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Get Cheap Car Insurance in Five Lakes, MI
We monitor insurance prices, helping the average driver in Five Lakes save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Five Lakes
The chart below shows the cheapest car insurance company in Five Lakes for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| Five Lakes Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $110 |
| Progressive | $125 |
| State Farm | $126 |
| Safeco Insurance | $133 |
Savings for Every Kind of Five Lakes Driver
Based on our extensive insurance data, we know the average Five Lakes driver will save about 40% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $1,190 per year by choosing the right vehicle insurance company. Some Five Lakes residents are paying out over $2,961 extra every year for auto insurance in Five Lakes. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Five Lakes, MI Savings / Yr. |
|---|---|
$1,190 |
|
$1,942 |
|
$1,719 |
|
$2,612 |
|
$3,082 |
|
$0 |
|
$0 |
Five Lakes Car Insurance vs. Michigan
People living in Five Lakes pay an average of 2.13% more than the typical driver in the state. The average driver in Five Lakes can expect to pay about $2,249 per year, or $2,961 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Five Lakes for most people.
Car Insurance Prices by Five Lakes Neighborhood
Insurance Prices
Where is insurance cheapest within Five Lakes?
The map shows insurance prices in and around Five Lakes, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $60 per year within the city boundaries, with insurance premiums ranging from a high of $2,984 to a low of $2,924. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the East parts of Five Lakes.Pick the Best Car Insurance Company for You in Five Lakes
The best car insurance provider for most drivers in Five Lakes
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,190 over the average Five Lakes car insurance company.
The best car insurance provider for Five Lakes drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $1,942 over the competition.
The best car insurance company for Five Lakes drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,719 better than other car insurance companies.
The best auto insurance for Five Lakes drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,612 less each year.
The least expensive car insurance company for new and young drivers in Five Lakes
In Five Lakes, Geico costs young drivers $3,082 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Five Lakes
The cheapest car insurance in Five Lakes for drivers with bad credit
The best Five Lakes car insurance company for customer service
Nationwide was the best company for customer service in Five Lakes according to the NAIC.
Recent price drops
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The cheapest large national provider in Five Lakes
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Five Lakes driver can expect to pay about $163 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Five Lakes, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around Five Lakes
What Influences the Cost of Car Insurance in Five Lakes?
On average, car insurance in Five Lakes is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Five Lakes is 44 minutes, which is far more than average for a driver in the state.
- Michigan state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Five Lakes is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Five Lakes is $187 per month for minimum coverage and $247 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Barnes Lake-Millers Lake: Insurance costs 0.03% less
- North Branch: Insurance costs 0.14% more
- Lum: Insurance costs 0.07% less
- Hunters Creek: Insurance costs 0.95% less
- Columbiaville: Insurance costs 0.17% less
- Lapeer: Insurance costs 0.03% less
- Attica: Insurance costs 0.14% less
- Fostoria: Insurance costs 1.01% more
- Otter Lake: Insurance costs 0.74% more
- Burnside: Insurance costs 0.37% less
Cities with Similar Populations
- Dyke: Insurance costs 60.25% less
- Urbandale: Insurance costs 7.84% less
- Truman: Insurance costs 47.75% less
- Clements: Insurance costs 38.50% less
- Colville: Insurance costs 30.46% less
- Trout: Insurance costs 0.10% less
- Tornado: Insurance costs 48.77% less
- Tok: Insurance costs 52.96% less
- Tetonia: Insurance costs 62.17% less
- Daniel: Insurance costs 51.98% less