Compare Lawrence, MI Car Insurance Rates (2021)

Car insurance in Lawrence, MI averages $782 a month. Lawrence, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Lawrence car insurance rates, compare quotes from the top car insurance companies in Lawrence, 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

  • Average car insurance rates in Lawrence, MI after a DUI are $15,767/year
  • The cheapest car insurance company in Lawrence for teen drivers is USAA
  • The cheapest car insurance company in Lawrence is USAA

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

You’ll find Lawrence car insurance rates, the cheapest Lawrence, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Lawrence, Michigan car insurance rates to Troy car insurance rates, Dearborn car insurance rates, and Ann Arbor car insurance rates.

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

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

How do age, gender, and marital status affect Lawrence, MI car insurance rates? Every Lawrence, 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 Lawrence, 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 $17,044 $17,044 $15,842 $15,842 $42,157 $42,157 $17,954 $17,954
Farmers $4,168 $4,168 $3,888 $3,888 $9,462 $9,462 $4,692 $4,692
GEICO $3,871 $3,871 $3,957 $3,957 $11,016 $11,016 $3,702 $3,702
Liberty Mutual $13,713 $13,713 $13,578 $13,578 $32,196 $32,196 $13,713 $13,713
Nationwide $3,942 $3,942 $3,505 $3,505 $10,508 $10,508 $4,327 $4,327
Progressive $2,871 $2,677 $2,539 $2,823 $10,533 $11,260 $3,342 $3,109
State Farm $6,613 $6,613 $6,140 $6,140 $23,174 $23,174 $7,760 $7,760
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,665 $2,527 $2,506 $2,368 $6,557 $6,240 $3,256 $3,127

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Minimum Car Insurance in Lawrence, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Lawrence, Michigan

Insurance Company Poor Fair Good
Allstate $35,312 $19,534 $14,901
Farmers $7,306 $4,861 $4,490
GEICO $7,246 $5,328 $4,336
Liberty Mutual $28,944 $16,719 $9,237
Nationwide $6,950 $5,268 $4,492
Progressive $5,636 $4,754 $4,293
State Farm $17,708 $8,965 $6,092
Travelers $6,813 $6,608 $6,525
USAA $5,473 $3,119 $2,376

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

Annual Lawrence, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,305 $15,118 $50,741 $15,832
Farmers $4,662 $5,948 $5,870 $5,730
GEICO $1,971 $4,198 $12,718 $3,659
Liberty Mutual $12,709 $15,412 $28,745 $16,333
Nationwide $4,779 $6,351 $5,780 $5,371
Progressive $4,160 $5,445 $4,895 $5,077
State Farm $6,946 $8,329 $18,009 $10,403
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,939 $3,669 $4,811 $3,204

Cheapest Lawrence, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lawrence, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $42,157 $42,157
Farmers $9,462 $9,462
GEICO $11,016 $11,016
Liberty Mutual $32,196 $32,196
Nationwide $10,508 $10,508
Progressive $10,533 $11,260
State Farm $23,174 $23,174
Travelers $13,395 $13,395
USAA $6,557 $6,240

Cheapest Lawrence, MI Car Insurance for Seniors

Take a look at Lawrence, 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 Lawrence, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,842 $15,842
Farmers $3,888 $3,888
GEICO $3,957 $3,957
Liberty Mutual $13,578 $13,578
Nationwide $3,505 $3,505
Progressive $2,539 $2,823
State Farm $6,140 $6,140
Travelers $3,858 $3,858
USAA $2,506 $2,368

Cheapest Lawrence, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lawrence, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $50,741
Farmers $5,870
GEICO $12,718
Liberty Mutual $28,745
Nationwide $5,780
Progressive $4,895
State Farm $18,009
Travelers $10,331
USAA $4,811

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Cheapest Lawrence, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lawrence, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $23,249 $23,249
Farmers $5,552 $5,552
GEICO $5,509 $5,764
Liberty Mutual $17,672 $18,928
Nationwide $5,570 $5,570
Progressive $4,894 $4,894
State Farm $10,626 $11,217
Travelers $6,611 $6,686
USAA $3,614 $3,698

The Best Cheap Car Insurance Companies in Lawrence, MI

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

Average Annual Car Insurance Rates by Company in Lawrence, Michigan

Insurance Company Average Annual Rates
Allstate $23,249
Farmers $5,552
GEICO $5,636
Liberty Mutual $18,300
Nationwide $5,570
Progressive $4,894
State Farm $10,922
Travelers $6,649
USAA $3,656

Category Winners: Cheapest Car Insurance in Lawrence, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Lawrence, Michigan

Insurance Company Low Medium High
Allstate $22,602 $23,307 $23,838
Farmers $5,407 $5,539 $5,711
GEICO $5,258 $5,585 $6,067
Liberty Mutual $17,826 $18,254 $18,820
Nationwide $5,814 $5,480 $5,417
Progressive $4,752 $4,900 $5,030
State Farm $10,367 $10,990 $11,408
Travelers $6,575 $6,656 $6,715
USAA $3,544 $3,665 $3,758

What affects car insurance rates in Lawrence, Michigan?

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

Commute Time in Lawrence

The more time you spend in your car the higher the risk of an accident. The average commute length in Lawrence, MI is 23.9 minutes according to City-Data.

Traffic in Lawrence

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lawrence, MI traffic data from INRIX ranks Lawrence as the 267th-most congested in the world.

Compare Car Insurance Quotes in Lawrence, MI

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

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