Best Port Huron, MI Car Insurance in 2025
Car insurance in Port Huron, MI averages $858 a month. Port Huron, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Port Huron car insurance rates, compare quotes from the top car insurance companies in Port Huron, MI.
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Table of Contents
Table of Contents
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Melanie Musson
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Michael Leotta
Updated December 2025
- The cheapest car insurance company in Port Huron is USAA
- Average car insurance rates in Port Huron, MI are $10,296/year
- Average car insurance rates in Port Huron, MI after a DUI are $17,143/year
If you need to buy Port Huron, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Port Huron, MI is right here.
You’ll find Port Huron car insurance rates, the cheapest Port Huron, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Port Huron, Michigan car insurance rates to Grand Rapids car insurance rates, Ann Arbor car insurance rates, and Lansing car insurance rates.
Ready to find affordable Port Huron, MI car insurance today? Enter your ZIP code for fast, free Port Huron car insurance quotes.
Cheapest Port Huron, MI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Port Huron, MI car insurance rates? Every Port Huron, Michigan car insurance company weighs these factors differently, so check out the comparison rates.
| 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 |
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Minimum Car Insurance in Port Huron, MI
Every driver must carry the minimum car insurance in Port Huron, MI. Take a look at the Michigan car insurance requirements.
| 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 |
Cheapest Port Huron, MI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Port Huron, MI. Compare credit history car insurance rates in Port Huron from top companies for good, fair, and poor credit.
| 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 |
Cheapest Port Huron, MI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Port Huron, MI to rates for a clean record with top companies.
| 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 |
Cheapest Port Huron, MI Car Insurance for Teen Drivers
Teen car insurance in Port Huron, MI can be expensive. Take a look at rates from the top car insurance companies in Port Huron for teenagers.
| 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 |
Cheapest Port Huron, MI Car Insurance for Seniors
Take a look at Port Huron, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| 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 |
Cheapest Port Huron, MI Car Insurance Rates After a DUI
A DUI in Port Huron, MI increases car insurance rates. Compare Port Huron, Michigan DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car 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 |
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Cheapest Port Huron, MI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Port Huron, MI by commute? Take a look at a comparison of the top companies by commute length.
| 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 |
The Best Cheap Car Insurance Companies in Port Huron, MI
Take a look at a side-by-side comparison of the top car insurance companies in Port Huron, MI to find the best option for your needs.
| 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 |
Category Winners: Cheapest Car Insurance in Port Huron, Michigan
Find the cheapest car insurance companies in Port Huron, MI for each category right here.
| 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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Cheapest Port Huron, MI Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Port Huron car insurance rates. Find the cheapest Port Huron, MI car 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 |
What affects car insurance rates in Port Huron, Michigan?
What factors can have an impact on Port Huron, MI car insurance? There are several reasons why Port Huron car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Port Huron, Michigan.
Car Theft in Port Huron
High levels of vehicle theft can make car insurance more expensive. Port Huron, MI car theft statistics from the FBI indicate 50 vehicle thefts a year.
Commute Time in Port Huron
The more time you spend in your car the higher the risk of an accident. The average commute length in Port Huron, MI is 20.6 minutes according to City-Data.
Compare Car Insurance Quotes in Port Huron, MI
Ready to find affordable Port Huron, Michigan car insurance today? Enter your ZIP code for fast, free Port Huron, MI car insurance quotes.
Frequently Asked Questions
How does commute length affect car insurance rates in Port Huron, MI?
Commute length can impact car insurance rates in Port Huron, MI. Typically, longer commutes may result in higher premiums due to increased exposure to risks on the road. Comparing quotes from different insurance companies can help you find the most competitive rates for your specific commute length.
How does a DUI affect car insurance rates in Port Huron, MI?
A DUI can significantly increase car insurance rates in Port Huron, MI. Insurance companies generally consider DUI convictions as high-risk behavior, which results in higher premiums. It’s important to compare rates from multiple insurers to find the most affordable coverage.
What are the car insurance rates for senior drivers in Port Huron, MI?
Car insurance rates for senior drivers in Port Huron, MI can vary depending on factors such as age, gender, and driving record. To find the best rates, senior drivers should compare quotes from different insurance companies.
What are the car insurance rates for teen drivers in Port Huron, MI?
Car insurance rates for teen drivers in Port Huron, MI can be relatively high. It’s recommended to compare quotes from different insurance companies to find the most affordable options for insuring teen drivers.
How does my driving record affect car insurance rates in Port Huron, MI?
Your driving record is a significant factor in determining car insurance rates in Port Huron, MI. A clean driving record with no accidents or violations typically results in lower premiums, while a record with accidents, DUIs, or speeding violations can lead to higher rates.
How does my credit score impact car insurance rates in Port Huron, MI?
Your credit score can influence car insurance rates in Port Huron, MI. Generally, a higher credit score may result in lower insurance premiums, while a lower credit score may lead to higher premiums.
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