Buy Cheap Livonia, MI Auto Insurance (2022)

Livonia, MI auto insurance rates average $938 a month. Minimum auto insurance requirements in Livonia, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Livonia, MI, compare Livonia 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 Livonia, MI for teens drivers are $21,259/year
  • The most expensive auto insurance company in Livonia after a DUI is Allstate
  • Average auto insurance rates in Livonia, MI after a DUI are $18,796/year

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

See how Livonia, MI car insurance rates compare to Ann Arbor auto insurance rates, Warren auto insurance rates, and Lansing auto insurance rates before you read more about the cost of auto insurance in Livonia.

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

Livonia, MI Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Livonia, 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 Livonia, MI Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Livonia, Michigan

Insurance Company Poor Fair Good
Allstate $34,807 $19,314 $14,887
Farmers $11,701 $6,311 $5,833
GEICO $12,481 $9,139 $7,409
Liberty Mutual $31,744 $18,336 $10,128
Nationwide $9,492 $7,128 $6,039
Progressive $6,692 $5,616 $5,032
State Farm $20,318 $10,283 $6,985
Travelers $11,437 $11,087 $10,945
USAA $5,372 $3,069 $2,343

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Livonia, 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 $16,636 $16,636 $15,397 $15,397 $42,432 $42,432 $17,546 $17,546
Farmers $6,155 $6,155 $5,701 $5,701 $12,998 $12,998 $6,939 $6,939
GEICO $6,969 $6,969 $7,101 $7,101 $18,022 $18,022 $6,613 $6,613
Liberty Mutual $15,103 $15,103 $14,957 $14,957 $35,114 $35,114 $15,103 $15,103
Nationwide $5,308 $5,308 $4,707 $4,707 $14,355 $14,355 $5,841 $5,841
Progressive $3,412 $3,132 $3,012 $3,401 $12,520 $13,220 $3,960 $3,582
State Farm $7,509 $7,509 $7,007 $7,007 $26,774 $26,774 $8,825 $8,825
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $2,609 $2,476 $2,457 $2,322 $6,468 $6,163 $3,192 $3,068

Buy Cheap Livonia, MI Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Livonia, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $42,432 $42,432
Farmers $12,998 $12,998
GEICO $18,022 $18,022
Liberty Mutual $35,114 $35,114
Nationwide $14,355 $14,355
Progressive $12,520 $13,220
State Farm $26,774 $26,774
Travelers $22,645 $22,645
USAA $6,468 $6,163

Buy Cheap Livonia, MI Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Livonia, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,397 $15,397
Farmers $5,701 $5,701
GEICO $7,101 $7,101
Liberty Mutual $14,957 $14,957
Nationwide $4,707 $4,707
Progressive $3,012 $3,401
State Farm $7,007 $7,007
Travelers $6,400 $6,400
USAA $2,457 $2,322

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

The amount of coverage you choose is a big factor in the cost of Livonia, Michigan auto insurance. Compare Livonia, MI auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Livonia, Michigan

Insurance Company Low Medium High
Allstate $22,429 $23,054 $23,525
Farmers $7,675 $7,919 $8,250
GEICO $9,085 $9,586 $10,357
Liberty Mutual $19,583 $20,022 $20,602
Nationwide $7,891 $7,429 $7,338
Progressive $5,590 $5,786 $5,964
State Farm $11,858 $12,611 $13,117
Travelers $11,055 $11,166 $11,247
USAA $3,468 $3,605 $3,710

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Find Cheap Livonia, MI Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Livonia, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $23,003 $23,003
Farmers $7,948 $7,948
GEICO $9,452 $9,900
Liberty Mutual $19,389 $20,749
Nationwide $7,553 $7,553
Progressive $5,780 $5,780
State Farm $12,186 $12,871
Travelers $11,092 $11,221
USAA $3,554 $3,635

Find Cheap Livonia, MI Auto Insurance Rates by ZIP Code

Auto insurance rates in Livonia, Michigan can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Livonia, MI to see how much where you live in Livonia affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Livonia, Michigan

ZIP Code Average Annual Rates
48150 $8,042
48152 $8,205
48154 $7,914

Find Cheap Livonia, MI Auto Insurance Rates by Driving Record

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

Annual Livonia, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,126 $14,836 $50,395 $15,653
Farmers $6,649 $8,545 $8,412 $8,187
GEICO $3,387 $7,171 $21,883 $6,264
Liberty Mutual $13,740 $16,816 $31,939 $17,782
Nationwide $6,442 $8,657 $7,843 $7,269
Progressive $4,872 $6,458 $5,795 $5,996
State Farm $7,869 $9,490 $20,836 $11,921
Travelers $7,561 $10,789 $17,326 $8,948
USAA $2,889 $3,607 $4,733 $3,149

Find Cheap Livonia, MI Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Livonia, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $50,395
Farmers $8,412
GEICO $21,883
Liberty Mutual $31,939
Nationwide $7,843
Progressive $5,795
State Farm $20,836
Travelers $17,326
USAA $4,733

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

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

Best Annual Auto Insurance Rates by Company in Livonia, Michigan

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

Find Cheap Livonia, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Livonia, Michigan

Insurance Company Average Annual Rates
Allstate $23,003
Farmers $7,948
GEICO $9,676
Liberty Mutual $20,069
Nationwide $7,553
Progressive $5,780
State Farm $12,529
Travelers $11,156
USAA $3,594

What affects Livonia, Michigan auto insurance rates?

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

Auto Theft in Livonia

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Livonia, MI auto theft show a total of 110 vehicle thefts annually.

Commute Times in Livonia

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Livonia, MI is 23.7 minutes according to City-Data.

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Compare Auto Insurance Quotes in Livonia, MI

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

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