Compare Luzerne, MI Car Insurance Rates (2021)

Car insurance in Luzerne, MI averages $749 a month. Luzerne, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Luzerne car insurance rates, compare quotes from the top car insurance companies in Luzerne, MI.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Luzerne for teen drivers is USAA
  • Average car insurance rates in Luzerne, MI after a DUI are $14,759/year
  • The cheapest car insurance company in Luzerne is USAA

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

You’ll find Luzerne car insurance rates, the cheapest Luzerne, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Luzerne, Michigan car insurance rates to Sterling Heights car insurance rates, Flint car insurance rates, and Warren car insurance rates.

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

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

How do age, gender, and marital status affect Luzerne, MI car insurance rates? Every Luzerne, 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 Luzerne, 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 $14,129 $14,129 $13,111 $13,111 $35,093 $35,093 $14,886 $14,886
Farmers $4,319 $4,319 $4,025 $4,025 $9,641 $9,641 $4,854 $4,854
GEICO $3,860 $3,860 $3,898 $3,898 $10,683 $10,683 $3,694 $3,694
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $3,888 $3,888 $3,463 $3,463 $10,205 $10,205 $4,260 $4,260
Progressive $3,037 $2,827 $2,674 $2,996 $10,654 $11,279 $3,531 $3,253
State Farm $6,617 $6,617 $6,123 $6,123 $22,770 $22,770 $7,746 $7,746
Travelers $5,584 $5,584 $4,792 $4,792 $16,861 $16,861 $6,069 $6,069
USAA $2,572 $2,434 $2,418 $2,284 $6,179 $5,858 $3,124 $2,994

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Luzerne, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Luzerne, Michigan

Insurance Company Poor Fair Good
Allstate $29,308 $16,213 $12,393
Farmers $7,503 $5,001 $4,624
GEICO $7,113 $5,231 $4,257
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $6,815 $5,154 $4,393
Progressive $5,834 $4,880 $4,381
State Farm $17,530 $8,877 $6,034
Travelers $8,534 $8,275 $8,170
USAA $5,210 $2,975 $2,263

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

Annual Luzerne, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,442 $12,596 $42,000 $13,180
Farmers $4,799 $6,112 $6,030 $5,897
GEICO $1,992 $4,124 $12,388 $3,630
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $4,677 $6,220 $5,661 $5,258
Progressive $4,259 $5,593 $5,045 $5,228
State Farm $6,975 $8,310 $17,656 $10,313
Travelers $5,658 $8,053 $12,908 $6,686
USAA $2,806 $3,494 $4,575 $3,057

Cheapest Luzerne, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Luzerne, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,093 $35,093
Farmers $9,641 $9,641
GEICO $10,683 $10,683
Liberty Mutual $30,474 $30,474
Nationwide $10,205 $10,205
Progressive $10,654 $11,279
State Farm $22,770 $22,770
Travelers $16,861 $16,861
USAA $6,179 $5,858

Cheapest Luzerne, MI Car Insurance for Seniors

Take a look at Luzerne, 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 Luzerne, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,111 $13,111
Farmers $4,025 $4,025
GEICO $3,898 $3,898
Liberty Mutual $12,695 $12,695
Nationwide $3,463 $3,463
Progressive $2,674 $2,996
State Farm $6,123 $6,123
Travelers $4,792 $4,792
USAA $2,418 $2,284

Cheapest Luzerne, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Luzerne, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $42,000
Farmers $6,030
GEICO $12,388
Liberty Mutual $26,565
Nationwide $5,661
Progressive $5,045
State Farm $17,656
Travelers $12,908
USAA $4,575

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Luzerne, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Luzerne, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,304 $19,304
Farmers $5,710 $5,710
GEICO $5,405 $5,663
Liberty Mutual $16,605 $17,805
Nationwide $5,454 $5,454
Progressive $5,031 $5,031
State Farm $10,517 $11,111
Travelers $8,279 $8,375
USAA $3,443 $3,523

The Best Cheap Car Insurance Companies in Luzerne, MI

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

Average Annual Car Insurance Rates by Company in Luzerne, Michigan

Insurance Company Average Annual Rates
Allstate $19,304
Farmers $5,710
GEICO $5,534
Liberty Mutual $17,205
Nationwide $5,454
Progressive $5,031
State Farm $10,814
Travelers $8,327
USAA $3,483

Category Winners: Cheapest Car Insurance in Luzerne, Michigan

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

Best Annual Car Insurance Rates by Company in Luzerne, Michigan

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Luzerne, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Luzerne, Michigan

Insurance Company Low Medium High
Allstate $18,877 $19,343 $19,694
Farmers $5,576 $5,698 $5,855
GEICO $5,185 $5,486 $5,930
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $5,695 $5,365 $5,302
Progressive $4,877 $5,037 $5,179
State Farm $10,255 $10,883 $11,304
Travelers $8,241 $8,334 $8,405
USAA $3,387 $3,491 $3,572

Compare Car Insurance Quotes in Luzerne, MI

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption