Best Cheap Auto Insurance in Lake City, MI (2021)

The average Lake City, MI auto insurance rates are $789 per month. The minimum auto insurance in Lake City is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Lake City, 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 minimum auto insurance required in Lake City, Michigan is 20/40/10
  • The cheapest auto insurance company in Lake City is USAA
  • The average commute length in Lake City is 20.1 minutes

Lake City, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Lake City 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 Lake City, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Lake City to other Michigan cities, including Grand Rapids auto insurance rates, Flint auto insurance rates, and Ann Arbor auto insurance rates to see how Lake City, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Lake City, Michigan

Lake City, 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 Lake City, Michigan.

Minimum Required Auto Insurance Coverage in Lake City, 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 Lake City, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lake City, 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 Lake City, 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 $18,170 $18,170 $17,000 $17,000 $42,994 $42,994 $19,100 $19,100
Farmers $4,464 $4,464 $4,164 $4,164 $10,034 $10,034 $5,029 $5,029
GEICO $3,808 $3,808 $3,869 $3,869 $10,599 $10,599 $3,641 $3,641
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $3,488 $3,488 $3,115 $3,115 $8,800 $8,800 $3,801 $3,801
Progressive $3,280 $3,034 $2,887 $3,254 $11,597 $12,228 $3,813 $3,474
State Farm $6,342 $6,342 $5,861 $5,861 $21,768 $21,768 $7,425 $7,425
Travelers $5,584 $5,584 $4,792 $4,792 $16,861 $16,861 $6,069 $6,069
USAA $2,449 $2,334 $2,300 $2,183 $5,954 $5,693 $2,992 $2,890

Cheap Lake City, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lake City, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $42,994 $42,994
Farmers $10,034 $10,034
GEICO $10,599 $10,599
Liberty Mutual $30,474 $30,474
Nationwide $8,800 $8,800
Progressive $11,597 $12,228
State Farm $21,768 $21,768
Travelers $16,861 $16,861
USAA $5,954 $5,693

Cheap Lake City, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lake City, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,000 $17,000
Farmers $4,164 $4,164
GEICO $3,869 $3,869
Liberty Mutual $12,695 $12,695
Nationwide $3,115 $3,115
Progressive $2,887 $3,254
State Farm $5,861 $5,861
Travelers $4,792 $4,792
USAA $2,300 $2,183

Cheap Lake City, 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 Lake City, Michigan compared to the annual auto insurance rates with a clean record in Lake City, Michigan.

Annual Lake City, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,775 $15,848 $53,138 $16,502
Farmers $4,968 $6,342 $6,259 $6,121
GEICO $1,949 $4,084 $12,307 $3,577
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $4,124 $5,458 $4,988 $4,634
Progressive $4,593 $6,067 $5,465 $5,657
State Farm $6,683 $7,958 $16,885 $9,871
Travelers $5,658 $8,053 $12,908 $6,686
USAA $2,699 $3,356 $4,400 $2,941

Cheap Lake City, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lake City, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $53,138
Farmers $6,259
GEICO $12,307
Liberty Mutual $26,565
Nationwide $4,988
Progressive $5,465
State Farm $16,885
Travelers $12,908
USAA $4,400

Cheap Lake City, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lake City, Michigan

Insurance Company Poor Fair Good
Allstate $37,235 $20,451 $15,262
Farmers $7,810 $5,179 $4,780
GEICO $7,042 $5,179 $4,216
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $6,001 $4,531 $3,870
Progressive $6,323 $5,283 $4,731
State Farm $16,770 $8,498 $5,779
Travelers $8,534 $8,275 $8,170
USAA $5,004 $2,857 $2,186

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Cheap Lake City, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lake City, Michigan

ZIP Code Average Annual Rates
49651 $6,676

Cheap Lake City, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lake City, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,316 $24,316
Farmers $5,923 $5,923
GEICO $5,353 $5,605
Liberty Mutual $16,605 $17,805
Nationwide $4,801 $4,801
Progressive $5,446 $5,446
State Farm $10,068 $10,630
Travelers $8,279 $8,375
USAA $3,311 $3,387

Cheap Lake City, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lake City, Michigan

Insurance Company Low Medium High
Allstate $23,761 $24,365 $24,821
Farmers $5,794 $5,911 $6,063
GEICO $5,123 $5,430 $5,884
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $5,032 $4,718 $4,653
Progressive $5,274 $5,453 $5,610
State Farm $9,833 $10,413 $10,802
Travelers $8,241 $8,334 $8,405
USAA $3,255 $3,357 $3,436

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Best By Category: Cheapest Auto Insurance in Lake City, Michigan

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

Best Annual Auto Insurance Rates by Company in Lake City, 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 Lake City, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lake City, Michigan

Insurance Company Average Annual Rates
Allstate $24,316
Farmers $5,923
GEICO $5,479
Liberty Mutual $17,205
Nationwide $4,801
Progressive $5,446
State Farm $10,349
Travelers $8,327
USAA $3,349

What affects auto insurance rates in Lake City, Michigan?

There are a lot of reasons why auto insurance rates in Lake City, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lake City, Michigan. Many local factors may affect your Lake City auto insurance rates.

Lake City Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lake City, Michigan auto theft statistics, there have been 2 auto thefts in the city.

Lake City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lake City, Michigan commute length is 20.1 minutes according to City-Data.

Lake City Traffic

How does Lake City, Michigan rank for traffic? According to Inrix Lake City, Michigan is the 929th most congested worldwide.

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Compare Lake City, Michigan Auto Insurance Quotes

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