Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Lum, MI
We monitor insurance prices, helping the average driver in Lum save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Lum
The chart below shows the cheapest car insurance company in Lum 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.
| Lum Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $110 |
| Progressive | $125 |
| State Farm | $126 |
| Safeco Insurance | $133 |
Savings for Every Kind of Lum Driver
Based on our extensive insurance data, we know the average Lum 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 Lum residents are paying out over $2,959 extra every year for auto insurance in Lum. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lum, MI Savings / Yr. |
|---|---|
$1,189 |
|
$1,941 |
|
$1,718 |
|
$2,611 |
|
$3,080 |
|
$0 |
|
$0 |
Lum Car Insurance vs. Michigan
People living in Lum pay an average of 2.06% more than the typical driver in the state. The average driver in Lum can expect to pay about $2,247 per year, or $2,959 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Lum for most people.
Car Insurance Prices by Lum Neighborhood
Insurance Prices
Where is insurance cheapest within Lum?
The map shows insurance prices in and around Lum, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $66 per year within the city boundaries, with insurance premiums ranging from a high of $2,990 to a low of $2,924. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Lum.Pick the Best Car Insurance Company for You in Lum
The best car insurance provider for most drivers in Lum
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 Lum car insurance company.
The best car insurance provider for Lum 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 $1,941 over the competition.
The best car insurance company for Lum 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 Lum drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,611 less each year.
The least expensive car insurance company for new and young drivers in Lum
In Lum, Geico costs young drivers $3,080 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lum
The cheapest car insurance in Lum for drivers with bad credit
The best Lum car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lum
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Lum 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 Lum, 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 Lum
What Influences the Cost of Car Insurance in Lum?
On average, car insurance in Lum 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 Lum is 46 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 low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Lum 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 Lum 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
- Attica: Insurance costs 0.07% less
- Imlay City: Insurance costs 3.89% more
- Five Lakes: Insurance costs 0.07% more
- Hunters Creek: Insurance costs 0.88% less
- North Branch: Insurance costs 0.20% more
- Burnside: Insurance costs 0.30% less
- Barnes Lake-Millers Lake: Insurance costs 0.03% more
- Lapeer: Insurance costs 0.03% more
- Dryden: Insurance costs 1.28% more
- Thornville: Insurance costs 0.74% more
Cities with Similar Populations
- Alma: Insurance costs 37.24% less
- Anna Maria: Insurance costs 7.30% less
- Arcadia Lakes: Insurance costs 40.01% less
- Ashkum: Insurance costs 54.21% less
- Ashland: Insurance costs 42.89% less
- Baker Ridge: Insurance costs 51.50% less
- Bellefonte: Insurance costs 30.75% less
- Bevil Oaks: Insurance costs 44.81% less
- Big River: Insurance costs 35.72% less
- Big Springs: Insurance costs 42.51% less