Which communities have the highest and lowest auto-insurance rates in Livingston County?

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If you own a car and you live in Howell, consider yourself lucky. You have the lowest average auto-insurance rates in Livingston County.

On the other end of the spectrum, which community in Livingston County has the highest insurance rates?


So says a new study from MLive, which looked at auto insurance rates across the state, using data provided by thezebra.com. The study looked at the ZIP codes in Michigan that had the highest and lowest insurance rates. For purposes of the study, they looked at what a 30-year-old man driving a 2014 Honda Accord EX would pay every year for insurance.

The study showed that if that driver lived in Gregory, he’d pay more than $200 a year more than if he lived in Howell. Here are the auto insurance rates for every ZIP code in the county:

Statewide, the study showed that the highest rates by far are paid by drivers in Detroit – more than $5,000 a year in some cases. The lowest rates are mostly found in the Upper Peninsula and other outstate areas.

According to the story, drivers in Detroit pay more because their cars are more likely to be stolen or vandalized, and because of the population density, they’re more likely to get into an accident.

That explanation does little to explain why Gregory – the most rural community in Livingston County – would have the highest insurance rates here.

Click HERE to see the MLive story and search for any other community in the state.

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The Livingston Post is the only locally owned, all-digital information and opinion site in Livingston County, Mich. It was launched by award-winning journalists who were laid off from the Livingston County Daily Press & Argus by Gannett Co. Inc. in 2009.