Cheapest Car Insurance Quotes in Port Huron

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Port Huron Car Insurance

^$ 33

/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 Port Huron

The car insurance rate in Port Huron is $1143 for a six-month policy, which is $60 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $468, making it a popular choice for budget-conscious drivers. Rates in Port Huron 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 Port Huron

$1143

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Port Huron

1st place: Travelers

At $468 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $587 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $649 for six months, making it the third cheapest auto insurance company in Port Huron.

Port Huron Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Port Huron, MI is Travelers, offering policies at just $468 for a six-month term. This is followed by USAA, which has an average six-month premium of $587.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $773 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Port Huron drivers find the best deals.

Cheap Car Insurance Companies in Port Huron, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$468	$79
USAA	$587	$99
Encompass	$649	$108
Auto-Owners Insurance Co	$666	$113
Chubb	$700	$117
Auto-Owners	$785	$132
AAA	$801	$135
Farm Bureau Ins of MI	$824	$140
Pioneer State Mutual Ins Co	$897	$149
Progressive	$897	$151
Westfield	$1117	$188
Farm Bureau	$1259	$214
State Farm	$1603	$270
Allstate	$1710	$291
Bristol West	$2229	$371
Farmers	$3465	$589
Hastings Mutual	$773	$129

Key Takeaways

Way's key takeaways about car insurance in Port Huron

The auto insurance costs in Port Huron fall around $468 for six months.
The cheapest auto insurance company in Port Huron is Travelers.
Teen drivers pay the highest rate in Port Huron at $918 per month.

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Cheapest Minimum Liability Car Insurance in Port Huron

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 Port Huron are given below.

Travelers provides the cheapest minimum car insurance coverage in Port Huron. Their Average 6 Month Premium is $198. Hastings Mutual is the most expensive at $338 for the same period.

Cheapest Liability Coverage in Port Huron, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$198	$33
Westfield	$209	$35
USAA	$265	$45
Encompass	$271	$46
Chubb	$288	$48
Auto-Owners Insurance Co	$311	$53
Auto-Owners	$367	$62
Farm Bureau Ins of MI	$401	$68
Progressive	$412	$69
AAA	$491	$84
Farm Bureau	$620	$104
Allstate	$728	$124
Bristol West	$931	$155
State Farm	$998	$168
Farmers	$1800	$300
Hastings Mutual	$338	$56

Cheapest Full Coverage Car Insurance in Port Huron

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 Port Huron is Travelers at $79 per month and $468 for six months.

Cheapest Full Coverage Car Insurance Quotes in Port Huron, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$468	$79
USAA	$587	$99
Encompass	$649	$108
Auto-Owners Insurance Co	$666	$113
Chubb	$700	$117
Auto-Owners	$785	$132
AAA	$801	$135
Farm Bureau Ins of MI	$824	$140
Pioneer State Mutual Ins Co	$897	$149
Progressive	$897	$151
Westfield	$1117	$188
Farm Bureau	$1259	$214
State Farm	$1603	$270
Allstate	$1710	$291
Bristol West	$2229	$371
Farmers	$3465	$589
Hastings Mutual	$773	$129

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Average Car Insurance in Port Huron 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 Port Huron, MI increasing?

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

Car Insurance Premiums by Age in Port Huron

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	$265
30s	USAA	$201
40s	USAA	$193
50s	USAA	$185
60s	Chubb	$169
70s	Chubb	$185

Cheapest Car Insurance Rates for Teen Drivers in Port Huron,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Port Huron at $39 per month. At $5507 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$232	$39
Westfield	$248	$42
Encompass	$271	$46
Chubb	$322	$55
Auto-Owners Insurance Co	$338	$56
Grange	$440	$75
USAA	$892	$150
Auto-Owners	$1067	$180
AAA	$1422	$239
Farm Bureau	$2048	$349
Progressive	$2195	$370
Allstate	$3702	$630
State Farm	$3798	$633
Farmers	$15891	$2702
Bristol West	$5507	$918

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 Port Huron.

As young drivers face the highest rates in Port Huron, Chubb offers the cheapest auto insurance rates at $265 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 Port Huron, Travelers is the cheapest car insurance provider. At $378 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 Port Huron is Farm Bureau Ins of MI, offering rates of around $1196 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$378	$65
Encompass	$390	$65
Progressive	$547	$93
Westfield	$576	$96
Auto-Owners Insurance Co	$610	$104
Pioneer State Mutual Ins Co	$745	$124
Grange	$942	$161
Farm Bureau Ins of MI	$1196	$200

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Save up to $971/yr on car insurance rates in Port Huron.

Car Insurance Rates with An Accident in Port Huron

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

Cheapest Car Insurance Companies after an At-Fault Accident in Port Huron

The cheapest car insurance companies after an at-fault accident in Port Huron include Chubb and Westfield, offering $288 and $305, respectively. Pioneer State is an expensive provider with an average six-month premium of $451.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$288	$49
Westfield	$305	$50
Auto-Owners Insurance Co	$355	$61
Encompass	$401	$67
Farm Bureau Ins of MI	$474	$81
Pioneer State Mutual Ins Co	$524	$87
Travelers	$559	$94
USAA	$700	$118
Progressive	$773	$130
Auto-Owners	$864	$145
AAA	$1106	$186
Farm Bureau	$1541	$257
State Farm	$1755	$298
Allstate	$2726	$454
Farmers	$4870	$828
Pioneer State	$451	$75

Port Huron Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Port Huron MI. For example, the car insurance in Port Huron after a DUI increases to $2280 for a six month policy. While the rate increases by $1242 for a six-month policy in the case of a speeding ticket.

Port Huron auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1242	$207
Failure to wear a seat belt	$1473	$251
Cell phone violation	$1563	$260
Texting while driving	$1563	$266
Illegal turn	$1568	$261
Wrong way/wrong lane	$1568	$267
Speeding in school zone	$1591	$265
Driving with expired registration	$1603	$273
Failure to stop at a red light	$1620	$270
Improper passing	$1620	$276
Speeding 16 - 20 MPH over limit	$1800	$300
Open container	$2121	$361
Driving with a suspended license	$2376	$396
Racing	$3064	$521
Reckless driving	$3330	$555
Leaving scene of an accident/hit and run	$3414	$580
DUI	$3522	$587

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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 Port Huron 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 Port Huron.

The cheapest car insurance premiums in Port Huron are offered by Chubb at $288 for a six-month policy. However, it can be as expensive as $8893 with companies like Allstate.

Port Huron car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$288	$48
Auto-Owners Insurance Co	$762	$129
Grange	$768	$128
Progressive	$818	$138
Pioneer State Mutual Ins Co	$925	$154
USAA	$998	$168
Travelers	$1134	$189
Auto-Owners	$1716	$289
Westfield	$1868	$314
AAA	$1929	$325
Bristol West	$2641	$440
Farmers	$2708	$456
Farm Bureau	$3205	$534
State Farm	$4035	$679
Allstate	$8893	$1482

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 Port Huron are offered by Westfield at $248. However, it can be as expensive as $11224 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Port Huron after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$248	$42
Chubb	$288	$48
Encompass	$305	$52
Travelers	$372	$62
Auto-Owners Insurance Co	$395	$67
Farm Bureau Ins of MI	$564	$94
USAA	$587	$100
Grange	$599	$100
Auto-Owners	$824	$140
Progressive	$1207	$203
AAA	$1225	$208
Farm Bureau	$1230	$205
Allstate	$2229	$379
State Farm	$3741	$623
Farmers	$11224	$1909

Car Insurance Price Trends in Port Huron, Michigan

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

The average cost of full coverage in the Port Huron dipped by $255 in December compared to $261 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 Port Huron rose to $85 in December, compared to $78 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 Port Huron?

The car insurance in Port Huron is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Port Huron?

The cheapest car insurance in Port Huron is $79 per month for full coverage.

How much is car insurance in Port Huron for teenagers?

Car insurance for teenagers costs $232 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 Port Huron?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $192 per month to insure your car in Port Huron.

Is car insurance expensive in Port Huron?

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

Cheapest Car Insurance Quotes in Port Huron

Why you can trust Way?

How Much Is Car Insurance in Port Huron

Avg. Car Insurance in Port Huron

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Port Huron

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Port Huron Car Insurance Rates by Company

Cheap Car Insurance Companies in Port Huron, MI

Way's key takeaways about car insurance in Port Huron

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Port Huron

Cheapest Liability Coverage in Port Huron, MI

Cheapest Full Coverage Car Insurance in Port Huron

Cheapest Full Coverage Car Insurance Quotes in Port Huron, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Port Huron by Rating Factor

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

Car Insurance Premiums by Age in Port Huron

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Port Huron,MI

If you are in your twenties Chubb is the best choice for car insurance in Port Huron.

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 Port Huron

Cheapest Car Insurance Companies after an At-Fault Accident in Port Huron

Port Huron Car Insurance Rates by Violation

Port Huron auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Port Huron after a DUI

Port Huron car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Port Huron after Speeding ticket

Car Insurance Price Trends in Port Huron, Michigan

Average Car Insurance Cost in Port Huron by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Port Huron, MI

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

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