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Cheap Auto Insurance Quotes in Holland, MI, for September 2022

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Jamie Vassar

By: Jamie Vassar

Edited by Danny Smith

Updated July 18, 2022

Quick Facts

  • The average cost of car insurance in Holland is $260 per month or $3,120 annually.
  • Car insurance in Holland is $129 less than the average cost of insurance in Michigan.
  • The cheapest car insurance provider in Holland on average is State Auto.

Car Insurance in Holland, MI

The average cost of full-coverage auto insurance in Michigan is around $389 per month or $4,673 annually. Holland’s average is significantly less, at $129 per month, but rates can vary greatly based on provider, so it’s always important to compare car insurance quotes before purchasing a policy.

Quotes by Top Companies

State Auto
$128
Progressive
$148
Liberty Mutual
$169
Bristol West
$256

Cheapest Car Insurance in Holland, MI

What is the cheapest car insurance in Holland?

State Auto is the cheapest car insurance provider on average in Holland, with rates starting at $128 per month. It’s still important to compare car insurance rates, as everyone’s situation is different.

There is a large range of premium costs in Holland, depending on the insurer and your personal driving details, so you should always compare quotes to find your best personal rate. Insurify can help any driver confidently decide, with over 200 insurance companies in our network that can work with you to get the right policy for your budget.

Insurance CompanyAverage Monthly Quote
State Auto$128
Progressive$148
Liberty Mutual$169
Bristol West$256
Safeco$138
USA Underwriters$308
Everest National$326
Arrowhead$431
Midvale Home & Auto$434
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Minimum Car Insurance Requirements in Michigan

Every state has its own laws about the types of insurance coverage required for its drivers. In Michigan, drivers are required to have no-fault automobile insurance[1]. Read more on Michigan’s minimum car insurance requirements.

Holland Car Insurance Rates by Driving and Accident History

Michigan is a no-fault insurance state, and the minimum required auto insurance in Michigan provides some coverage[2]. Still, it’s likely not enough to cover auto accident costs. This is reflected by at-fault accidents on a driver’s history skyrocketing the average monthly cost to $353 a month.

Driver HistoryAverage Monthly Cost
Clean Record$242
Speeding Ticket$324
At-Fault Accident$353
DUI$482
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Holland Car Insurance Rates by Credit Tier

Insurance agencies often take credit history into account to evaluate risk factors in a potential client. However, Michigan is one of the few states that bans this practice in the interest of fairness[3]. Instead, insurers must determine premiums based on factors like driving history, location, and vehicle type.

How to Get the Cheapest Car Insurance in Holland

Since accidents are one of the leading factors for having higher rates, driving safely is paramount to keeping insurance rates affordable in Holland. Also, looking for budget-friendly providers and discounts such as bundling auto insurance with home insurance or renters insurance can keep costs down.

Comparing car insurance companies is another essential step in finding cheap coverage, but don’t waste time on the phone repeatedly answering the same questions from insurance agents. Use Insurify to get access to real and personalized quotes and compare different coverage options to find the best rates for your insurance needs.

Frequently Asked Questions

  • While rates depend on many factors, the most affordable car insurance provider in Holland, on average, is State Auto, but you should always compare quotes. Find rates using Insurify with our network that includes over 200 insurance companies throughout the U.S. Insurify can work with you to get you the right auto insurance policy for your lifestyle.

  • Holland’s average auto insurance quote is $260 per month or $3,120 annually. This rate is $129 less than Michigan’s average of $389 per month or $4,673 annually. Individual rates depend on factors like the age and gender of the driver, the year of the vehicle, and driving history.

  • By far, the most prominent factor that affects potential rates is a driver’s history. On average, an at-fault accident on a driver’s record can skyrocket the monthly cost of insurance coverage to $353 a month, and a DUI can push it up to $482 a month.

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  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Jamie Vassar
Jamie Vassar
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Insurance Writer

Jamie Vassar is a personal finance writer currently based out of the Midwest. After years in the customer service and support world, she now hopes to use her degree from the University of Nebraska, Omaha, to better help readers understand their insurance policies and matters of personal finance. Connect with Jamie on LinkedIn.

Learn More

Sources

  1. Michigan Department of Insurance and Financial Services. "State Minimum Car Insurance Requirements." Accessed July 9, 2022
  2. Michigan Department of Insurance and Financial Services. "Insurance Information for Michigan Consumers." Accessed July 6, 2022
  3. Michigan.gov. "Consumer Protections." Accessed July 6, 2022