Best Cheap Auto Insurance in Orchard Lake Village, MI (2021)

The average Orchard Lake Village, MI auto insurance rates are $967 per month. The minimum auto insurance in Orchard Lake Village is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Orchard Lake Village, 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

  • Average auto insurance rates in Orchard Lake Village, MI for senior drivers are $7,571 per year
  • The most expensive auto insurance company in Orchard Lake Village for teen drivers is Allstate
  • The minimum auto insurance required in Orchard Lake Village, Michigan is 20/40/10

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

Compare auto insurance in Orchard Lake Village to other Michigan cities, including Ann Arbor auto insurance rates, Dearborn auto insurance rates, and Flint auto insurance rates to see how Orchard Lake Village, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Orchard Lake Village, Michigan

Orchard Lake Village, 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 Orchard Lake Village, Michigan.

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

Auto insurance rates in Orchard Lake Village, 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 Orchard Lake Village, 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 $15,591 $15,591 $14,338 $14,338 $41,380 $41,380 $16,476 $16,476
Farmers $7,670 $7,670 $7,069 $7,069 $17,448 $17,448 $8,688 $8,688
GEICO $5,959 $5,959 $6,113 $6,113 $16,363 $16,363 $5,671 $5,671
Liberty Mutual $16,564 $16,564 $16,402 $16,402 $38,633 $38,633 $16,564 $16,564
Nationwide $4,950 $4,950 $4,393 $4,393 $13,493 $13,493 $5,453 $5,453
Progressive $3,543 $3,260 $3,129 $3,519 $13,352 $14,193 $4,127 $3,763
State Farm $8,186 $8,186 $7,622 $7,622 $29,252 $29,252 $9,633 $9,633
Travelers $7,220 $7,220 $6,197 $6,197 $21,849 $21,849 $7,847 $7,847
USAA $2,937 $2,787 $2,759 $2,602 $7,520 $7,191 $3,618 $3,482

Cheap Orchard Lake Village, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Orchard Lake Village, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,380 $41,380
Farmers $17,448 $17,448
GEICO $16,363 $16,363
Liberty Mutual $38,633 $38,633
Nationwide $13,493 $13,493
Progressive $13,352 $14,193
State Farm $29,252 $29,252
Travelers $21,849 $21,849
USAA $7,520 $7,191

Cheap Orchard Lake Village, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Orchard Lake Village, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,338 $14,338
Farmers $7,069 $7,069
GEICO $6,113 $6,113
Liberty Mutual $16,402 $16,402
Nationwide $4,393 $4,393
Progressive $3,129 $3,519
State Farm $7,622 $7,622
Travelers $6,197 $6,197
USAA $2,759 $2,602

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

Annual Orchard Lake Village, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,647 $14,133 $48,032 $14,973
Farmers $8,518 $11,017 $10,818 $10,522
GEICO $2,928 $6,325 $19,361 $5,492
Liberty Mutual $15,105 $18,484 $35,018 $19,556
Nationwide $6,039 $8,105 $7,337 $6,807
Progressive $5,157 $6,831 $6,117 $6,338
State Farm $8,574 $10,348 $22,762 $13,008
Travelers $7,281 $10,416 $16,797 $8,619
USAA $3,295 $4,132 $5,424 $3,598

Cheap Orchard Lake Village, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Orchard Lake Village, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $48,032
Farmers $10,818
GEICO $19,361
Liberty Mutual $35,018
Nationwide $7,337
Progressive $6,117
State Farm $22,762
Travelers $16,797
USAA $5,424

Cheap Orchard Lake Village, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Orchard Lake Village, Michigan

Insurance Company Poor Fair Good
Allstate $32,949 $18,406 $14,484
Farmers $14,784 $8,235 $7,637
GEICO $10,991 $8,054 $6,535
Liberty Mutual $34,882 $20,136 $11,105
Nationwide $8,864 $6,683 $5,670
Progressive $7,054 $5,940 $5,338
State Farm $22,199 $11,215 $7,605
Travelers $11,048 $10,711 $10,575
USAA $6,175 $3,499 $2,663

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Cheap Orchard Lake Village, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Orchard Lake Village, Michigan

ZIP Code Average Annual Rates
48324 $8,302

Cheap Orchard Lake Village, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Orchard Lake Village, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $21,946 $21,946
Farmers $10,219 $10,219
GEICO $8,333 $8,720
Liberty Mutual $21,290 $22,791
Nationwide $7,072 $7,072
Progressive $6,111 $6,111
State Farm $13,305 $14,042
Travelers $10,716 $10,840
USAA $4,066 $4,159

Cheap Orchard Lake Village, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Orchard Lake Village, Michigan

Insurance Company Low Medium High
Allstate $21,287 $22,005 $22,547
Farmers $9,803 $10,171 $10,682
GEICO $7,932 $8,439 $9,209
Liberty Mutual $21,533 $21,991 $22,598
Nationwide $7,371 $6,960 $6,885
Progressive $5,919 $6,118 $6,295
State Farm $12,977 $13,759 $14,284
Travelers $10,660 $10,792 $10,882
USAA $3,988 $4,123 $4,225

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Best By Category: Cheapest Auto Insurance in Orchard Lake Village, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Orchard Lake Village, Michigan

Insurance Company Average Annual Rates
Allstate $21,946
Farmers $10,219
GEICO $8,527
Liberty Mutual $22,041
Nationwide $7,072
Progressive $6,111
State Farm $13,673
Travelers $10,778
USAA $4,112

What affects auto insurance rates in Orchard Lake Village, Michigan?

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

Orchard Lake Village Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Orchard Lake Village, Michigan commute length is 31.5 minutes according to City-Data.

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Compare Orchard Lake Village, Michigan Auto Insurance Quotes

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