Compare Central Lake, MI Car Insurance Rates (2021)

Car insurance in Central Lake, MI averages $797 a month. Central Lake, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Central Lake car insurance rates, compare quotes from the top car insurance companies in Central Lake, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Central Lake for teen drivers is USAA
  • The cheapest car insurance company in Central Lake is USAA
  • Average car insurance rates in Central Lake, MI after a DUI are $16,057/year

If you need to buy Central Lake, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Central Lake, MI is right here.

You’ll find Central Lake car insurance rates, the cheapest Central Lake, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Central Lake, Michigan car insurance rates to Troy car insurance rates, Detroit car insurance rates, and Grand Rapids car insurance rates.

Ready to find affordable Central Lake, MI car insurance today? Enter your ZIP code for fast, free Central Lake car insurance quotes.

Cheapest Central Lake, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Central Lake, MI car insurance rates? Every Central Lake, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Central Lake, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $18,178 $18,178 $17,007 $17,007 $43,020 $43,020 $19,109 $19,109
Farmers $4,165 $4,165 $3,886 $3,886 $9,293 $9,293 $4,688 $4,688
GEICO $3,728 $3,728 $3,811 $3,811 $10,509 $10,509 $3,566 $3,566
Liberty Mutual $13,423 $13,423 $13,290 $13,290 $31,542 $31,542 $13,423 $13,423
Nationwide $4,680 $4,680 $4,166 $4,166 $12,064 $12,064 $5,117 $5,117
Progressive $2,808 $2,614 $2,487 $2,767 $10,210 $10,888 $3,263 $3,024
State Farm $6,403 $6,403 $5,906 $5,906 $22,012 $22,012 $7,507 $7,507
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,372 $2,255 $2,232 $2,115 $5,726 $5,456 $2,888 $2,781

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Minimum Car Insurance in Central Lake, MI

Every driver must carry the minimum car insurance in Central Lake, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Central Lake, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Central Lake, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Central Lake, MI. Compare credit history car insurance rates in Central Lake from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Central Lake, Michigan

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $7,264 $4,815 $4,444
GEICO $6,944 $5,108 $4,158
Liberty Mutual $28,338 $16,372 $9,047
Nationwide $8,198 $6,128 $5,194
Progressive $5,482 $4,621 $4,170
State Farm $16,947 $8,586 $5,838
Travelers $8,169 $7,922 $7,822
USAA $4,814 $2,759 $2,112

Cheapest Central Lake, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Central Lake, MI to rates for a clean record with top companies.

Annual Central Lake, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,781 $15,856 $53,166 $16,511
Farmers $4,625 $5,896 $5,820 $5,691
GEICO $1,897 $4,025 $12,180 $3,511
Liberty Mutual $12,457 $15,103 $28,109 $16,009
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $4,041 $5,292 $4,764 $4,934
State Farm $6,737 $8,031 $17,088 $9,972
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,604 $3,236 $4,237 $2,835

Cheapest Central Lake, MI Car Insurance for Teen Drivers

Teen car insurance in Central Lake, MI can be expensive. Take a look at rates from the top car insurance companies in Central Lake for teenagers.

Annual Car Insurance Rates for Teen Drivers in Central Lake, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $9,293 $9,293
GEICO $10,509 $10,509
Liberty Mutual $31,542 $31,542
Nationwide $12,064 $12,064
Progressive $10,210 $10,888
State Farm $22,012 $22,012
Travelers $16,137 $16,137
USAA $5,726 $5,456

Cheapest Central Lake, MI Car Insurance for Seniors

Take a look at Central Lake, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Central Lake, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $3,886 $3,886
GEICO $3,811 $3,811
Liberty Mutual $13,290 $13,290
Nationwide $4,166 $4,166
Progressive $2,487 $2,767
State Farm $5,906 $5,906
Travelers $4,589 $4,589
USAA $2,232 $2,115

Cheapest Central Lake, MI Car Insurance Rates After a DUI

A DUI in Central Lake, MI increases car insurance rates. Compare Central Lake, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Central Lake, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $53,166
Farmers $5,820
GEICO $12,180
Liberty Mutual $28,109
Nationwide $6,765
Progressive $4,764
State Farm $17,088
Travelers $12,382
USAA $4,237

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Cheapest Central Lake, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Central Lake, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Central Lake, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $24,328 $24,328
Farmers $5,508 $5,508
GEICO $5,282 $5,525
Liberty Mutual $17,304 $18,535
Nationwide $6,507 $6,507
Progressive $4,758 $4,758
State Farm $10,181 $10,733
Travelers $7,926 $8,017
USAA $3,191 $3,265

The Best Cheap Car Insurance Companies in Central Lake, MI

Take a look at a side-by-side comparison of the top car insurance companies in Central Lake, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Central Lake, Michigan

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $5,508
GEICO $5,404
Liberty Mutual $17,919
Nationwide $6,507
Progressive $4,758
State Farm $10,457
Travelers $7,971
USAA $3,228

Category Winners: Cheapest Car Insurance in Central Lake, Michigan

Find the cheapest car insurance companies in Central Lake, MI for each category right here.

Best Annual Car Insurance Rates by Company in Central Lake, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Central Lake, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Central Lake car insurance rates. Find the cheapest Central Lake, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Central Lake, Michigan

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $5,387 $5,497 $5,639
GEICO $5,065 $5,357 $5,788
Liberty Mutual $17,501 $17,878 $18,379
Nationwide $6,846 $6,388 $6,286
Progressive $4,601 $4,765 $4,907
State Farm $9,974 $10,516 $10,881
Travelers $7,889 $7,978 $8,047
USAA $3,130 $3,236 $3,318

What affects car insurance rates in Central Lake, Michigan?

What factors can have an impact on Central Lake, MI car insurance? There are several reasons why Central Lake car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Central Lake, Michigan.

Commute Time in Central Lake

The more time you spend in your car the higher the risk of an accident. The average commute length in Central Lake, MI is 19.1 minutes according to City-Data.

Compare Car Insurance Quotes in Central Lake, MI

Ready to find affordable Central Lake, Michigan car insurance today? Enter your ZIP code for fast, free Central Lake, MI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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