Buy Cheap Lakeland, MI Auto Insurance (2022)

Lakeland, MI auto insurance rates average $783 a month. Minimum auto insurance requirements in Lakeland, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Lakeland, MI, compare Lakeland 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

  • The most expensive auto insurance company in Lakeland is Allstate
  • Average auto insurance rates in Lakeland, MI for teens drivers are $17,679/year
  • The most expensive auto insurance company in Lakeland after a DUI is Allstate

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

See how Lakeland, MI car insurance rates compare to Detroit auto insurance rates, Grand Rapids auto insurance rates, and Warren auto insurance rates before you read more about the cost of auto insurance in Lakeland.

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

Lakeland, MI Minimum Auto Insurance Requirements

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

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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Find Cheap Lakeland, MI Auto Insurance by Credit History

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

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

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

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

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

Buy Cheap Lakeland, MI Auto Insurance for Teen Drivers

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

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

Buy Cheap Lakeland, MI Auto Insurance for Seniors

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

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

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

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

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

Annual Auto Insurance Rates by Commute Length in Lakeland, Michigan

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

Find Cheap Lakeland, MI Auto Insurance Rates by Driving Record

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

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

Find Cheap Lakeland, MI Auto Insurance Rates After a DUI

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

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

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

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

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

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Find Cheap Lakeland, Michigan Auto Insurance Companies

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

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 Lakeland, Michigan auto insurance rates?

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

Traffic in Lakeland

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

Compare Auto Insurance Quotes in Lakeland, MI

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

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