Cheap Auto Insurance in Pioneer, Michigan

Cheap Auto Insurance in Pioneer, Michigan

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Pioneer, Michigan, drivers that are looking for affordable auto insurance should consider MetLife, the insurer we found to have the cheapest rates in the state. MetLife's average quote for Michigan drivers of $1,159 per year was 62% lower cost than the statewide average. Since auto insurance rates will vary based based on your neighborhood, driving history and other factors, we recommend that you compare quotes from at least three to four local insurers to ensure you get the best rates for your profile. To get started finding car insurance quotes from companies near you in Pioneer, you can enter your ZIP code above.

Pioneer, Michigan, Car Insurance Costs

Pioneer car owners can expect to pay approximately $3,059 per year for auto insurance, the average cost for drivers in Michigan according to our analysis. We found that the cost of coverage varied significantly between insurers in the state, with the cheapest company, MetLife, offering an average quote that was $236 lower than the second least expensive insurer, Hastings Mutual. And both these companies were significantly more affordable than Allstate, the most expensive insurer in the state, which offered an average quote of $5,992 for car insurance. Since rates vary so much in Michigan, our best recommendation for Pioneer drivers looking for the lowest rates is to compare quotes from multiple companies.

Comparing the cost of auto insurance in Pioneer, Michigan

Pioneer, Michigan, Auto Insurance Agents

If you're unsure of the auto insurance coverage you need, or want personal assistance in managing your policies, you may want to use a local insurance agent to purchase a policy. To help you find a local agent to assist with your insurance needs, we've collected a directory of agents near you in Pioneer, Michigan.

Dewey Insurance Agency Inc316 N Cedar St, Kalkaska, MI 49646231-258-2301
Cadillac Insurance Center Inc932 N Mitchell St, Cadillac, MI 49601231-775-1293
Williams Douglas & Associates Inc1900 W Houghton Lake Dr, Houghton Lake, MI 48629989-366-8500
Roscommon Insurance Agency400 North Street, Roscommon, MI 48653989-275-5555
Peterson Mcgregor & Associates Inc1368 Business Park Dr, Traverse City, MI 49686231-922-7220
Gaylor Insurance Agency308 Lake St, Roscommon, MIi 48653989-275-5112
Hub International Midwest Limited415 Munson Ave, Traverse City, MI 49685812-428-2830
Mcnish Agency Inc735 S Garfield Ave Ste 120, Traverse City, MI 49686231-947-9050
C & M Ins Services Agency Llc206 Munson Ave, Traverse City, MI 49686231-946-8300
Shumsky West & Associates Inc201 E 17th St, Traverse City, MI 49685231-946-4212
Hub International Midwest Limited600 E Front St Suite 205, Traverse City, MI 49686231-995-4300
Lighthouse Insurance Group Inc400 W Front St Ste 206, Traverse City, MI 49684231-922-2941
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Car Insurance Requirements in Pioneer, Michigan

Pioneer vehicle owners are required to maintain liability coverage, uninsured motorist coverage and personal injury protection—the same mandatory car insurance needed by drivers in the rest of the Wolverine State. In Michigan, the minimum car requirements are:

  • Bodily Injury Liability Coverage: $20,000 per person/$40,000 per accident
  • Property Damage Liability Coverage: $10,000 per accident
  • Uninsured/Underinsured Motorists Bodily Injury (UMBI/UIMBI): $25,000 per person/$50,000 per accident
  • Personal Injury Protection (PIP): Until full recovery (no longer needing rehab)
  • Property Protection Insurance (PPI): $1M per accident

Keep in mind that these are just the state-required minimums. We recommend that you consider higher coverage limits for your auto insurance policy, as well as nonmandated coverages which could help protect you financially in the event of a collision. For instance, comprehensive and collision insurance are not required in Michigan but cover your vehicle if it is stolen or damaged due to a wider set of circumstances.

Drivers are also required to have proof of auto insurance either on your person or in your car at all times. Failure to provide this proof to a police officer may result in fines and suspension of your license.

Pioneer, Michigan, Motor Vehicle Theft and Fatality Statistics

In Pioneer, there have been 23 fatal car crashes resulting in 24 total deaths. Considering the low population of the city, this is a relatively high rate of fatal accidents. Auto insurance companies take the frequency of auto accidents into account when determining local rates for drivers, even if you haven't been involved in a collision, because it means you may be more likely to be struck by another vehicle. If you live in a city with a high frequency of serious auto accidents, you can typically expect to pay more for auto insurance than areas with safer roads.

Local Auto Thefts (2009)Data Not Available
Local Thefts Per 1000 PeopleData Not Available
State Thefts per 1000 People2.98
Auto Accidents23
Auto Fatalities24
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Make and Model
Chevrolet Malibu/Malibu Maxx23
Ford F-Series pickup23
Chrysler/Daimler Chrysler Town and Country12
Other Make * Other (vehicle)22
Ford Ranger11
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CO RD 57111
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Day Of Week
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Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.