Best Cheap Auto Insurance in Port Huron, MI (2021)

The average Port Huron, MI auto insurance rates are $858 per month. The minimum auto insurance in Port Huron is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Port Huron, 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 average commute length in Port Huron is 20.6 minutes
  • The minimum auto insurance required in Port Huron, Michigan is 20/40/10
  • The cheapest auto insurance company in Port Huron is USAA

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

Compare auto insurance in Port Huron to other Michigan cities, including Sterling Heights auto insurance rates, Flint auto insurance rates, and Dearborn auto insurance rates to see how Port Huron, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Port Huron, Michigan

Port Huron, 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 Port Huron, Michigan.

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

Auto insurance rates in Port Huron, 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 Port Huron, 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 $16,411 $16,411 $15,231 $15,231 $41,080 $41,080 $17,296 $17,296
Farmers $4,107 $4,107 $3,821 $3,821 $9,715 $9,715 $4,616 $4,616
GEICO $4,103 $4,103 $4,217 $4,217 $11,571 $11,571 $3,916 $3,916
Liberty Mutual $15,999 $15,999 $15,844 $15,844 $37,070 $37,070 $15,999 $15,999
Nationwide $5,224 $5,224 $4,643 $4,643 $14,083 $14,083 $5,749 $5,749
Progressive $3,413 $3,108 $3,018 $3,436 $12,379 $12,956 $3,949 $3,510
State Farm $6,877 $6,877 $6,416 $6,416 $24,513 $24,513 $8,083 $8,083
Travelers $6,203 $6,203 $5,303 $5,303 $18,896 $18,896 $6,744 $6,744
USAA $2,602 $2,437 $2,454 $2,299 $6,290 $5,899 $3,140 $2,972

Cheap Port Huron, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Port Huron, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,080 $41,080
Farmers $9,715 $9,715
GEICO $11,571 $11,571
Liberty Mutual $37,070 $37,070
Nationwide $14,083 $14,083
Progressive $12,379 $12,956
State Farm $24,513 $24,513
Travelers $18,896 $18,896
USAA $6,290 $5,899

Cheap Port Huron, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Port Huron, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,231 $15,231
Farmers $3,821 $3,821
GEICO $4,217 $4,217
Liberty Mutual $15,844 $15,844
Nationwide $4,643 $4,643
Progressive $3,018 $3,436
State Farm $6,416 $6,416
Travelers $5,303 $5,303
USAA $2,454 $2,299

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

Annual Port Huron, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,915 $14,587 $49,199 $15,317
Farmers $4,680 $5,971 $5,887 $5,721
GEICO $2,060 $4,431 $13,471 $3,846
Liberty Mutual $14,437 $17,741 $33,989 $18,745
Nationwide $6,329 $8,525 $7,704 $7,141
Progressive $4,805 $6,402 $5,746 $5,931
State Farm $7,206 $8,690 $19,078 $10,916
Travelers $6,226 $8,953 $14,603 $7,364
USAA $2,826 $3,534 $4,609 $3,077

Cheap Port Huron, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Port Huron, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $49,199
Farmers $5,887
GEICO $13,471
Liberty Mutual $33,989
Nationwide $7,704
Progressive $5,746
State Farm $19,078
Travelers $14,603
USAA $4,609

Cheap Port Huron, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Port Huron, Michigan

Insurance Company Poor Fair Good
Allstate $34,120 $18,904 $14,489
Farmers $7,252 $4,902 $4,541
GEICO $7,655 $5,626 $4,576
Liberty Mutual $33,591 $19,394 $10,699
Nationwide $9,331 $7,009 $5,934
Progressive $6,639 $5,560 $4,964
State Farm $18,604 $9,416 $6,397
Travelers $9,512 $9,230 $9,116
USAA $5,245 $3,009 $2,280

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Cheap Port Huron, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Port Huron, Michigan

ZIP Code Average Annual Rates
48060 $7,288

Cheap Port Huron, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Port Huron, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,504 $22,504
Farmers $5,565 $5,565
GEICO $5,819 $6,085
Liberty Mutual $20,512 $21,944
Nationwide $7,425 $7,425
Progressive $5,721 $5,721
State Farm $11,160 $11,785
Travelers $9,233 $9,340
USAA $3,471 $3,552

Cheap Port Huron, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Port Huron, Michigan

Insurance Company Low Medium High
Allstate $21,886 $22,559 $23,067
Farmers $5,346 $5,543 $5,806
GEICO $5,533 $5,896 $6,427
Liberty Mutual $20,718 $21,178 $21,787
Nationwide $7,722 $7,312 $7,240
Progressive $5,525 $5,728 $5,911
State Farm $10,867 $11,547 $12,003
Travelers $9,203 $9,293 $9,362
USAA $3,405 $3,520 $3,610

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Best By Category: Cheapest Auto Insurance in Port Huron, Michigan

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

Best Annual Auto Insurance Rates by Company in Port Huron, 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 Port Huron, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Port Huron, Michigan

Insurance Company Average Annual Rates
Allstate $22,504
Farmers $5,565
GEICO $5,952
Liberty Mutual $21,228
Nationwide $7,425
Progressive $5,721
State Farm $11,473
Travelers $9,286
USAA $3,512

What affects auto insurance rates in Port Huron, Michigan?

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

Port Huron Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Port Huron, Michigan auto theft statistics, there have been 50 auto thefts in the city.

Port Huron Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Port Huron, Michigan commute length is 20.6 minutes according to City-Data.

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Compare Port Huron, Michigan Auto Insurance Quotes

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