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 Orchard Lake Village, MI
We monitor insurance prices, helping the average driver in Orchard Lake Village save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Orchard Lake Village
The chart below shows the cheapest car insurance company in Orchard Lake Village 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.
| Orchard Lake Village Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $123 |
| Progressive | $141 |
| State Farm | $142 |
| Safeco Insurance | $150 |
Savings for Every Kind of Orchard Lake Village Driver
Based on our extensive insurance data, we know the average Orchard Lake Village 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 $1,337 per year by choosing the right vehicle insurance company. Some Orchard Lake Village residents are paying out over $3,328 extra every year for auto insurance in Orchard Lake Village. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Orchard Lake Village, MI Savings / Yr. |
|---|---|
$1,337 |
|
$2,184 |
|
$1,932 |
|
$2,937 |
|
$3,465 |
|
$0 |
|
$0 |
Orchard Lake Village Car Insurance vs. Michigan
People living in Orchard Lake Village pay an average of 14.80% more than the typical driver in the state. The average driver in Orchard Lake Village can expect to pay about $2,528 per year, or $3,328 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Orchard Lake Village for most people.
Car Insurance Prices by Orchard Lake Village Neighborhood
Insurance Prices
Where is insurance cheapest within Orchard Lake Village?
The map shows insurance prices in and around Orchard Lake Village, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $80 per year within the city boundaries, with insurance premiums ranging from a high of $3,376 to a low of $3,296. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of Orchard Lake Village.Pick the Best Car Insurance Company for You in Orchard Lake Village
The best car insurance provider for most drivers in Orchard Lake Village
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,337 over the average Orchard Lake Village car insurance company.
The best car insurance provider for Orchard Lake Village 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 $2,184 over the competition.
The best car insurance company for Orchard Lake Village drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,932 better than other car insurance companies.
The best auto insurance for Orchard Lake Village drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,937 less each year.
The least expensive car insurance company for new and young drivers in Orchard Lake Village
In Orchard Lake Village, Geico costs young drivers $3,465 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Orchard Lake Village
The cheapest car insurance in Orchard Lake Village for drivers with bad credit
The best Orchard Lake Village car insurance company for customer service
Nationwide was the best company for customer service in Orchard Lake Village according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Orchard Lake Village, which was better than other insurers.
The cheapest large national provider in Orchard Lake Village
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Orchard Lake Village 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 Orchard Lake Village, 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 Orchard Lake Village
What Influences the Cost of Car Insurance in Orchard Lake Village?
On average, car insurance in Orchard Lake Village 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 Orchard Lake Village is 35 minutes, which is a little 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 C according to CrimeGrade.org.
- Orchard Lake Village 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 Orchard Lake Village is $211 per month for minimum coverage and $277 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
- West Bloomfield: Insurance costs 3.73% less
- Keego Harbor: Insurance costs 7.30% less
- Sylvan Lake: Insurance costs 5.68% less
- Waterford: Insurance costs 7.06% less
- Walled Lake: Insurance costs 8.50% less
- Bloomfield Hills: Insurance costs 6.94% less
- Wolverine Lake: Insurance costs 10.52% less
- Franklin: Insurance costs 8.38% less
- Commerce Township: Insurance costs 9.47% less
- Pontiac: Insurance costs 4.63% more
Cities with Similar Populations
- Atlantic Beach: Insurance costs 14.18% less
- Coaldale: Insurance costs 59.22% less
- Colton: Insurance costs 52.19% less
- Concho: Insurance costs 48.20% less
- Crocker: Insurance costs 46.72% less
- Locust Fork: Insurance costs 52.79% less
- Osyka: Insurance costs 48.83% less
- Ortonville: Insurance costs 52.28% less
- North Rock Springs: Insurance costs 53.52% less
- New Durham: Insurance costs 63.10% less