Cheapest Car Insurance Quotes in Port Sanilac

Finding the cheapest car insurance quotes in Port Sanilac 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.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Port Sanilac 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 Port Sanilac

The car insurance rate in Port Sanilac is $1403 for a six-month policy, which is $79 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $523, making it a popular choice for budget-conscious drivers. Rates in Port Sanilac 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 Sanilac

$1403

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Port Sanilac

1st place: Travelers

At $523 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $668 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $724 for six months, making it the third cheapest auto insurance company in Port Sanilac.

Port Sanilac Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Port Sanilac, MI is Travelers, offering policies at just $523 for a six-month term. This is followed by USAA, which has an average six-month premium of $668.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $863 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Port Sanilac drivers find the best deals.

Cheap Car Insurance Companies in Port Sanilac, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$523	$88
USAA	$668	$112
Encompass	$724	$123
Auto-Owners Insurance Co	$743	$124
Chubb	$781	$133
Farm Bureau Ins of MI	$919	$154
Auto-Owners	$964	$162
AAA	$970	$163
Pioneer State Mutual Ins Co	$1001	$171
Progressive	$1026	$173
Westfield	$1247	$210
Farm Bureau	$1782	$297
Pioneer State Mutual	$1940	$330
State Farm	$2071	$349
Frankenmuth	$2204	$375
Bristol West	$2487	$414
Allstate	$1908	$324
Farmers	$3866	$657
Hastings Mutual	$863	$144

Key Takeaways

Way's key takeaways about car insurance in Port Sanilac

The auto insurance costs in Port Sanilac fall around $523 for six months.
The cheapest auto insurance company in Port Sanilac is Travelers.
Teen drivers pay the highest rate in Port Sanilac at $1024 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 Port Sanilac

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 Sanilac are given below.

Travelers provides the cheapest minimum car insurance coverage in Port Sanilac. Their Average 6 Month Premium is $220. Farmers is the most expensive at $2009 for the same period.

Cheapest Liability Coverage in Port Sanilac, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$220	$37
Westfield	$233	$39
USAA	$277	$47
Encompass	$302	$51
Chubb	$321	$55
Auto-Owners Insurance Co	$347	$57
Auto-Owners	$384	$65
Progressive	$435	$73
AAA	$441	$75
Farm Bureau Ins of MI	$447	$74
Farm Bureau	$561	$95
Pioneer State Mutual	$567	$94
Frankenmuth	$668	$113
State Farm	$1032	$174
Bristol West	$1039	$177
Allstate	$812	$138
Farmers	$2009	$335

Cheapest Full Coverage Car Insurance in Port Sanilac

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 Sanilac is Travelers at $88 per month and $523 for six months.

Cheapest Full Coverage Car Insurance Quotes in Port Sanilac, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$523	$88
USAA	$668	$112
Encompass	$724	$123
Auto-Owners Insurance Co	$743	$124
Chubb	$781	$133
Farm Bureau Ins of MI	$919	$154
Auto-Owners	$964	$162
AAA	$970	$163
Pioneer State Mutual Ins Co	$1001	$171
Progressive	$1026	$173
Westfield	$1247	$210
Farm Bureau	$1782	$297
Pioneer State Mutual	$1940	$330
State Farm	$2071	$349
Frankenmuth	$2204	$375
Bristol West	$2487	$414
Allstate	$1908	$324
Farmers	$3866	$657
Hastings Mutual	$863	$144

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Port Sanilac Instantly!

Average Car Insurance in Port Sanilac 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 Sanilac, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Port Sanilac, 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 Sanilac'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 Sanilac

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

undefined

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

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Port Sanilac at $43 per month. At $6145 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$259	$43
Westfield	$277	$47
Encompass	$302	$51
Chubb	$359	$61
Auto-Owners Insurance Co	$377	$63
Grange	$491	$84
USAA	$1064	$179
Auto-Owners	$1335	$225
AAA	$1732	$292
Progressive	$2443	$411
Farm Bureau	$2909	$484
Pioneer State Mutual	$3412	$580
Frankenmuth	$4067	$678
State Farm	$5718	$972
Allstate	$4131	$703
Farmers	$17731	$3015
Bristol West	$6145	$1024

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 Port Sanilac, Travelers is the cheapest car insurance provider. At $422 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 Sanilac is Farm Bureau Ins of MI, offering rates of around $1335 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$422	$70
Encompass	$435	$74
Progressive	$611	$102
Westfield	$642	$109
Auto-Owners Insurance Co	$681	$113
Pioneer State Mutual Ins Co	$831	$141
Grange	$1052	$175
Farm Bureau Ins of MI	$1335	$227

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Port Sanilac

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

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

The cheapest car insurance companies after an at-fault accident in Port Sanilac include Chubb and Westfield, offering $321 and $340, respectively. Pioneer State is an expensive provider with an average six-month premium of $504.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$321	$55
Westfield	$340	$56
Auto-Owners Insurance Co	$396	$68
Encompass	$447	$74
Farm Bureau Ins of MI	$529	$90
Pioneer State Mutual Ins Co	$585	$98
Travelers	$623	$105
USAA	$812	$137
Progressive	$964	$162
Auto-Owners	$1120	$189
AAA	$1335	$225
Farm Bureau	$2178	$364
Pioneer State Mutual	$2324	$395
State Farm	$2626	$438
Frankenmuth	$2833	$482
Allstate	$3041	$507
Farmers	$5434	$924
Pioneer State	$504	$84

Port Sanilac Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Port Sanilac MI. For example, the car insurance in Port Sanilac after a DUI increases to $2544 for a six month policy. While the rate increases by $1385 for a six-month policy in the case of a speeding ticket.

Port Sanilac auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1385	$231
Failure to wear a seat belt	$1643	$280
Cell phone violation	$1744	$290
Texting while driving	$1744	$297
Illegal turn	$1750	$292
Wrong way/wrong lane	$1750	$298
Speeding in school zone	$1776	$296
Driving with expired registration	$1788	$304
Failure to stop at a red light	$1807	$301
Improper passing	$1807	$307
Speeding 16 - 20 MPH over limit	$2009	$335
Open container	$2367	$403
Driving with a suspended license	$2651	$442
Racing	$3419	$581
Reckless driving	$3715	$619
Leaving scene of an accident/hit and run	$3810	$648
DUI	$3929	$655

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Sanilac 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 Sanilac.

The cheapest car insurance premiums in Port Sanilac are offered by Chubb at $321 for a six-month policy. However, it can be as expensive as $9923 with companies like Allstate.

Port Sanilac car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$321	$53
Auto-Owners Insurance Co	$850	$144
Grange	$856	$143
Farmers	$869	$147
Progressive	$957	$161
Pioneer State Mutual Ins Co	$1032	$176
USAA	$1146	$193
Travelers	$1266	$215
Auto-Owners	$2047	$345
Westfield	$2084	$351
AAA	$2298	$387
Bristol West	$2947	$501
Pioneer State Mutual	$3709	$618
Farm Bureau	$4363	$742
State Farm	$5396	$908
Frankenmuth	$9766	$1661
Allstate	$9923	$1654

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 Sanilac are offered by Westfield at $277. However, it can be as expensive as $12524 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Port Sanilac after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$277	$47
Chubb	$321	$53
Encompass	$340	$58
Travelers	$416	$69
Auto-Owners Insurance Co	$441	$75
Farm Bureau Ins of MI	$630	$105
Grange	$668	$113
Auto-Owners	$837	$140
USAA	$856	$145
AAA	$1083	$180
Farm Bureau	$1120	$191
Pioneer State Mutual	$1234	$206
Progressive	$1259	$212
Frankenmuth	$2015	$336
State Farm	$3664	$623
Allstate	$2487	$423
Farmers	$12524	$2130

Car Insurance Price Trends in Port Sanilac, Michigan

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

The average cost of full coverage in the Port Sanilac dipped by $223 in January compared to $284 of December. In other words, there has been an decrease by $61 when you compare January and December.

The average cost of liability insurance in the Port Sanilac dipped to $78 in January, compared to $94 in December. This represents an decrease of $16 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Port Sanilac?

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

What is the cheapest car insurance in Port Sanilac?

The cheapest car insurance in Port Sanilac is $88 per month for full coverage.

How much is car insurance in Port Sanilac for teenagers?

Car insurance for teenagers costs $259 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 Sanilac?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $236 per month to insure your car in Port Sanilac.

Is car insurance expensive in Port Sanilac?

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

Cheapest Car Insurance Quotes in Port Sanilac

Why you can trust Way?

How Much Is Car Insurance in Port Sanilac

Avg. Car Insurance in Port Sanilac

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Port Sanilac

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Port Sanilac Car Insurance Rates by Company

Cheap Car Insurance Companies in Port Sanilac, MI

Way's key takeaways about car insurance in Port Sanilac

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Port Sanilac

Cheapest Liability Coverage in Port Sanilac, MI

Cheapest Full Coverage Car Insurance in Port Sanilac

Cheapest Full Coverage Car Insurance Quotes in Port Sanilac, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Port Sanilac by Rating Factor

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

Car Insurance Premiums by Age in Port Sanilac

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Sanilac

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

Port Sanilac Car Insurance Rates by Violation

Port Sanilac auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Port Sanilac after a DUI

Port Sanilac car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Port Sanilac after Speeding ticket

Car Insurance Price Trends in Port Sanilac, Michigan

Average Car Insurance Cost in Port Sanilac by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Port Sanilac, MI

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

Featured Blogs

Data Sources