Cheapest Car Insurance Quotes in White Pine

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White Pine Car Insurance

^$ 32

/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 White Pine

The car insurance rate in White Pine is $1192 for a six-month policy, which is $132 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $444, making it a popular choice for budget-conscious drivers. Rates in White Pine 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 White Pine

$1192

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in White Pine

1st place: Travelers

At $444 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $567 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $615 for six months, making it the third cheapest auto insurance company in White Pine.

White Pine Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in White Pine, MI is Travelers, offering policies at just $444 for a six-month term. This is followed by USAA, which has an average six-month premium of $567.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $733 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help White Pine drivers find the best deals.

Cheap Car Insurance Companies in White Pine, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$444	$75
USAA	$567	$95
Encompass	$615	$104
Auto-Owners Insurance Co	$631	$105
Chubb	$663	$113
Farm Bureau Ins of MI	$780	$131
Auto-Owners	$818	$138
AAA	$824	$139
Pioneer State Mutual Ins Co	$850	$145
Progressive	$871	$147
Westfield	$1058	$178
Farm Bureau	$1513	$252
Pioneer State Mutual	$1647	$280
State Farm	$1759	$296
Frankenmuth	$1871	$319
Bristol West	$2111	$352
Allstate	$1620	$275
Farmers	$3282	$558
Hastings Mutual	$733	$122

Key Takeaways

Way's key takeaways about car insurance in White Pine

The auto insurance costs in White Pine fall around $444 for six months.
The cheapest auto insurance company in White Pine is Travelers.
Teen drivers pay the highest rate in White Pine at $869 per month.

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Cheapest Minimum Liability Car Insurance in White Pine

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 White Pine are given below.

Travelers provides the cheapest minimum car insurance coverage in White Pine. Their Average 6 Month Premium is $187. Farmers is the most expensive at $1706 for the same period.

Cheapest Liability Coverage in White Pine, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$187	$32
Westfield	$198	$33
USAA	$235	$40
Encompass	$257	$43
Chubb	$273	$47
Auto-Owners Insurance Co	$294	$49
Auto-Owners	$326	$55
Progressive	$369	$62
AAA	$374	$64
Farm Bureau Ins of MI	$380	$63
Farm Bureau	$476	$81
Pioneer State Mutual	$482	$80
Frankenmuth	$567	$96
State Farm	$877	$148
Bristol West	$882	$150
Allstate	$689	$117
Farmers	$1706	$284

Cheapest Full Coverage Car Insurance in White Pine

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 White Pine is Travelers at $75 per month and $444 for six months.

Cheapest Full Coverage Car Insurance Quotes in White Pine, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$444	$75
USAA	$567	$95
Encompass	$615	$104
Auto-Owners Insurance Co	$631	$105
Chubb	$663	$113
Farm Bureau Ins of MI	$780	$131
Auto-Owners	$818	$138
AAA	$824	$139
Pioneer State Mutual Ins Co	$850	$145
Progressive	$871	$147
Westfield	$1058	$178
Farm Bureau	$1513	$252
Pioneer State Mutual	$1647	$280
State Farm	$1759	$296
Frankenmuth	$1871	$319
Bristol West	$2111	$352
Allstate	$1620	$275
Farmers	$3282	$558
Hastings Mutual	$733	$122

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Average Car Insurance in White Pine 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 White Pine, MI increasing?

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

Car Insurance Premiums by Age in White Pine

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 White Pine,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the White Pine at $37 per month. At $5217 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$220	$37
Westfield	$235	$40
Encompass	$257	$43
Chubb	$305	$52
Auto-Owners Insurance Co	$320	$53
Grange	$417	$71
USAA	$904	$152
Auto-Owners	$1133	$191
AAA	$1471	$248
Progressive	$2075	$349
Farm Bureau	$2470	$411
Pioneer State Mutual	$2897	$492
Frankenmuth	$3453	$576
State Farm	$4855	$825
Allstate	$3507	$597
Farmers	$15054	$2560
Bristol West	$5217	$869

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 White Pine, Travelers is the cheapest car insurance provider. At $358 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 White Pine is Farm Bureau Ins of MI, offering rates of around $1133 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$358	$59
Encompass	$369	$63
Progressive	$518	$86
Westfield	$545	$93
Auto-Owners Insurance Co	$578	$96
Pioneer State Mutual Ins Co	$706	$120
Grange	$893	$149
Farm Bureau Ins of MI	$1133	$193

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Car Insurance Rates with An Accident in White Pine

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

Cheapest Car Insurance Companies after an At-Fault Accident in White Pine

The cheapest car insurance companies after an at-fault accident in White Pine include Chubb and Westfield, offering $273 and $289, respectively. Pioneer State is an expensive provider with an average six-month premium of $428.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$273	$47
Westfield	$289	$48
Auto-Owners Insurance Co	$337	$58
Encompass	$380	$63
Farm Bureau Ins of MI	$449	$77
Pioneer State Mutual Ins Co	$497	$83
Travelers	$529	$89
USAA	$689	$116
Progressive	$818	$138
Auto-Owners	$951	$160
AAA	$1133	$191
Farm Bureau	$1850	$309
Pioneer State Mutual	$1973	$336
State Farm	$2229	$372
Frankenmuth	$2406	$410
Allstate	$2582	$430
Farmers	$4613	$785
Pioneer State	$428	$71

White Pine Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in White Pine MI. For example, the car insurance in White Pine after a DUI increases to $2160 for a six month policy. While the rate increases by $1176 for a six-month policy in the case of a speeding ticket.

White Pine auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1176	$196
Failure to wear a seat belt	$1395	$238
Cell phone violation	$1481	$247
Texting while driving	$1481	$252
Illegal turn	$1486	$248
Wrong way/wrong lane	$1486	$253
Speeding in school zone	$1508	$251
Driving with expired registration	$1518	$258
Failure to stop at a red light	$1535	$256
Improper passing	$1535	$261
Speeding 16 - 20 MPH over limit	$1706	$284
Open container	$2010	$342
Driving with a suspended license	$2251	$375
Racing	$2903	$493
Reckless driving	$3155	$526
Leaving scene of an accident/hit and run	$3235	$550
DUI	$3336	$556

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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 White Pine 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 White Pine.

The cheapest car insurance premiums in White Pine are offered by Chubb at $273 for a six-month policy. However, it can be as expensive as $8425 with companies like Allstate.

White Pine car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$273	$45
Auto-Owners Insurance Co	$722	$122
Grange	$727	$122
Farmers	$738	$125
Progressive	$813	$137
Pioneer State Mutual Ins Co	$877	$149
USAA	$973	$164
Travelers	$1075	$183
Auto-Owners	$1738	$293
Westfield	$1769	$298
AAA	$1951	$329
Bristol West	$2502	$426
Pioneer State Mutual	$3149	$525
Farm Bureau	$3704	$630
State Farm	$4582	$771
Frankenmuth	$8292	$1410
Allstate	$8425	$1404

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 White Pine are offered by Westfield at $235. However, it can be as expensive as $10634 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in White Pine after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$235	$40
Chubb	$273	$45
Encompass	$289	$50
Travelers	$353	$59
Auto-Owners Insurance Co	$374	$64
Farm Bureau Ins of MI	$535	$89
Grange	$567	$96
Auto-Owners	$711	$119
USAA	$727	$123
AAA	$920	$153
Farm Bureau	$951	$162
Pioneer State Mutual	$1048	$175
Progressive	$1069	$180
Frankenmuth	$1711	$285
State Farm	$3111	$529
Allstate	$2111	$359
Farmers	$10634	$1808

Car Insurance Price Trends in White Pine, Michigan

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

The average cost of full coverage in the White Pine dipped by $189 in January compared to $241 of December. In other words, there has been an decrease by $52 when you compare January and December.

The average cost of liability insurance in the White Pine dipped to $67 in January, compared to $80 in December. This represents an decrease of $13 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in White Pine?

The car insurance in White Pine is $32 per month, which is lower than the national average.

What is the cheapest car insurance in White Pine?

The cheapest car insurance in White Pine is $75 per month for full coverage.

How much is car insurance in White Pine for teenagers?

Car insurance for teenagers costs $220 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 White Pine?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $201 per month to insure your car in White Pine.

Is car insurance expensive in White Pine?

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

Cheapest Car Insurance Quotes in White Pine

Why you can trust Way?

How Much Is Car Insurance in White Pine

Avg. Car Insurance in White Pine

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in White Pine

1st place: Travelers

2nd place: USAA

3rd place: Encompass

White Pine Car Insurance Rates by Company

Cheap Car Insurance Companies in White Pine, MI

Way's key takeaways about car insurance in White Pine

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in White Pine

Cheapest Liability Coverage in White Pine, MI

Cheapest Full Coverage Car Insurance in White Pine

Cheapest Full Coverage Car Insurance Quotes in White Pine, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in White Pine by Rating Factor

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

Car Insurance Premiums by Age in White Pine

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in White Pine,MI

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

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 White Pine

Cheapest Car Insurance Companies after an At-Fault Accident in White Pine

White Pine Car Insurance Rates by Violation

White Pine auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in White Pine after a DUI

White Pine car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in White Pine after Speeding ticket

Car Insurance Price Trends in White Pine, Michigan

Average Car Insurance Cost in White Pine by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near White Pine, MI

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

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