Located along the banks of the St. Clair River, Port Huron, MI is a thriving city. Though it is a relatively small town, it is located near the border crossing into Canada, and it can, therefore, experience rather heavy traffic, particularly along Interstate 94, Pine Grove Avenue and the Thomas Edison Parkway. Of course, an accident can happen anywhere — even on a quiet residential street — so it is important that you protect your finances by carrying a suitable Port Huron auto insurance policy.
Auto insurance is required of vehicle owners in Port Huron, but overpaying for it is not. Independent Insurance Agents in our network can help you by gathering a selection of affordable Port Huron car insurance policies that have been customized to fit your coverage and budgetary needs. Find an agent near you to learn more, and discover how much money you can save by comparison shopping.
- National average cost per year: $1,311
- Michigan average cost per year: $2,476
- #1 most expensive auto premium in U.S.
Unfortunately for those looking to buy a Port Huron car insurance policy, the average cost of car insurance in Michigan is nearly twice the national average rate. This makes comparison shopping even more important. When you contact an insurance company to get a quote, your price for coverage is calculated according to a number of different variables, including but not limited to such things as the following:
- The ZIP code where you live
- The place where you park your car (i.e., garage, street, driveway, carport)
- The make, model, color, year and safety features of your car as indicated by the vehicle identification number (VIN)
- Your age, sex, marital status, driving record, and claims history
- The age, sex, marital status, driving record and claims history of all other licensed drivers in your household who are not specifically excluded from your coverage
- The amount of coverage you wish to purchase
- The amount of your deductible
- Your qualification for any policy discounts
Because so many factors are taken into account when determining your Port Huron auto insurance costs, each insurance company is likely to quote you a different price. This is how comparison shopping can help you find a policy that offers you the best value.
Michigan Car Insurance Requirements
- Bodily injury liability: required
- Property damage liability: required
- Personal injury protection (PIP): required
- Uninsured motorist coverage: not required
- Minimum liability limits: 20/40/10: Coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 per individual, and $10,000 coverage for property damage
Failure of a driver to carry insurance that meets these requirements while driving can result in fines between $200 and $500, a 30-day suspension of the driver’s license, and, in some cases, even incarceration. You also risk being sued for damages if you are responsible for an accident while driving an uninsured vehicle. Simply put, driving without insurance coverage is not worth the risk.
Michigan’s mandated minimums are meant to protect your finances in the event of a routine accident such as a fender bender. However, if you are responsible for a major collision that results in significant injuries, you could easily be responsible for costs that greatly exceed these minimum coverage amounts. In that case, you have to make up the difference out of pocket. If you wish to protect your assets, it is, therefore, a good idea to purchase coverage with much higher liability limits. Your agent can help you determine how much you can reasonably afford by providing you with rates for different levels of coverage.
Number of Uninsured Motorists in Michigan
- Number of uninsured U.S. drivers: 12.6%
- Number of uninsured Michigan drivers: 21.0%
Although the penalties for driving without insurance in Michigan are substantial, this state has one of the highest rates of uninsured drivers in the county. With approximately one in five motorists lacking insurance coverage, you are at an increased risk while driving. If you are in an accident that is caused by an uninsured driver, you may be injured or your property may be damaged. In this case, the responsible driver is required to cover your expenses out of pocket. Unfortunately, even with a court order, it may be difficult, time-consuming and, at times, impossible to collect these funds.
However, if you have included the optional uninsured motorist coverage with your Port Huron car insurance, you can collect compensation through your insurance company right away. Your insurer then goes after the responsible driver on its own behalf. Uninsured motorist insurance also covers you against damage caused by hit-and-run drivers.
Number of Auto Thefts in Michigan
- National number of thefts per 1,000 vehicles: 2.94
- Michigan number of thefts per 1,000 vehicles: 3.33
The rate of car theft in Michigan is higher than the national average, but it is rather low in Port Huron. In recent years, there were only 39 auto thefts reported in this city. That equates to about 1.34 thefts per 1,000 vehicles — less than half the national rate. This can have a positive influence on your car insurance rates. By supplementing your Port Huron car insurance policy with comprehensive, or “other than collision,” insurance, you receive compensation in the event that your car is stolen. More importantly, this insurance provides coverage if your car is damaged by a number of other nondriving hazards, such as falling objects, floods, noncollision fires, and vandalism.
Find a Great Port Huron Car Insurance Policy
Nobody wants to overpay for auto coverage. However, if you purchased your Port Huron car insurance policy without first taking the time to compare quotes from a few competing providers, you may be doing just that. That is why savvy car owners in Port Huron turn to independent agents in our network for help when they are shopping for affordable policies.
Our Agents make comparison shopping easy by doing the rate-inquiry legwork for you. Because they can work with a variety of reputable insurance companies, they are able to quickly provide you with a selection of customized Port Huron auto insurance quotes that you can review and compare together.
Find an agent with an office near you to learn more about your coverage options.