Cheapest Car Insurance Quotes in Luna Pier

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Luna Pier Car Insurance

^$ 35

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Luna Pier

The car insurance rate in Luna Pier is $1203 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $493, making it a popular choice for budget-conscious drivers. Rates in Luna Pier can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Luna Pier

$1203

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Luna Pier

1st place: Travelers

At $493 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $618 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $683 for six months, making it the third cheapest auto insurance company in Luna Pier.

Luna Pier Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Luna Pier, MI is Travelers, offering policies at just $493 for a six-month term. This is followed by USAA, which has an average six-month premium of $618.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $814 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Luna Pier drivers find the best deals.

Cheap Car Insurance Companies in Luna Pier, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$493	$83
USAA	$618	$104
Encompass	$683	$114
Auto-Owners Insurance Co	$701	$119
Chubb	$737	$123
Auto-Owners	$826	$139
AAA	$843	$142
Farm Bureau Ins of MI	$867	$147
Pioneer State Mutual Ins Co	$944	$157
Progressive	$944	$159
Westfield	$1176	$198
Farm Bureau	$1325	$225
State Farm	$1687	$284
Allstate	$1800	$306
Bristol West	$2346	$391
Farmers	$3647	$620
Hastings Mutual	$814	$136

Key Takeaways

Way's key takeaways about car insurance in Luna Pier

The auto insurance costs in Luna Pier fall around $493 for six months.
The cheapest auto insurance company in Luna Pier is Travelers.
Teen drivers pay the highest rate in Luna Pier at $966 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Luna Pier

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Luna Pier are given below.

Travelers provides the cheapest minimum car insurance coverage in Luna Pier. Their Average 6 Month Premium is $208. Hastings Mutual is the most expensive at $356 for the same period.

Cheapest Liability Coverage in Luna Pier, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$208	$35
Westfield	$220	$37
USAA	$279	$47
Encompass	$285	$48
Chubb	$303	$50
Auto-Owners Insurance Co	$327	$56
Auto-Owners	$386	$65
Farm Bureau Ins of MI	$422	$72
Progressive	$434	$73
AAA	$517	$88
Farm Bureau	$653	$109
Allstate	$766	$130
Bristol West	$980	$163
State Farm	$1051	$177
Farmers	$1895	$316
Hastings Mutual	$356	$59

Cheapest Full Coverage Car Insurance in Luna Pier

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Luna Pier is Travelers at $83 per month and $493 for six months.

Cheapest Full Coverage Car Insurance Quotes in Luna Pier, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$493	$83
USAA	$618	$104
Encompass	$683	$114
Auto-Owners Insurance Co	$701	$119
Chubb	$737	$123
Auto-Owners	$826	$139
AAA	$843	$142
Farm Bureau Ins of MI	$867	$147
Pioneer State Mutual Ins Co	$944	$157
Progressive	$944	$159
Westfield	$1176	$198
Farm Bureau	$1325	$225
State Farm	$1687	$284
Allstate	$1800	$306
Bristol West	$2346	$391
Farmers	$3647	$620
Hastings Mutual	$814	$136

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Average Car Insurance in Luna Pier by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Luna Pier, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Luna Pier, Michigan, may be increasing due to several external factors. Michigan has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Luna Pier's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Luna Pier

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$279
30s	USAA	$212
40s	USAA	$203
50s	USAA	$195
60s	Chubb	$178
70s	Chubb	$195

Cheapest Car Insurance Rates for Teen Drivers in Luna Pier,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Luna Pier at $41 per month. At $5797 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$244	$41
Westfield	$261	$44
Encompass	$285	$48
Chubb	$339	$58
Auto-Owners Insurance Co	$356	$59
Grange	$463	$79
USAA	$939	$158
Auto-Owners	$1123	$189
AAA	$1497	$252
Farm Bureau	$2156	$367
Progressive	$2311	$389
Allstate	$3897	$663
State Farm	$3998	$666
Farmers	$16727	$2844
Bristol West	$5797	$966

Teen Car Insurance Rates in MI by Age

Way Tip

If you are in your twenties Chubb is the best choice for car insurance in Luna Pier.

As young drivers face the highest rates in Luna Pier, Chubb offers the cheapest auto insurance rates at $279 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Luna Pier, Travelers is the cheapest car insurance provider. At $398 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Luna Pier is Farm Bureau Ins of MI, offering rates of around $1259 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$398	$68
Encompass	$410	$68
Progressive	$576	$98
Westfield	$606	$101
Auto-Owners Insurance Co	$642	$109
Pioneer State Mutual Ins Co	$784	$131
Grange	$992	$169
Farm Bureau Ins of MI	$1259	$210

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Luna Pier.

Car Insurance Rates with An Accident in Luna Pier

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Luna Pier, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Luna Pier

The cheapest car insurance companies after an at-fault accident in Luna Pier include Chubb and Westfield, offering $303 and $321, respectively. Pioneer State is an expensive provider with an average six-month premium of $475.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$303	$52
Westfield	$321	$53
Auto-Owners Insurance Co	$374	$64
Encompass	$422	$70
Farm Bureau Ins of MI	$499	$85
Pioneer State Mutual Ins Co	$552	$92
Travelers	$588	$99
USAA	$737	$124
Progressive	$814	$137
Auto-Owners	$909	$153
AAA	$1164	$196
Farm Bureau	$1622	$270
State Farm	$1847	$314
Allstate	$2869	$478
Farmers	$5126	$872
Pioneer State	$475	$79

Luna Pier Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Luna Pier MI. For example, the car insurance in Luna Pier after a DUI increases to $2400 for a six month policy. While the rate increases by $1307 for a six-month policy in the case of a speeding ticket.

Luna Pier auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1307	$218
Failure to wear a seat belt	$1550	$264
Cell phone violation	$1645	$274
Texting while driving	$1645	$280
Illegal turn	$1651	$275
Wrong way/wrong lane	$1651	$281
Speeding in school zone	$1675	$279
Driving with expired registration	$1687	$287
Failure to stop at a red light	$1705	$284
Improper passing	$1705	$290
Speeding 16 - 20 MPH over limit	$1895	$316
Open container	$2233	$380
Driving with a suspended license	$2501	$417
Racing	$3225	$548
Reckless driving	$3505	$584
Leaving scene of an accident/hit and run	$3594	$611
DUI	$3707	$618

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Luna Pier after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Luna Pier.

The cheapest car insurance premiums in Luna Pier are offered by Chubb at $303 for a six-month policy. However, it can be as expensive as $9361 with companies like Allstate.

Luna Pier car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$303	$50
Auto-Owners Insurance Co	$802	$136
Grange	$808	$135
Progressive	$861	$145
Pioneer State Mutual Ins Co	$974	$162
USAA	$1051	$177
Travelers	$1194	$199
Auto-Owners	$1806	$304
Westfield	$1966	$331
AAA	$2031	$342
Bristol West	$2780	$463
Farmers	$2851	$480
Farm Bureau	$3374	$562
State Farm	$4247	$715
Allstate	$9361	$1560

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Luna Pier are offered by Westfield at $261. However, it can be as expensive as $11815 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Luna Pier after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$261	$44
Chubb	$303	$50
Encompass	$321	$55
Travelers	$392	$65
Auto-Owners Insurance Co	$416	$71
Farm Bureau Ins of MI	$594	$99
USAA	$618	$105
Grange	$630	$105
Auto-Owners	$867	$147
Progressive	$1271	$214
AAA	$1289	$219
Farm Bureau	$1295	$216
Allstate	$2346	$399
State Farm	$3938	$656
Farmers	$11815	$2009

Car Insurance Price Trends in Luna Pier, Michigan

Car insurance rates in Luna Pier have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Luna Pier dipped by $268 in December compared to $275 of November. In other words, there has been an decrease by $7 when you compare December and November.

The average cost of liability insurance in the Luna Pier rose to $89 in December, compared to $82 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Luna Pier?

The car insurance in Luna Pier is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Luna Pier?

The cheapest car insurance in Luna Pier is $83 per month for full coverage.

How much is car insurance in Luna Pier for teenagers?

Car insurance for teenagers costs $244 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Luna Pier?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $202 per month to insure your car in Luna Pier.

Is car insurance expensive in Luna Pier?

Car insurance can be expensive in Luna Pier if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Luna Pier can be affordable.

Cheapest Car Insurance Quotes in Luna Pier

Why you can trust Way?

How Much Is Car Insurance in Luna Pier

Avg. Car Insurance in Luna Pier

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Luna Pier

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Luna Pier Car Insurance Rates by Company

Cheap Car Insurance Companies in Luna Pier, MI

Way's key takeaways about car insurance in Luna Pier

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Luna Pier

Cheapest Liability Coverage in Luna Pier, MI

Cheapest Full Coverage Car Insurance in Luna Pier

Cheapest Full Coverage Car Insurance Quotes in Luna Pier, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Luna Pier by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Luna Pier, MI increasing?

Car Insurance Premiums by Age in Luna Pier

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Luna Pier,MI

If you are in your twenties Chubb is the best choice for car insurance in Luna Pier.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Luna Pier

Cheapest Car Insurance Companies after an At-Fault Accident in Luna Pier

Luna Pier Car Insurance Rates by Violation

Luna Pier auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Luna Pier after a DUI

Luna Pier car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Luna Pier after Speeding ticket

Car Insurance Price Trends in Luna Pier, Michigan

Average Car Insurance Cost in Luna Pier by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Luna Pier, MI

Car Insurance Rates by State in the USA (2025 Update)

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