Best Cheap Auto Insurance in Lacota, MI (2021)

The average Lacota, MI auto insurance rates are $763 per month. The minimum auto insurance in Lacota is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Lacota, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Lacota for teen drivers is Allstate
  • The minimum auto insurance required in Lacota, Michigan is 20/40/10
  • Average auto insurance rates in Lacota, MI for senior drivers are $6,029 per year

Lacota, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Lacota can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lacota, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Lacota to other Michigan cities, including Detroit auto insurance rates, Lansing auto insurance rates, and Dearborn auto insurance rates to see how Lacota, Michigan auto insurance rates stack up.

Before you buy Lacota, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lacota, Michigan auto insurance quotes.

Minimum Auto Insurance in Lacota, Michigan

Lacota, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lacota, Michigan.

Minimum Required Auto Insurance Coverage in Lacota, 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

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Cheap Lacota, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lacota, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lacota, 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 $14,891 $14,891 $13,798 $13,798 $37,598 $37,598 $15,699 $15,699
Farmers $4,229 $4,229 $3,944 $3,944 $9,534 $9,534 $4,763 $4,763
GEICO $3,765 $3,765 $3,848 $3,848 $10,766 $10,766 $3,604 $3,604
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 $3,515 $3,247 $3,098 $3,483 $12,974 $13,774 $4,097 $3,748
State Farm $6,547 $6,547 $6,077 $6,077 $22,924 $22,924 $7,683 $7,683
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,587 $2,431 $2,439 $2,291 $6,254 $5,884 $3,129 $2,973

Cheap Lacota, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lacota, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Lacota, Michigan.

Annual Auto Insurance Rates for Teen Drivers in Lacota, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,598 $37,598
Farmers $9,534 $9,534
GEICO $10,766 $10,766
Liberty Mutual $32,196 $32,196
Nationwide $10,508 $10,508
Progressive $12,974 $13,774
State Farm $22,924 $22,924
Travelers $13,395 $13,395
USAA $6,254 $5,884

Cheap Lacota, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Lacota, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Lacota, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,798 $13,798
Farmers $3,944 $3,944
GEICO $3,848 $3,848
Liberty Mutual $13,578 $13,578
Nationwide $3,505 $3,505
Progressive $3,098 $3,483
State Farm $6,077 $6,077
Travelers $3,858 $3,858
USAA $2,439 $2,291

Cheap Lacota, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lacota, Michigan compared to the annual auto insurance rates with a clean record in Lacota, Michigan.

Annual Lacota, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,940 $13,272 $44,822 $13,954
Farmers $4,715 $6,016 $5,936 $5,804
GEICO $1,922 $4,093 $12,398 $3,569
Liberty Mutual $12,709 $15,412 $28,745 $16,333
Nationwide $4,779 $6,351 $5,780 $5,371
Progressive $5,057 $6,689 $6,001 $6,220
State Farm $6,877 $8,244 $17,815 $10,295
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,815 $3,517 $4,595 $3,066

Cheap Lacota, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lacota, Michigan is not easy. Compare the annual rates for DUI auto insurance in Lacota, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Lacota, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,822
Farmers $5,936
GEICO $12,398
Liberty Mutual $28,745
Nationwide $5,780
Progressive $6,001
State Farm $17,815
Travelers $10,331
USAA $4,595

Cheap Lacota, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lacota, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Lacota, Michigan

Insurance Company Poor Fair Good
Allstate $31,031 $17,216 $13,242
Farmers $7,392 $4,918 $4,543
GEICO $7,063 $5,195 $4,228
Liberty Mutual $28,944 $16,719 $9,237
Nationwide $6,950 $5,268 $4,492
Progressive $6,930 $5,819 $5,227
State Farm $17,522 $8,872 $6,030
Travelers $6,813 $6,608 $6,525
USAA $5,224 $2,996 $2,275

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Cheap Lacota, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lacota, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Lacota, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Lacota, Michigan

ZIP Code Average Annual Rates
49063 $6,461

Cheap Lacota, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Lacota, Michigan auto insurance. Find the cheapest annual Lacota, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lacota, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,497 $20,497
Farmers $5,618 $5,618
GEICO $5,372 $5,619
Liberty Mutual $17,672 $18,928
Nationwide $5,570 $5,570
Progressive $5,992 $5,992
State Farm $10,516 $11,100
Travelers $6,611 $6,686
USAA $3,458 $3,539

Cheap Lacota, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lacota, Michigan? Check out the comparison of annual Lacota, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Lacota, Michigan

Insurance Company Low Medium High
Allstate $20,014 $20,539 $20,937
Farmers $5,490 $5,606 $5,757
GEICO $5,148 $5,448 $5,891
Liberty Mutual $17,826 $18,254 $18,820
Nationwide $5,814 $5,480 $5,417
Progressive $5,812 $5,999 $6,165
State Farm $10,263 $10,875 $11,285
Travelers $6,575 $6,656 $6,715
USAA $3,385 $3,508 $3,602

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Best By Category: Cheapest Auto Insurance in Lacota, Michigan

Compare the cheapest auto insurance companies in Lacota, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Lacota, Michigan

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

The Cheapest Lacota, Michigan Auto Insurance Companies

What auto insurance companies in Lacota, Michigan are the cheapest? Compare the top Lacota, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Lacota, Michigan

Insurance Company Average Annual Rates
Allstate $20,497
Farmers $5,618
GEICO $5,496
Liberty Mutual $18,300
Nationwide $5,570
Progressive $5,992
State Farm $10,808
Travelers $6,649
USAA $3,498

Compare Lacota, Michigan Auto Insurance Quotes

Before you buy Lacota, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lacota, Michigan auto insurance quotes.

Free Auto Insurance Comparison

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

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