Petoskey Car Insurance

Located in northern Michigan, the charming resort town of Petoskey has been a tourist hot spot for generations. Whether you are looking for the state’s best antique shopping or hoping to enjoy outdoor activities, like ice skating and hockey, this is the place for you. However due to the high number of tourists each year in Petoskey, MI, the roads get very busy and congested. Make sure you are protected with reliable Petoskey auto insurance. Our Independent Insurance Agents can walk you through all of your options for car insurance while helping you find the most affordable rates for your vehicle.

  • National average cost per year: $1,311
  • Michigan average cost per year: $2,476
  • #1 most expensive auto premium in U.S.

Buying Petoskey car insurance in Michigan can be frustrating due to the state’s high premiums when compared with the national average. Yet, our agents specialize in helping Petoskey drivers find budget-friendly auto insurance options that cover all the important areas like liability, personal injury, and theft. Your customized premium is based on the type of car you drive, your driving record and your driving experience.

Michigan Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 20/40/10

All drivers in Michigan are legally required to have car insurance. Minimum coverage limits are $20,000 for individual injuries, $40,000 for total injuries in an accident and $10,000 for any resulting property damage. It is important to remember that these state minimums are just a suggestion. As a driver, you always have the option to purchase additional insurance, a decision that could pay off in a big way if you are in an accident that exceeds your minimum insurance. In fact, many drivers opt to purchase additional coverage just to be safe because some accidents lead to expenses that far exceed Michigan’s mandated minimums.


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Number of Uninsured Motorists in Michigan

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Michigan drivers: 21%

One driver out of five is uninsured in Michigan. This raises your risk of having an accident with an uninsured driver in Petoskey. Independent insurance agents can help you add uninsured motorist coverage to your Petoskey auto insurance plan, giving you maximum coverage in case you get into an accident with an uninsured at-fault driver.

Number of Auto Thefts in Michigan

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Michigan: 3.33

Michigan’s high number of auto thefts is definitely cause for worry. Most residents rely on their vehicles to get them to work and school. Coming out of your home to find that your car has been stolen could cause major problems for your daily routine. Choose an auto insurance policy that includes coverage for car theft so that you have peace of mind that you’re always covered even if your car does get stolen.

Find a Great Petoskey Car Insurance Policy

Car insurance is not an area in which you can afford to cut corners. The process of finding auto insurance can be overwhelming, and you might be tempted to settle for the first policy you find. This is a mistake that could end up costing you thousands. Our Independent Insurance Agents specialize in helping Petoskey drivers find the best coverage options at the most affordable prices. Our agents will provide you with quotes on multiple policies and will help you to compare the cost and benefits and to choose a policy that will best protect you against Plymouth’s biggest roadway threats. 

Contact an agent today to get a free customized quote on Petoskey auto insurance.

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