $3,350 $3,453 $3,534

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Petoskey, Michigan

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

Best Annual Auto Insurance Rates by Company in Petoskey, Michigan

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

The Cheapest Petoskey, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Petoskey, Michigan

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $4,277
GEICO $5,374
Liberty Mutual $17,919
Nationwide $6,507
Progressive $4,288
State Farm $10,353
Travelers $7,971
USAA $3,446

What affects auto insurance rates in Petoskey, Michigan?

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

Petoskey Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Petoskey, Michigan auto theft statistics, there have been 4 auto thefts in the city.

Petoskey Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Petoskey, Michigan commute length is 14.6 minutes according to City-Data.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Petoskey, Michigan Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption