Compare Livonia, MI Car Insurance Rates (2021)

Car insurance in Livonia, MI averages $938 a month. Livonia, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Livonia car insurance rates, compare quotes from the top car insurance companies in Livonia, MI.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Livonia, MI after a DUI are $18,796/year
  • Average car insurance rates in Livonia, MI are $11,257/year
  • The cheapest car insurance company in Livonia is USAA

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

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

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

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

How do age, gender, and marital status affect Livonia, MI car insurance rates? Every Livonia, 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 Livonia, 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 $16,636 $16,636 $15,397 $15,397 $42,432 $42,432 $17,546 $17,546
Farmers $6,155 $6,155 $5,701 $5,701 $12,998 $12,998 $6,939 $6,939
GEICO $6,969 $6,969 $7,101 $7,101 $18,022 $18,022 $6,613 $6,613
Liberty Mutual $15,103 $15,103 $14,957 $14,957 $35,114 $35,114 $15,103 $15,103
Nationwide $5,308 $5,308 $4,707 $4,707 $14,355 $14,355 $5,841 $5,841
Progressive $3,412 $3,132 $3,012 $3,401 $12,520 $13,220 $3,960 $3,582
State Farm $7,509 $7,509 $7,007 $7,007 $26,774 $26,774 $8,825 $8,825
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $2,609 $2,476 $2,457 $2,322 $6,468 $6,163 $3,192 $3,068

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Minimum Car Insurance in Livonia, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Livonia, Michigan

Insurance Company Poor Fair Good
Allstate $34,807 $19,314 $14,887
Farmers $11,701 $6,311 $5,833
GEICO $12,481 $9,139 $7,409
Liberty Mutual $31,744 $18,336 $10,128
Nationwide $9,492 $7,128 $6,039
Progressive $6,692 $5,616 $5,032
State Farm $20,318 $10,283 $6,985
Travelers $11,437 $11,087 $10,945
USAA $5,372 $3,069 $2,343

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

Annual Livonia, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,126 $14,836 $50,395 $15,653
Farmers $6,649 $8,545 $8,412 $8,187
GEICO $3,387 $7,171 $21,883 $6,264
Liberty Mutual $13,740 $16,816 $31,939 $17,782
Nationwide $6,442 $8,657 $7,843 $7,269
Progressive $4,872 $6,458 $5,795 $5,996
State Farm $7,869 $9,490 $20,836 $11,921
Travelers $7,561 $10,789 $17,326 $8,948
USAA $2,889 $3,607 $4,733 $3,149

Cheapest Livonia, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Livonia, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $42,432 $42,432
Farmers $12,998 $12,998
GEICO $18,022 $18,022
Liberty Mutual $35,114 $35,114
Nationwide $14,355 $14,355
Progressive $12,520 $13,220
State Farm $26,774 $26,774
Travelers $22,645 $22,645
USAA $6,468 $6,163

Cheapest Livonia, MI Car Insurance for Seniors

Take a look at Livonia, 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 Livonia, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,397 $15,397
Farmers $5,701 $5,701
GEICO $7,101 $7,101
Liberty Mutual $14,957 $14,957
Nationwide $4,707 $4,707
Progressive $3,012 $3,401
State Farm $7,007 $7,007
Travelers $6,400 $6,400
USAA $2,457 $2,322

Cheapest Livonia, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Livonia, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $50,395
Farmers $8,412
GEICO $21,883
Liberty Mutual $31,939
Nationwide $7,843
Progressive $5,795
State Farm $20,836
Travelers $17,326
USAA $4,733

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Cheapest Livonia, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Livonia, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $23,003 $23,003
Farmers $7,948 $7,948
GEICO $9,452 $9,900
Liberty Mutual $19,389 $20,749
Nationwide $7,553 $7,553
Progressive $5,780 $5,780
State Farm $12,186 $12,871
Travelers $11,092 $11,221
USAA $3,554 $3,635

Cheapest Livonia, MI Car Insurance Rates by ZIP Code

Livonia car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Livonia, MI.

Annual Car Insurance Rates by ZIP Code in Livonia, Michigan

ZIP Code Average Annual Rates
48150 $8,042
48152 $8,205
48154 $7,914

The Best Cheap Car Insurance Companies in Livonia, MI

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

Average Annual Car Insurance Rates by Company in Livonia, Michigan

Insurance Company Average Annual Rates
Allstate $23,003
Farmers $7,948
GEICO $9,676
Liberty Mutual $20,069
Nationwide $7,553
Progressive $5,780
State Farm $12,529
Travelers $11,156
USAA $3,594

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Category Winners: Cheapest Car Insurance in Livonia, Michigan

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

Best Annual Car Insurance Rates by Company in Livonia, Michigan

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

Cheapest Livonia, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Livonia, Michigan

Insurance Company Low Medium High
Allstate $22,429 $23,054 $23,525
Farmers $7,675 $7,919 $8,250
GEICO $9,085 $9,586 $10,357
Liberty Mutual $19,583 $20,022 $20,602
Nationwide $7,891 $7,429 $7,338
Progressive $5,590 $5,786 $5,964
State Farm $11,858 $12,611 $13,117
Travelers $11,055 $11,166 $11,247
USAA $3,468 $3,605 $3,710

What affects car insurance rates in Livonia, Michigan?

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

Car Theft in Livonia

High levels of vehicle theft can make car insurance more expensive. Livonia, MI car theft statistics from the FBI indicate 110 vehicle thefts a year.

Commute Time in Livonia

The more time you spend in your car the higher the risk of an accident. The average commute length in Livonia, MI is 23.7 minutes according to City-Data.

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Compare Car Insurance Quotes in Livonia, MI

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