Buy Cheap Port Huron, MI Auto Insurance in 2024
Port Huron, MI auto insurance rates average $858 a month. Minimum auto insurance requirements in Port Huron, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Port Huron, MI, compare Port Huron auto insurance quotes from top companies.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Aug 26, 2024
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
UPDATED: Aug 26, 2024
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
On This Page
- The most expensive auto insurance company in Port Huron is Allstate
- The most expensive auto insurance company in Port Huron after a DUI is Allstate
- Average auto insurance rates in Port Huron, MI after a DUI are $17,143/year
Finding affordable Port Huron, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Port Huron, MI auto insurance with confidence is right here. Auto insurance rates in Port Huron are affected by local factors as well as personal ones like your driving record.
See how Port Huron, MI car insurance rates compare to Livonia auto insurance rates, Troy auto insurance rates, and Sterling Heights auto insurance rates before you read more about the cost of auto insurance in Port Huron.
Don’t buy Port Huron, MI auto insurance until you’ve compared rates. Get free Port Huron, Michigan auto insurance quotes when you enter your ZIP code above.
Port Huron, MI Minimum Auto Insurance Requirements
The required auto insurance in Port Huron, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Port Huron, Michigan is outlined here.
| 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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Find Cheap Port Huron, MI Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Port Huron, MI. Take a look at Port Huron, Michigan auto insurance rates by credit history.
| 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 |
Buy Cheap Port Huron, MI Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Port Huron, Michigan auto insurance rates? Find out how car insurance rates in Port Huron, MI are impacted by demographics.
| 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 |
Buy Cheap Port Huron, MI Auto Insurance for Teen Drivers
Auto insurance for teenagers in Port Huron can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Port Huron, MI are listed here.
| 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 |
Buy Cheap Port Huron, MI Auto Insurance for Seniors
You can save on senior auto insurance rates in Port Huron, Michigan by comparing Port Huron senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Port Huron, MI here.
| 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 |
Find Cheap Auto Insurance Rates in Port Huron, MI by Coverage Level
The amount of coverage you choose is a big factor in the cost of Port Huron, Michigan auto insurance. Compare Port Huron, MI auto insurance rates by coverage level.
| 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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Find Cheap Port Huron, MI Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Port Huron. Compare auto insurance rates in Port Huron, MI by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 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 |
Find Cheap Port Huron, MI Auto Insurance Rates by Driving Record
Auto insurance rates in Port Huron, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Port Huron, MI, take a look at the average cost for various violations versus rates for a clean driving record in Port Huron.
| 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 |
Find Cheap Port Huron, MI Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Port Huron, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Port Huron for less when you shop around and compare rates from multiple Port Huron, MI auto insurance companies.
| 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 |
Winners by Category: Where to Buy Cheap Auto Insurance in Port Huron, MI
Compare rates from the cheapest auto insurance companies in Port Huron, MI for your needs. Take a look at how Port Huron, Michigan auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
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Find Cheap Port Huron, Michigan Auto Insurance Companies
If you’re looking for the cheapest Port Huron, MI auto insurance companies overall, you can compare them here. Find the best price for Port Huron, Michigan car insurance by company.
| 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 Port Huron, Michigan auto insurance rates?
Local factors affect auto insurance rates in Port Huron, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Port Huron auto insurance rates.
Auto Theft in Port Huron
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Port Huron, MI auto theft show a total of 50 vehicle thefts annually.
Commute Times in Port Huron
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Port Huron, MI is 20.6 minutes according to City-Data.
Compare Auto Insurance Quotes in Port Huron, MI
You can buy cheap Port Huron, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Port Huron, Michigan auto insurance quotes from top companies.
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Frequently Asked Questions
How can I buy cheap auto insurance in Port Huron, MI in 2023?
To buy cheap auto insurance in Port Huron, MI in 2023, consider the following tips:
- Compare quotes from multiple insurance providers: Obtain quotes from various insurance companies to find the most affordable rates.
- Maintain a clean driving record: A history of safe driving can help lower your insurance premiums.
- Opt for a higher deductible: Choosing a higher deductible can lower your monthly premiums, but keep in mind that you’ll be responsible for paying a larger amount out of pocket in the event of a claim.
- Utilize available discounts: Many insurance providers offer discounts for factors such as good grades for students, multiple policies, or safe driving courses. Inquire about these discounts when obtaining quotes.
- Consider the type of coverage you need: Assess your specific insurance needs and choose coverage options accordingly. Removing unnecessary coverage can help reduce costs.
What factors can affect the cost of auto insurance in Port Huron, MI?
Several factors can influence the cost of auto insurance in Port Huron, MI. These factors include your driving record, age, type of vehicle, coverage options, deductibles, credit history, and even your zip code. Insurance providers assess these variables to determine the level of risk associated with insuring you and set the corresponding premiums.
Can I purchase auto insurance online in Port Huron, MI?
Yes, it is generally possible to change your auto insurance provider during your policy term in Port Huron, MI. However, it’s important to review your current policy’s terms and conditions, particularly the cancellation and refund policies, to ensure a smooth transition. It’s advisable to compare quotes and coverage options from multiple providers before making a decision, ensuring that the new policy meets your needs and budget.
Are there any consequences for driving without auto insurance in Port Huron, MI?
Yes, driving without auto insurance in Port Huron, MI can have serious consequences. Michigan law requires all drivers to have minimum liability insurance coverage. If you are caught driving without insurance, you may face penalties such as fines, license suspension, vehicle impoundment, and even potential criminal charges. Additionally, if you are involved in an accident without insurance, you may be personally responsible for covering the costs of damages and medical expenses, which can be financially devastating. It’s crucial to ensure you have valid auto insurance coverage to comply with the law and protect yourself financially.
What is the minimum auto insurance coverage required in Port Huron, MI?
In Port Huron, MI, the minimum auto insurance coverage required by law is known as “no-fault” insurance. The minimum requirements include Personal Injury Protection (PIP) coverage, Property Protection (PPI) coverage, and Residual Bodily Injury and Property Damage Liability (BI/PD) coverage. The specific limits and details of these coverages may vary, so it’s important to consult with an insurance professional or refer to the state’s insurance department for the most up-to-date information.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.