Best Cheap Auto Insurance in Lakeland, MI (2021)

The average Lakeland, MI auto insurance rates are $783 per month. The minimum auto insurance in Lakeland is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Lakeland, 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 Lakeland, Michigan is 20/40/10
  • Average auto insurance rates in Lakeland, MI for senior drivers are $6,242 per year
  • The cheapest auto insurance company in Lakeland is USAA

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

Compare auto insurance in Lakeland to other Michigan cities, including Dearborn auto insurance rates, Sterling Heights auto insurance rates, and Flint auto insurance rates to see how Lakeland, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Lakeland, Michigan

Lakeland, 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 Lakeland, Michigan.

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

Auto insurance rates in Lakeland, 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 Lakeland, 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 $18,347 $18,347 $17,085 $17,085 $44,921 $44,921 $19,315 $19,315
Farmers $3,968 $3,968 $3,703 $3,703 $8,917 $8,917 $4,462 $4,462
GEICO $3,906 $3,906 $4,021 $4,021 $11,483 $11,483 $3,742 $3,742
Liberty Mutual $13,502 $13,502 $13,369 $13,369 $31,726 $31,726 $13,502 $13,502
Nationwide $2,976 $2,976 $2,672 $2,672 $7,397 $7,397 $3,238 $3,238
Progressive $3,301 $3,050 $2,916 $3,274 $12,244 $13,012 $3,846 $3,522
State Farm $6,541 $6,541 $6,059 $6,059 $22,956 $22,956 $7,687 $7,687
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,534 $2,368 $2,391 $2,237 $6,074 $5,680 $3,046 $2,876

Cheap Lakeland, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lakeland, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $44,921 $44,921
Farmers $8,917 $8,917
GEICO $11,483 $11,483
Liberty Mutual $31,726 $31,726
Nationwide $7,397 $7,397
Progressive $12,244 $13,012
State Farm $22,956 $22,956
Travelers $13,395 $13,395
USAA $6,074 $5,680

Cheap Lakeland, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lakeland, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,085 $17,085
Farmers $3,703 $3,703
GEICO $4,021 $4,021
Liberty Mutual $13,369 $13,369
Nationwide $2,672 $2,672
Progressive $2,916 $3,274
State Farm $6,059 $6,059
Travelers $3,858 $3,858
USAA $2,391 $2,237

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

Annual Lakeland, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $12,046 $16,146 $54,552 $16,924
Farmers $4,421 $5,635 $5,560 $5,433
GEICO $1,982 $4,306 $13,132 $3,733
Liberty Mutual $12,534 $15,189 $28,276 $16,099
Nationwide $3,508 $4,622 $4,222 $3,929
Progressive $4,772 $6,302 $5,652 $5,857
State Farm $6,857 $8,232 $17,858 $10,295
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,739 $3,424 $4,459 $2,981

Cheap Lakeland, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lakeland, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $54,552
Farmers $5,560
GEICO $13,132
Liberty Mutual $28,276
Nationwide $4,222
Progressive $5,652
State Farm $17,858
Travelers $10,331
USAA $4,459

Cheap Lakeland, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lakeland, Michigan

Insurance Company Poor Fair Good
Allstate $37,967 $20,940 $15,843
Farmers $6,915 $4,611 $4,262
GEICO $7,442 $5,471 $4,451
Liberty Mutual $28,504 $16,469 $9,101
Nationwide $5,062 $3,849 $3,300
Progressive $6,519 $5,485 $4,933
State Farm $17,525 $8,875 $6,032
Travelers $6,813 $6,608 $6,525
USAA $5,073 $2,918 $2,211

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Cheap Lakeland, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lakeland, Michigan

ZIP Code Average Annual Rates
48143 $6,552

Cheap Lakeland, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lakeland, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,917 $24,917
Farmers $5,262 $5,262
GEICO $5,660 $5,916
Liberty Mutual $17,405 $18,644
Nationwide $4,071 $4,071
Progressive $5,646 $5,646
State Farm $10,527 $11,094
Travelers $6,611 $6,686
USAA $3,361 $3,440

Cheap Lakeland, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lakeland, Michigan

Insurance Company Low Medium High
Allstate $24,334 $24,969 $25,448
Farmers $5,136 $5,252 $5,399
GEICO $5,422 $5,738 $6,203
Liberty Mutual $17,614 $17,984 $18,475
Nationwide $4,219 $4,013 $3,980
Progressive $5,486 $5,653 $5,798
State Farm $10,307 $10,873 $11,252
Travelers $6,575 $6,656 $6,715
USAA $3,298 $3,409 $3,495

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Best By Category: Cheapest Auto Insurance in Lakeland, Michigan

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

Best Annual Auto Insurance Rates by Company in Lakeland, Michigan

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

The Cheapest Lakeland, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lakeland, Michigan

Insurance Company Average Annual Rates
Allstate $24,917
Farmers $5,262
GEICO $5,788
Liberty Mutual $18,025
Nationwide $4,071
Progressive $5,646
State Farm $10,811
Travelers $6,649
USAA $3,401

What affects auto insurance rates in Lakeland, Michigan?

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

Lakeland Traffic

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

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Compare Lakeland, Michigan Auto Insurance Quotes

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