Buy Cheap Mackinac Island, MI Auto Insurance (2022)

Mackinac Island, MI auto insurance rates average $733 a month. Minimum auto insurance requirements in Mackinac Island, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Mackinac Island, MI, compare Mackinac Island auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Mackinac Island after a DUI is Allstate
  • Average auto insurance rates in Mackinac Island, MI for teens drivers are $16,569/year
  • Average auto insurance rates in Mackinac Island, MI after a DUI are $14,485/year

Finding affordable Mackinac Island, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Mackinac Island, MI auto insurance with confidence is right here. Auto insurance rates in Mackinac Island are affected by local factors as well as personal ones like your driving record.

See how Mackinac Island, MI car insurance rates compare to Warren auto insurance rates, Troy auto insurance rates, and Grand Rapids auto insurance rates before you read more about the cost of auto insurance in Mackinac Island.

Don’t buy Mackinac Island, MI auto insurance until you’ve compared rates. Get free Mackinac Island, Michigan auto insurance quotes when you enter your ZIP code above.

Mackinac Island, MI Minimum Auto Insurance Requirements

The required auto insurance in Mackinac Island, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Mackinac Island, Michigan is outlined here.

Minimum Required Auto Insurance Coverage in Mackinac Island, 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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Find Cheap Mackinac Island, MI Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Mackinac Island, MI. Take a look at Mackinac Island, Michigan auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Mackinac Island, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $6,508 $4,332 $4,003
GEICO $6,526 $4,804 $3,913
Liberty Mutual $27,174 $15,706 $8,682
Nationwide $7,218 $5,453 $4,649
Progressive $5,395 $4,508 $4,030
State Farm $16,293 $8,259 $5,618
Travelers $9,058 $8,784 $8,673
USAA $4,927 $2,816 $2,154

Buy Cheap Mackinac Island, MI Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Mackinac Island, Michigan auto insurance rates? Find out how car insurance rates in Mackinac Island, MI are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Mackinac Island, 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 $14,412 $14,412 $13,431 $13,431 $34,530 $34,530 $15,163 $15,163
Farmers $3,729 $3,729 $3,485 $3,485 $8,393 $8,393 $4,184 $4,184
GEICO $3,469 $3,469 $3,543 $3,543 $9,988 $9,988 $3,324 $3,324
Liberty Mutual $12,802 $12,802 $12,673 $12,673 $30,473 $30,473 $12,802 $12,802
Nationwide $4,104 $4,104 $3,642 $3,642 $10,849 $10,849 $4,499 $4,499
Progressive $2,840 $2,617 $2,510 $2,839 $9,825 $10,282 $3,283 $2,960
State Farm $6,109 $6,109 $5,657 $5,657 $21,291 $21,291 $7,170 $7,170
Travelers $5,919 $5,919 $5,072 $5,072 $17,926 $17,926 $6,435 $6,435
USAA $2,421 $2,305 $2,275 $2,158 $5,849 $5,584 $2,952 $2,849

Buy Cheap Mackinac Island, MI Auto Insurance for Teen Drivers

Auto insurance for teenagers in Mackinac Island can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Mackinac Island, MI are listed here.

Annual Auto Insurance Rates for Teen Drivers in Mackinac Island, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $8,393 $8,393
GEICO $9,988 $9,988
Liberty Mutual $30,473 $30,473
Nationwide $10,849 $10,849
Progressive $9,825 $10,282
State Farm $21,291 $21,291
Travelers $17,926 $17,926
USAA $5,849 $5,584

Buy Cheap Mackinac Island, MI Auto Insurance for Seniors

You can save on senior auto insurance rates in Mackinac Island, Michigan by comparing Mackinac Island senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Mackinac Island, MI here.

Annual Auto Insurance Rates for Senior Drivers in Mackinac Island, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,485 $3,485
GEICO $3,543 $3,543
Liberty Mutual $12,673 $12,673
Nationwide $3,642 $3,642
Progressive $2,510 $2,839
State Farm $5,657 $5,657
Travelers $5,072 $5,072
USAA $2,275 $2,158

Find Cheap Auto Insurance Rates in Mackinac Island, MI by Coverage Level

The amount of coverage you choose is a big factor in the cost of Mackinac Island, Michigan auto insurance. Compare Mackinac Island, MI auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Mackinac Island, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $4,799 $4,935 $5,109
GEICO $4,745 $5,036 $5,462
Liberty Mutual $16,785 $17,149 $17,629
Nationwide $6,050 $5,673 $5,597
Progressive $4,507 $4,650 $4,777
State Farm $9,579 $10,115 $10,475
Travelers $8,742 $8,848 $8,925
USAA $3,206 $3,306 $3,385

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Find Cheap Mackinac Island, MI Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Mackinac Island. Compare auto insurance rates in Mackinac Island, MI by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Mackinac Island, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,384 $19,384
Farmers $4,948 $4,948
GEICO $4,966 $5,196
Liberty Mutual $16,587 $17,788
Nationwide $5,773 $5,773
Progressive $4,645 $4,645
State Farm $9,791 $10,322
Travelers $8,787 $8,889
USAA $3,262 $3,337

Find Cheap Mackinac Island, MI Auto Insurance Rates by Driving Record

Auto insurance rates in Mackinac Island, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Mackinac Island, MI, take a look at the average cost for various violations versus rates for a clean driving record in Mackinac Island.

Annual Mackinac Island, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,561 $12,794 $41,923 $13,257
Farmers $4,163 $5,298 $5,231 $5,097
GEICO $1,787 $3,789 $11,441 $3,307
Liberty Mutual $12,187 $14,583 $26,480 $15,500
Nationwide $4,952 $6,568 $6,001 $5,572
Progressive $3,922 $5,172 $4,665 $4,820
State Farm $6,412 $7,680 $16,554 $9,581
Travelers $5,991 $8,543 $13,736 $7,082
USAA $2,661 $3,306 $4,332 $2,898

Find Cheap Mackinac Island, MI Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Mackinac Island, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Mackinac Island for less when you shop around and compare rates from multiple Mackinac Island, MI auto insurance companies.

Annual Auto Insurance Rates After a DUI in Mackinac Island, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $41,923
Farmers $5,231
GEICO $11,441
Liberty Mutual $26,480
Nationwide $6,001
Progressive $4,665
State Farm $16,554
Travelers $13,736
USAA $4,332

Winners by Category: Where to Buy Cheap Auto Insurance in Mackinac Island, MI

Compare rates from the cheapest auto insurance companies in Mackinac Island, MI for your needs. Take a look at how Mackinac Island, Michigan auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Mackinac Island, Michigan

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 Mackinac Island, Michigan Auto Insurance Companies

If you’re looking for the cheapest Mackinac Island, MI auto insurance companies overall, you can compare them here. Find the best price for Mackinac Island, Michigan car insurance by company.

Average Annual Auto Insurance Rates by Company in Mackinac Island, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $4,948
GEICO $5,081
Liberty Mutual $17,188
Nationwide $5,773
Progressive $4,645
State Farm $10,057
Travelers $8,838
USAA $3,299

What affects Mackinac Island, Michigan auto insurance rates?

Local factors affect auto insurance rates in Mackinac Island, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Mackinac Island auto insurance rates.

Commute Times in Mackinac Island

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Mackinac Island, MI is 8.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Mackinac Island, MI

You can buy cheap Mackinac Island, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Mackinac Island, Michigan auto insurance quotes from top companies.

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