Buy Cheap Lake, MI Auto Insurance (2022)

Lake, MI auto insurance rates average $791 a month. Minimum auto insurance requirements in Lake, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Lake, MI, compare Lake auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Lake, MI for teens drivers are $17,890/year
  • Average auto insurance rates in Lake, MI are $791/month
  • Average auto insurance rates in Lake, MI after a DUI are $15,450/year

Finding affordable Lake, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Lake, MI auto insurance with confidence is right here. Auto insurance rates in Lake are affected by local factors as well as personal ones like your driving record.

See how Lake, MI car insurance rates compare to Grand Rapids auto insurance rates, Sterling Heights auto insurance rates, and Ann Arbor auto insurance rates before you read more about the cost of auto insurance in Lake.

Don’t buy Lake, MI auto insurance until you’ve compared rates. Get free Lake, Michigan auto insurance quotes when you enter your ZIP code above.

Lake, MI Minimum Auto Insurance Requirements

The required auto insurance in Lake, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Lake, Michigan is outlined here.

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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Find Cheap Lake, MI Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Lake, MI. Take a look at Lake, Michigan auto insurance rates by credit history.

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

Buy Cheap Lake, MI Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Lake, Michigan auto insurance rates? Find out how car insurance rates in Lake, MI are impacted by demographics.

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

Buy Cheap Lake, MI Auto Insurance for Teen Drivers

Auto insurance for teenagers in Lake can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lake, MI are listed here.

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

Buy Cheap Lake, MI Auto Insurance for Seniors

You can save on senior auto insurance rates in Lake, Michigan by comparing Lake senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lake, MI here.

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

Find Cheap Auto Insurance Rates in Lake, MI by Coverage Level

The amount of coverage you choose is a big factor in the cost of Lake, Michigan auto insurance. Compare Lake, MI 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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Find Cheap Lake, MI Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Lake. Compare auto insurance rates in Lake, MI by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Lake, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Lake, MI Auto Insurance Rates by Driving Record

Auto insurance rates in Lake, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lake, MI, take a look at the average cost for various violations versus rates for a clean driving record in Lake.

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

Find Cheap Lake, MI Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lake, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Lake for less when you shop around and compare rates from multiple Lake, MI auto insurance companies.

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

Winners by Category: Where to Buy Cheap Auto Insurance in Lake, MI

Compare rates from the cheapest auto insurance companies in Lake, MI for your needs. Take a look at how Lake, Michigan auto insurance companies stack up for each category.

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

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Find Cheap Lake, Michigan Auto Insurance Companies

If you’re looking for the cheapest Lake, MI auto insurance companies overall, you can compare them here. Find the best price for Lake, Michigan car insurance by company.

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 Lake, Michigan auto insurance rates?

Local factors affect auto insurance rates in Lake, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Lake auto insurance rates.

Commute Times in Lake

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lake, MI is 31.6 minutes according to City-Data.

Traffic in Lake

How is traffic in Lake, Michigan? Inrix data shows that Lake, MI traffic makes it the 497th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Lake, MI

You can buy cheap Lake, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lake, Michigan auto insurance quotes from top companies.

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