Best Cheap Auto Insurance in Lake, MI (2021)

The average Lake, MI auto insurance rates are $791 per month. The minimum auto insurance in Lake is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Lake, 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 cheapest auto insurance company in Lake is USAA
  • Average auto insurance rates in Lake, MI for senior drivers are $6,271 per year
  • The most expensive auto insurance company in Lake for teen drivers is Liberty Mutual

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

Compare auto insurance in Lake to other Michigan cities, including Livonia auto insurance rates, Detroit auto insurance rates, and Warren auto insurance rates to see how Lake, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Lake, Michigan

Lake, 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, Michigan.

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

Auto insurance rates in Lake, 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, 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 $13,845 $13,845 $12,862 $12,862 $34,134 $34,134 $14,582 $14,582
Farmers $4,548 $4,548 $4,243 $4,243 $9,885 $9,885 $5,107 $5,107
GEICO $3,935 $3,935 $3,984 $3,984 $10,872 $10,872 $3,763 $3,763
Liberty Mutual $14,956 $14,956 $14,804 $14,804 $35,785 $35,785 $14,956 $14,956
Nationwide $4,191 $4,191 $3,733 $3,733 $10,808 $10,808 $4,581 $4,581
Progressive $3,189 $2,984 $2,807 $3,122 $11,584 $12,392 $3,726 $3,483
State Farm $7,742 $7,742 $7,122 $7,122 $26,395 $26,395 $9,067 $9,067
Travelers $4,991 $4,991 $4,282 $4,282 $15,054 $15,054 $5,423 $5,423
USAA $2,676 $2,536 $2,514 $2,376 $6,496 $6,174 $3,262 $3,132

Cheap Lake, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lake, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,134 $34,134
Farmers $9,885 $9,885
GEICO $10,872 $10,872
Liberty Mutual $35,785 $35,785
Nationwide $10,808 $10,808
Progressive $11,584 $12,392
State Farm $26,395 $26,395
Travelers $15,054 $15,054
USAA $6,496 $6,174

Cheap Lake, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lake, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $12,862 $12,862
Farmers $4,243 $4,243
GEICO $3,984 $3,984
Liberty Mutual $14,804 $14,804
Nationwide $3,733 $3,733
Progressive $2,807 $3,122
State Farm $7,122 $7,122
Travelers $4,282 $4,282
USAA $2,514 $2,376

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

Annual Lake, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,232 $12,324 $40,992 $12,876
Farmers $5,001 $6,359 $6,282 $6,141
GEICO $2,017 $4,201 $12,647 $3,690
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $4,987 $6,651 $6,057 $5,618
Progressive $4,590 $6,018 $5,414 $5,622
State Farm $8,172 $9,706 $20,442 $12,006
Travelers $5,050 $7,190 $11,546 $5,964
USAA $2,934 $3,658 $4,794 $3,198

Cheap Lake, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lake, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $40,992
Farmers $6,282
GEICO $12,647
Liberty Mutual $30,874
Nationwide $6,057
Progressive $5,414
State Farm $20,442
Travelers $11,546
USAA $4,794

Cheap Lake, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lake, Michigan

Insurance Company Poor Fair Good
Allstate $28,652 $15,840 $12,077
Farmers $7,888 $5,176 $4,773
GEICO $7,249 $5,330 $4,337
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $7,316 $5,496 $4,673
Progressive $6,249 $5,250 $4,734
State Farm $20,422 $10,321 $7,002
Travelers $7,622 $7,392 $7,299
USAA $5,463 $3,110 $2,364

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Cheap Lake, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lake, Michigan

ZIP Code Average Annual Rates
48632 $6,643

Cheap Lake, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lake, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $18,856 $18,856
Farmers $5,946 $5,946
GEICO $5,508 $5,769
Liberty Mutual $19,417 $20,833
Nationwide $5,828 $5,828
Progressive $5,411 $5,411
State Farm $12,242 $12,920
Travelers $7,395 $7,480
USAA $3,604 $3,688

Cheap Lake, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lake, Michigan

Insurance Company Low Medium High
Allstate $18,427 $18,894 $19,247
Farmers $5,820 $5,935 $6,082
GEICO $5,296 $5,592 $6,028
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $6,109 $5,727 $5,648
Progressive $5,251 $5,418 $5,564
State Farm $11,982 $12,655 $13,107
Travelers $7,365 $7,444 $7,504
USAA $3,547 $3,654 $3,737

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Best By Category: Cheapest Auto Insurance in Lake, Michigan

Compare the cheapest auto insurance companies in Lake, 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, 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, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lake, Michigan

Insurance Company Average Annual Rates
Allstate $18,856
Farmers $5,946
GEICO $5,639
Liberty Mutual $20,125
Nationwide $5,828
Progressive $5,411
State Farm $12,581
Travelers $7,438
USAA $3,646

What affects auto insurance rates in Lake, Michigan?

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

Lake Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lake, Michigan commute length is 31.6 minutes according to City-Data.

Lake Traffic

How does Lake, Michigan rank for traffic? According to Inrix Lake, Michigan is the 497th most congested worldwide.

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Compare Lake, Michigan Auto Insurance Quotes

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