Best Cheap Auto Insurance in Lawrence, MI (2021)

The average Lawrence, MI auto insurance rates are $782 per month. The minimum auto insurance in Lawrence is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Lawrence, Michigan, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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.

Things to Remember

  • The cheapest auto insurance company in Lawrence is USAA
  • The most expensive auto insurance company in Lawrence for teen drivers is Allstate
  • The minimum auto insurance required in Lawrence, Michigan is 20/40/10

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

Compare auto insurance in Lawrence to other Michigan cities, including Detroit auto insurance rates, Dearborn auto insurance rates, and Grand Rapids auto insurance rates to see how Lawrence, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Lawrence, Michigan

Lawrence, 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 Lawrence, Michigan.

Minimum Required Auto Insurance Coverage in Lawrence, 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Auto insurance rates in Lawrence, 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 Lawrence, 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 $17,044 $17,044 $15,842 $15,842 $42,157 $42,157 $17,954 $17,954
Farmers $4,168 $4,168 $3,888 $3,888 $9,462 $9,462 $4,692 $4,692
GEICO $3,871 $3,871 $3,957 $3,957 $11,016 $11,016 $3,702 $3,702
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 $2,871 $2,677 $2,539 $2,823 $10,533 $11,260 $3,342 $3,109
State Farm $6,613 $6,613 $6,140 $6,140 $23,174 $23,174 $7,760 $7,760
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,665 $2,527 $2,506 $2,368 $6,557 $6,240 $3,256 $3,127

Cheap Lawrence, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lawrence, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $42,157 $42,157
Farmers $9,462 $9,462
GEICO $11,016 $11,016
Liberty Mutual $32,196 $32,196
Nationwide $10,508 $10,508
Progressive $10,533 $11,260
State Farm $23,174 $23,174
Travelers $13,395 $13,395
USAA $6,557 $6,240

Cheap Lawrence, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lawrence, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,842 $15,842
Farmers $3,888 $3,888
GEICO $3,957 $3,957
Liberty Mutual $13,578 $13,578
Nationwide $3,505 $3,505
Progressive $2,539 $2,823
State Farm $6,140 $6,140
Travelers $3,858 $3,858
USAA $2,506 $2,368

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

Annual Lawrence, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,305 $15,118 $50,741 $15,832
Farmers $4,662 $5,948 $5,870 $5,730
GEICO $1,971 $4,198 $12,718 $3,659
Liberty Mutual $12,709 $15,412 $28,745 $16,333
Nationwide $4,779 $6,351 $5,780 $5,371
Progressive $4,160 $5,445 $4,895 $5,077
State Farm $6,946 $8,329 $18,009 $10,403
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,939 $3,669 $4,811 $3,204

Cheap Lawrence, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lawrence, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $50,741
Farmers $5,870
GEICO $12,718
Liberty Mutual $28,745
Nationwide $5,780
Progressive $4,895
State Farm $18,009
Travelers $10,331
USAA $4,811

Cheap Lawrence, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lawrence, Michigan

Insurance Company Poor Fair Good
Allstate $35,312 $19,534 $14,901
Farmers $7,306 $4,861 $4,490
GEICO $7,246 $5,328 $4,336
Liberty Mutual $28,944 $16,719 $9,237
Nationwide $6,950 $5,268 $4,492
Progressive $5,636 $4,754 $4,293
State Farm $17,708 $8,965 $6,092
Travelers $6,813 $6,608 $6,525
USAA $5,473 $3,119 $2,376

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Lawrence, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lawrence, Michigan

ZIP Code Average Annual Rates
49064 $6,565

Cheap Lawrence, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lawrence, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $23,249 $23,249
Farmers $5,552 $5,552
GEICO $5,509 $5,764
Liberty Mutual $17,672 $18,928
Nationwide $5,570 $5,570
Progressive $4,894 $4,894
State Farm $10,626 $11,217
Travelers $6,611 $6,686
USAA $3,614 $3,698

Cheap Lawrence, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lawrence, Michigan

Insurance Company Low Medium High
Allstate $22,602 $23,307 $23,838
Farmers $5,407 $5,539 $5,711
GEICO $5,258 $5,585 $6,067
Liberty Mutual $17,826 $18,254 $18,820
Nationwide $5,814 $5,480 $5,417
Progressive $4,752 $4,900 $5,030
State Farm $10,367 $10,990 $11,408
Travelers $6,575 $6,656 $6,715
USAA $3,544 $3,665 $3,758

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Lawrence, Michigan

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

Best Annual Auto Insurance Rates by Company in Lawrence, 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 Lawrence, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lawrence, Michigan

Insurance Company Average Annual Rates
Allstate $23,249
Farmers $5,552
GEICO $5,636
Liberty Mutual $18,300
Nationwide $5,570
Progressive $4,894
State Farm $10,922
Travelers $6,649
USAA $3,656

What affects auto insurance rates in Lawrence, Michigan?

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

Lawrence Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lawrence, Michigan commute length is 23.9 minutes according to City-Data.

Lawrence Traffic

How does Lawrence, Michigan rank for traffic? According to Inrix Lawrence, Michigan is the 267th most congested worldwide.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Lawrence, Michigan Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption