Cheapest Car Insurance Quotes in Mesick

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406,175 Policies Sold

Mesick Car Insurance

^$ 37

/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 Mesick

The car insurance rate in Mesick is $1417 for a six-month policy, which is $93 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $528, making it a popular choice for budget-conscious drivers. Rates in Mesick 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 Mesick

$1417

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Mesick

1st place: Travelers

At $528 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $674 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $731 for six months, making it the third cheapest auto insurance company in Mesick.

Mesick Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mesick, MI is Travelers, offering policies at just $528 for a six-month term. This is followed by USAA, which has an average six-month premium of $674.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $871 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mesick drivers find the best deals.

Cheap Car Insurance Companies in Mesick, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$528	$89
USAA	$674	$113
Encompass	$731	$124
Auto-Owners Insurance Co	$750	$125
Chubb	$789	$134
Farm Bureau Ins of MI	$928	$155
Auto-Owners	$973	$164
AAA	$979	$165
Pioneer State Mutual Ins Co	$1010	$172
Progressive	$1036	$174
Westfield	$1258	$212
Farm Bureau	$1799	$300
Pioneer State Mutual	$1958	$333
State Farm	$2091	$352
Frankenmuth	$2225	$379
Bristol West	$2510	$418
Allstate	$1926	$327
Farmers	$3902	$663
Hastings Mutual	$871	$146

Key Takeaways

Way's key takeaways about car insurance in Mesick

The auto insurance costs in Mesick fall around $528 for six months.
The cheapest auto insurance company in Mesick is Travelers.
Teen drivers pay the highest rate in Mesick at $1034 per month.

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Cheapest Minimum Liability Car Insurance in Mesick

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 Mesick are given below.

Travelers provides the cheapest minimum car insurance coverage in Mesick. Their Average 6 Month Premium is $223. Farmers is the most expensive at $2028 for the same period.

Cheapest Liability Coverage in Mesick, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$223	$37
Westfield	$235	$40
USAA	$279	$47
Encompass	$305	$51
Chubb	$324	$56
Auto-Owners Insurance Co	$350	$58
Auto-Owners	$387	$65
Progressive	$439	$74
AAA	$445	$76
Farm Bureau Ins of MI	$452	$75
Farm Bureau	$566	$96
Pioneer State Mutual	$572	$95
Frankenmuth	$674	$114
State Farm	$1042	$175
Bristol West	$1049	$179
Allstate	$820	$139
Farmers	$2028	$338

Cheapest Full Coverage Car Insurance in Mesick

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 Mesick is Travelers at $89 per month and $528 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mesick, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$528	$89
USAA	$674	$113
Encompass	$731	$124
Auto-Owners Insurance Co	$750	$125
Chubb	$789	$134
Farm Bureau Ins of MI	$928	$155
Auto-Owners	$973	$164
AAA	$979	$165
Pioneer State Mutual Ins Co	$1010	$172
Progressive	$1036	$174
Westfield	$1258	$212
Farm Bureau	$1799	$300
Pioneer State Mutual	$1958	$333
State Farm	$2091	$352
Frankenmuth	$2225	$379
Bristol West	$2510	$418
Allstate	$1926	$327
Farmers	$3902	$663
Hastings Mutual	$871	$146

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Average Car Insurance in Mesick 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 Mesick, MI increasing?

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

Car Insurance Premiums by Age in Mesick

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

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Cheapest Car Insurance Rates for Teen Drivers in Mesick,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Mesick at $44 per month. At $6203 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$261	$44
Westfield	$279	$47
Encompass	$305	$51
Chubb	$363	$62
Auto-Owners Insurance Co	$381	$63
Grange	$495	$85
USAA	$1074	$181
Auto-Owners	$1347	$227
AAA	$1748	$294
Progressive	$2466	$415
Farm Bureau	$2936	$489
Pioneer State Mutual	$3444	$585
Frankenmuth	$4106	$685
State Farm	$5772	$981
Allstate	$4170	$709
Farmers	$17898	$3043
Bristol West	$6203	$1034

Teen Car Insurance Rates in MI by Age

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 Mesick, Travelers is the cheapest car insurance provider. At $426 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 Mesick is Farm Bureau Ins of MI, offering rates of around $1347 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$426	$71
Encompass	$439	$75
Progressive	$616	$103
Westfield	$648	$110
Auto-Owners Insurance Co	$687	$114
Pioneer State Mutual Ins Co	$839	$142
Grange	$1061	$177
Farm Bureau Ins of MI	$1347	$229

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Car Insurance Rates with An Accident in Mesick

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mesick

The cheapest car insurance companies after an at-fault accident in Mesick include Chubb and Westfield, offering $324 and $343, respectively. Pioneer State is an expensive provider with an average six-month premium of $508.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$324	$56
Westfield	$343	$57
Auto-Owners Insurance Co	$400	$68
Encompass	$452	$75
Farm Bureau Ins of MI	$534	$91
Pioneer State Mutual Ins Co	$591	$98
Travelers	$629	$106
USAA	$820	$138
Progressive	$973	$164
Auto-Owners	$1131	$190
AAA	$1347	$227
Farm Bureau	$2199	$367
Pioneer State Mutual	$2345	$399
State Farm	$2650	$442
Frankenmuth	$2860	$487
Allstate	$3070	$511
Farmers	$5485	$933
Pioneer State	$508	$85

Mesick Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mesick MI. For example, the car insurance in Mesick after a DUI increases to $2568 for a six month policy. While the rate increases by $1398 for a six-month policy in the case of a speeding ticket.

Mesick auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1398	$233
Failure to wear a seat belt	$1659	$282
Cell phone violation	$1760	$293
Texting while driving	$1760	$300
Illegal turn	$1767	$294
Wrong way/wrong lane	$1767	$301
Speeding in school zone	$1792	$299
Driving with expired registration	$1805	$307
Failure to stop at a red light	$1824	$304
Improper passing	$1824	$310
Speeding 16 - 20 MPH over limit	$2028	$338
Open container	$2389	$407
Driving with a suspended license	$2676	$446
Racing	$3451	$586
Reckless driving	$3750	$625
Leaving scene of an accident/hit and run	$3846	$654
DUI	$3966	$661

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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 Mesick 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 Mesick.

The cheapest car insurance premiums in Mesick are offered by Chubb at $324 for a six-month policy. However, it can be as expensive as $10016 with companies like Allstate.

Mesick car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$324	$54
Auto-Owners Insurance Co	$858	$146
Grange	$865	$144
Farmers	$877	$149
Progressive	$966	$163
Pioneer State Mutual Ins Co	$1042	$178
USAA	$1157	$195
Travelers	$1278	$217
Auto-Owners	$2066	$348
Westfield	$2104	$354
AAA	$2320	$391
Bristol West	$2975	$506
Pioneer State Mutual	$3744	$624
Farm Bureau	$4404	$749
State Farm	$5447	$917
Frankenmuth	$9858	$1677
Allstate	$10016	$1669

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 Mesick are offered by Westfield at $279. However, it can be as expensive as $12642 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mesick after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$279	$47
Chubb	$324	$54
Encompass	$343	$59
Travelers	$419	$70
Auto-Owners Insurance Co	$445	$76
Farm Bureau Ins of MI	$636	$106
Grange	$674	$114
Auto-Owners	$845	$141
USAA	$865	$147
AAA	$1094	$182
Farm Bureau	$1131	$193
Pioneer State Mutual	$1245	$208
Progressive	$1271	$214
Frankenmuth	$2034	$339
State Farm	$3699	$629
Allstate	$2510	$427
Farmers	$12642	$2150

Car Insurance Price Trends in Mesick, Michigan

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

The average cost of full coverage in the Mesick dipped by $225 in January compared to $287 of December. In other words, there has been an decrease by $62 when you compare January and December.

The average cost of liability insurance in the Mesick dipped to $79 in January, compared to $95 in December. This represents an decrease of $16 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Mesick?

The car insurance in Mesick is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Mesick?

The cheapest car insurance in Mesick is $89 per month for full coverage.

How much is car insurance in Mesick for teenagers?

Car insurance for teenagers costs $261 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 Mesick?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $239 per month to insure your car in Mesick.

Is car insurance expensive in Mesick?

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

Cheapest Car Insurance Quotes in Mesick

Why you can trust Way?

How Much Is Car Insurance in Mesick

Avg. Car Insurance in Mesick

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Mesick

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Mesick Car Insurance Rates by Company

Cheap Car Insurance Companies in Mesick, MI

Way's key takeaways about car insurance in Mesick

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mesick

Cheapest Liability Coverage in Mesick, MI

Cheapest Full Coverage Car Insurance in Mesick

Cheapest Full Coverage Car Insurance Quotes in Mesick, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mesick by Rating Factor

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

Car Insurance Premiums by Age in Mesick

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mesick,MI

If you are in your twenties N/A is the best choice for car insurance in Mesick.

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 Mesick

Cheapest Car Insurance Companies after an At-Fault Accident in Mesick

Mesick Car Insurance Rates by Violation

Mesick auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mesick after a DUI

Mesick car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mesick after Speeding ticket

Car Insurance Price Trends in Mesick, Michigan

Average Car Insurance Cost in Mesick by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mesick, MI

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

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