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Get Cheap Car Insurance in Lapeer, MI
We monitor insurance prices, helping the average driver in Lapeer save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Lapeer
The chart below shows the cheapest car insurance company in Lapeer 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.
| Lapeer Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $110 |
| Progressive | $125 |
| State Farm | $126 |
| Safeco Insurance | $133 |
Savings for Every Kind of Lapeer Driver
Based on our extensive insurance data, we know the average Lapeer 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 $1,189 per year by choosing the right vehicle insurance company. Some Lapeer residents are paying out over $2,960 extra every year for auto insurance in Lapeer. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lapeer, MI Savings / Yr. |
|---|---|
$1,189 |
|
$1,942 |
|
$1,718 |
|
$2,612 |
|
$3,081 |
|
$0 |
|
$0 |
Lapeer Car Insurance vs. Michigan
People living in Lapeer pay an average of 2.10% more than the typical driver in the state. The average driver in Lapeer can expect to pay about $2,248 per year, or $2,960 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Lapeer for most people.
Car Insurance Prices by Lapeer Neighborhood
Insurance Prices
Where is insurance cheapest within Lapeer?
The map shows insurance prices in and around Lapeer, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $627 per year within the city boundaries, with insurance premiums ranging from a high of $3,485 to a low of $2,858. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Central parts of Lapeer.Pick the Best Car Insurance Company for You in Lapeer
The best car insurance provider for most drivers in Lapeer
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,189 over the average Lapeer car insurance company.
The best car insurance provider for Lapeer 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 Lapeer drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,718 better than other car insurance companies.
The best auto insurance for Lapeer 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 Lapeer
In Lapeer, Geico costs young drivers $3,081 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lapeer
The cheapest car insurance in Lapeer for drivers with bad credit
The best Lapeer car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lapeer
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Lapeer 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 Lapeer, 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 Lapeer
What Influences the Cost of Car Insurance in Lapeer?
On average, car insurance in Lapeer 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 Lapeer is 39 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 high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Lapeer is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Lapeer 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
- Hunters Creek: Insurance costs 0.91% less
- Columbiaville: Insurance costs 0.14% less
- Five Lakes: Insurance costs 0.03% more
- Metamora: Insurance costs 0.27% less
- Hadley: Insurance costs 0.27% more
- Attica: Insurance costs 0.10% less
- Richfield Center: Insurance costs 0.84% less
- Barnes Lake-Millers Lake: Insurance costs the same
- Thornville: Insurance costs 0.71% more
- Davison: Insurance costs 2.47% less
Cities with Similar Populations
- Amelia: Insurance costs 61.82% less
- Bayonet Point: Insurance costs 7.26% less
- Batavia: Insurance costs 49.97% less
- Barberton: Insurance costs 62.30% less
- Baldwin: Insurance costs 6.22% more
- Balch Springs: Insurance costs 31.99% less
- Austintown: Insurance costs 62.47% less
- Austin: Insurance costs 45.91% less
- Argyle: Insurance costs 43.51% less
- Angleton: Insurance costs 42.87% less