Compare Lake, MI Car Insurance Rates (2021)

Car insurance in Lake, MI averages $791 a month. Lake, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Lake car insurance rates, compare quotes from the top car insurance companies in 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 Lake is USAA
  • The cheapest car insurance company in Lake for teen drivers is USAA
  • Average car insurance rates in Lake, MI after a DUI are $15,450/year

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

You’ll find Lake car insurance rates, the cheapest Lake, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Lake, Michigan car insurance rates to Lansing car insurance rates, Dearborn car insurance rates, and Warren car insurance rates.

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

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

How do age, gender, and marital status affect Lake, MI car insurance rates? Every 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 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 $13,845 $13,845 $12,862 $12,862 $34,134 $34,134 $14,582 $14,582
Farmers $4,548 $4,548 $4,243 $4,243 $9,885 $9,885 $5,107 $5,107
GEICO $3,935 $3,935 $3,984 $3,984 $10,872 $10,872 $3,763 $3,763
Liberty Mutual $14,956 $14,956 $14,804 $14,804 $35,785 $35,785 $14,956 $14,956
Nationwide $4,191 $4,191 $3,733 $3,733 $10,808 $10,808 $4,581 $4,581
Progressive $3,189 $2,984 $2,807 $3,122 $11,584 $12,392 $3,726 $3,483
State Farm $7,742 $7,742 $7,122 $7,122 $26,395 $26,395 $9,067 $9,067
Travelers $4,991 $4,991 $4,282 $4,282 $15,054 $15,054 $5,423 $5,423
USAA $2,676 $2,536 $2,514 $2,376 $6,496 $6,174 $3,262 $3,132

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Minimum Car Insurance in Lake, MI

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

Minimum Required Car Insurance Coverage in 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 Lake, MI Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Lake, Michigan

Insurance Company Poor Fair Good
Allstate $28,652 $15,840 $12,077
Farmers $7,888 $5,176 $4,773
GEICO $7,249 $5,330 $4,337
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $7,316 $5,496 $4,673
Progressive $6,249 $5,250 $4,734
State Farm $20,422 $10,321 $7,002
Travelers $7,622 $7,392 $7,299
USAA $5,463 $3,110 $2,364

Cheapest 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 Lake, MI to rates for a clean record with top companies.

Annual Lake, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,232 $12,324 $40,992 $12,876
Farmers $5,001 $6,359 $6,282 $6,141
GEICO $2,017 $4,201 $12,647 $3,690
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $4,987 $6,651 $6,057 $5,618
Progressive $4,590 $6,018 $5,414 $5,622
State Farm $8,172 $9,706 $20,442 $12,006
Travelers $5,050 $7,190 $11,546 $5,964
USAA $2,934 $3,658 $4,794 $3,198

Cheapest Lake, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lake, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,134 $34,134
Farmers $9,885 $9,885
GEICO $10,872 $10,872
Liberty Mutual $35,785 $35,785
Nationwide $10,808 $10,808
Progressive $11,584 $12,392
State Farm $26,395 $26,395
Travelers $15,054 $15,054
USAA $6,496 $6,174

Cheapest Lake, MI Car Insurance for Seniors

Take a look at 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 Lake, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $12,862 $12,862
Farmers $4,243 $4,243
GEICO $3,984 $3,984
Liberty Mutual $14,804 $14,804
Nationwide $3,733 $3,733
Progressive $2,807 $3,122
State Farm $7,122 $7,122
Travelers $4,282 $4,282
USAA $2,514 $2,376

Cheapest Lake, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lake, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $40,992
Farmers $6,282
GEICO $12,647
Liberty Mutual $30,874
Nationwide $6,057
Progressive $5,414
State Farm $20,442
Travelers $11,546
USAA $4,794

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Cheapest Lake, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in 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 Lake, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $18,856 $18,856
Farmers $5,946 $5,946
GEICO $5,508 $5,769
Liberty Mutual $19,417 $20,833
Nationwide $5,828 $5,828
Progressive $5,411 $5,411
State Farm $12,242 $12,920
Travelers $7,395 $7,480
USAA $3,604 $3,688

The Best Cheap Car Insurance Companies in Lake, MI

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

Average Annual Car Insurance Rates by Company in Lake, Michigan

Insurance Company Average Annual Rates
Allstate $18,856
Farmers $5,946
GEICO $5,639
Liberty Mutual $20,125
Nationwide $5,828
Progressive $5,411
State Farm $12,581
Travelers $7,438
USAA $3,646

Category Winners: Cheapest Car Insurance in Lake, Michigan

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

Best Annual Car Insurance Rates by Company in 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 Lake, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lake, Michigan

Insurance Company Low Medium High
Allstate $18,427 $18,894 $19,247
Farmers $5,820 $5,935 $6,082
GEICO $5,296 $5,592 $6,028
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $6,109 $5,727 $5,648
Progressive $5,251 $5,418 $5,564
State Farm $11,982 $12,655 $13,107
Travelers $7,365 $7,444 $7,504
USAA $3,547 $3,654 $3,737

What affects car insurance rates in Lake, Michigan?

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

Commute Time in Lake

The more time you spend in your car the higher the risk of an accident. The average commute length in Lake, MI is 31.6 minutes according to City-Data.

Traffic in Lake

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lake, MI traffic data from INRIX ranks Lake as the 497th-most congested in the world.

Compare Car Insurance Quotes in Lake, MI

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