Cheapest Car Insurance Quotes in Mackinac Island

Finding the cheapest car insurance quotes in Mackinac Island shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Mackinac Island Car Insurance

^$ 29

/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 Mackinac Island

The car insurance rate in Mackinac Island is $986 for a six-month policy, which is $217 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $404, making it a popular choice for budget-conscious drivers. Rates in Mackinac Island 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 Mackinac Island

$986

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Mackinac Island

1st place: Travelers

At $404 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $507 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $560 for six months, making it the third cheapest auto insurance company in Mackinac Island.

Mackinac Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mackinac Island, MI is Travelers, offering policies at just $404 for a six-month term. This is followed by USAA, which has an average six-month premium of $507.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $667 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mackinac Island drivers find the best deals.

Cheap Car Insurance Companies in Mackinac Island, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$404	$68
USAA	$507	$85
Encompass	$560	$93
Auto-Owners Insurance Co	$575	$98
Chubb	$604	$101
Auto-Owners	$677	$114
AAA	$691	$116
Farm Bureau Ins of MI	$711	$121
Pioneer State Mutual Ins Co	$774	$129
Progressive	$774	$130
Westfield	$964	$162
Farm Bureau	$1087	$185
State Farm	$1383	$233
Allstate	$1476	$251
Bristol West	$1924	$321
Farmers	$2991	$508
Hastings Mutual	$667	$112

Key Takeaways

Way's key takeaways about car insurance in Mackinac Island

The auto insurance costs in Mackinac Island fall around $404 for six months.
The cheapest auto insurance company in Mackinac Island is Travelers.
Teen drivers pay the highest rate in Mackinac Island at $792 per month.

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Cheapest Minimum Liability Car Insurance in Mackinac Island

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 Mackinac Island are given below.

Travelers provides the cheapest minimum car insurance coverage in Mackinac Island. Their Average 6 Month Premium is $171. Hastings Mutual is the most expensive at $292 for the same period.

Cheapest Liability Coverage in Mackinac Island, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$171	$29
Westfield	$180	$30
USAA	$229	$39
Encompass	$234	$39
Chubb	$248	$41
Auto-Owners Insurance Co	$268	$46
Auto-Owners	$317	$53
Farm Bureau Ins of MI	$346	$59
Progressive	$356	$60
AAA	$424	$72
Farm Bureau	$535	$89
Allstate	$628	$107
Bristol West	$804	$134
State Farm	$862	$145
Farmers	$1554	$259
Hastings Mutual	$292	$48

Cheapest Full Coverage Car Insurance in Mackinac Island

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 Mackinac Island is Travelers at $68 per month and $404 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mackinac Island, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$404	$68
USAA	$507	$85
Encompass	$560	$93
Auto-Owners Insurance Co	$575	$98
Chubb	$604	$101
Auto-Owners	$677	$114
AAA	$691	$116
Farm Bureau Ins of MI	$711	$121
Pioneer State Mutual Ins Co	$774	$129
Progressive	$774	$130
Westfield	$964	$162
Farm Bureau	$1087	$185
State Farm	$1383	$233
Allstate	$1476	$251
Bristol West	$1924	$321
Farmers	$2991	$508
Hastings Mutual	$667	$112

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Average Car Insurance in Mackinac Island 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 Mackinac Island, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Mackinac Island, 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, Mackinac Island's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Mackinac Island

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	$229
30s	USAA	$174
40s	USAA	$166
50s	USAA	$160
60s	Chubb	$146
70s	Chubb	$160

Cheapest Car Insurance Rates for Teen Drivers in Mackinac Island,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Mackinac Island at $34 per month. At $4754 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$200	$34
Westfield	$214	$36
Encompass	$234	$39
Chubb	$278	$48
Auto-Owners Insurance Co	$292	$48
Grange	$380	$65
USAA	$770	$130
Auto-Owners	$921	$155
AAA	$1228	$207
Farm Bureau	$1768	$301
Progressive	$1895	$319
Allstate	$3196	$544
State Farm	$3278	$546
Farmers	$13716	$2332
Bristol West	$4754	$792

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 Mackinac Island.

As young drivers face the highest rates in Mackinac Island, Chubb offers the cheapest auto insurance rates at $229 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 Mackinac Island, Travelers is the cheapest car insurance provider. At $326 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 Mackinac Island is Farm Bureau Ins of MI, offering rates of around $1032 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$326	$56
Encompass	$336	$56
Progressive	$472	$80
Westfield	$497	$83
Auto-Owners Insurance Co	$526	$89
Pioneer State Mutual Ins Co	$643	$107
Grange	$813	$139
Farm Bureau Ins of MI	$1032	$172

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Mackinac Island.

Car Insurance Rates with An Accident in Mackinac Island

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 Mackinac Island, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Mackinac Island

The cheapest car insurance companies after an at-fault accident in Mackinac Island include Chubb and Westfield, offering $248 and $263, respectively. Pioneer State is an expensive provider with an average six-month premium of $390.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$248	$43
Westfield	$263	$43
Auto-Owners Insurance Co	$307	$52
Encompass	$346	$57
Farm Bureau Ins of MI	$409	$70
Pioneer State Mutual Ins Co	$453	$75
Travelers	$482	$81
USAA	$604	$102
Progressive	$667	$112
Auto-Owners	$745	$125
AAA	$954	$161
Farm Bureau	$1330	$221
State Farm	$1515	$257
Allstate	$2353	$392
Farmers	$4203	$715
Pioneer State	$390	$65

Mackinac Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mackinac Island MI. For example, the car insurance in Mackinac Island after a DUI increases to $1968 for a six month policy. While the rate increases by $1072 for a six-month policy in the case of a speeding ticket.

Mackinac Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1072	$179
Failure to wear a seat belt	$1271	$216
Cell phone violation	$1349	$225
Texting while driving	$1349	$230
Illegal turn	$1354	$226
Wrong way/wrong lane	$1354	$230
Speeding in school zone	$1374	$229
Driving with expired registration	$1383	$235
Failure to stop at a red light	$1398	$233
Improper passing	$1398	$238
Speeding 16 - 20 MPH over limit	$1554	$259
Open container	$1831	$312
Driving with a suspended license	$2051	$342
Racing	$2645	$449
Reckless driving	$2874	$479
Leaving scene of an accident/hit and run	$2947	$501
DUI	$3040	$507

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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 Mackinac Island 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 Mackinac Island.

The cheapest car insurance premiums in Mackinac Island are offered by Chubb at $248 for a six-month policy. However, it can be as expensive as $7676 with companies like Allstate.

Mackinac Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$248	$41
Auto-Owners Insurance Co	$658	$112
Grange	$663	$111
Progressive	$706	$119
Pioneer State Mutual Ins Co	$799	$133
USAA	$862	$145
Travelers	$979	$163
Auto-Owners	$1481	$249
Westfield	$1612	$271
AAA	$1665	$280
Bristol West	$2280	$380
Farmers	$2338	$394
Farm Bureau	$2767	$461
State Farm	$3483	$586
Allstate	$7676	$1279

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 Mackinac Island are offered by Westfield at $214. However, it can be as expensive as $9688 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mackinac Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$214	$36
Chubb	$248	$41
Encompass	$263	$45
Travelers	$321	$53
Auto-Owners Insurance Co	$341	$58
Farm Bureau Ins of MI	$487	$81
USAA	$507	$86
Grange	$517	$86
Auto-Owners	$711	$121
Progressive	$1042	$175
AAA	$1057	$180
Farm Bureau	$1062	$177
Allstate	$1924	$327
State Farm	$3229	$538
Farmers	$9688	$1647

Car Insurance Price Trends in Mackinac Island, Michigan

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

The average cost of full coverage in the Mackinac Island dipped by $220 in December compared to $226 of November. In other words, there has been an decrease by $6 when you compare December and November.

The average cost of liability insurance in the Mackinac Island rose to $73 in December, compared to $67 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Mackinac Island?

The car insurance in Mackinac Island is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Mackinac Island?

The cheapest car insurance in Mackinac Island is $68 per month for full coverage.

How much is car insurance in Mackinac Island for teenagers?

Car insurance for teenagers costs $200 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 Mackinac Island?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $166 per month to insure your car in Mackinac Island.

Is car insurance expensive in Mackinac Island?

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

Cheapest Car Insurance Quotes in Mackinac Island

Why you can trust Way?

How Much Is Car Insurance in Mackinac Island

Avg. Car Insurance in Mackinac Island

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Mackinac Island

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Mackinac Island Car Insurance Rates by Company

Cheap Car Insurance Companies in Mackinac Island, MI

Way's key takeaways about car insurance in Mackinac Island

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mackinac Island

Cheapest Liability Coverage in Mackinac Island, MI

Cheapest Full Coverage Car Insurance in Mackinac Island

Cheapest Full Coverage Car Insurance Quotes in Mackinac Island, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mackinac Island by Rating Factor

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

Car Insurance Premiums by Age in Mackinac Island

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mackinac Island,MI

If you are in your twenties Chubb is the best choice for car insurance in Mackinac Island.

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 Mackinac Island

Cheapest Car Insurance Companies after an At-Fault Accident in Mackinac Island

Mackinac Island Car Insurance Rates by Violation

Mackinac Island auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mackinac Island after a DUI

Mackinac Island car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mackinac Island after Speeding ticket

Car Insurance Price Trends in Mackinac Island, Michigan

Average Car Insurance Cost in Mackinac Island by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mackinac Island, MI

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

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Data Sources