Cheapest Car Insurance Quotes in Lake Michigan Beach

Finding the cheapest car insurance quotes in Lake Michigan Beach shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Lake Michigan Beach Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Lake Michigan Beach

The car insurance rate in Lake Michigan Beach is $1112 for a six-month policy, which is $212 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $414, making it a popular choice for budget-conscious drivers. Rates in Lake Michigan Beach can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Lake Michigan Beach

$1112

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Lake Michigan Beach

1st place: Travelers

At $414 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $529 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $574 for six months, making it the third cheapest auto insurance company in Lake Michigan Beach.

Lake Michigan Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Michigan Beach, MI is Travelers, offering policies at just $414 for a six-month term. This is followed by USAA, which has an average six-month premium of $529.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $684 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Michigan Beach drivers find the best deals.

Cheap Car Insurance Companies in Lake Michigan Beach, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$414	$70
USAA	$529	$89
Encompass	$574	$97
Auto-Owners Insurance Co	$589	$98
Chubb	$619	$105
Farm Bureau Ins of MI	$728	$122
Auto-Owners	$764	$129
AAA	$769	$129
Pioneer State Mutual Ins Co	$793	$135
Progressive	$813	$137
Westfield	$988	$166
Farm Bureau	$1412	$235
Pioneer State Mutual	$1537	$261
State Farm	$1641	$276
Frankenmuth	$1746	$297
Bristol West	$1971	$328
Allstate	$1512	$257
Farmers	$3063	$521
Hastings Mutual	$684	$114

Key Takeaways

Way's key takeaways about car insurance in Lake Michigan Beach

The auto insurance costs in Lake Michigan Beach fall around $414 for six months.
The cheapest auto insurance company in Lake Michigan Beach is Travelers.
Teen drivers pay the highest rate in Lake Michigan Beach at $811 per month.

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Cheapest Minimum Liability Car Insurance in Lake Michigan Beach

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Lake Michigan Beach are given below.

Travelers provides the cheapest minimum car insurance coverage in Lake Michigan Beach. Their Average 6 Month Premium is $175. Farmers is the most expensive at $1592 for the same period.

Cheapest Liability Coverage in Lake Michigan Beach, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$175	$29
Westfield	$185	$31
USAA	$219	$37
Encompass	$239	$40
Chubb	$255	$44
Auto-Owners Insurance Co	$275	$45
Auto-Owners	$304	$51
Progressive	$344	$58
AAA	$349	$60
Farm Bureau Ins of MI	$354	$59
Farm Bureau	$444	$76
Pioneer State Mutual	$449	$75
Frankenmuth	$529	$90
State Farm	$818	$138
Bristol West	$823	$140
Allstate	$643	$109
Farmers	$1592	$265

Cheapest Full Coverage Car Insurance in Lake Michigan Beach

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Lake Michigan Beach is Travelers at $70 per month and $414 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Michigan Beach, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$414	$70
USAA	$529	$89
Encompass	$574	$97
Auto-Owners Insurance Co	$589	$98
Chubb	$619	$105
Farm Bureau Ins of MI	$728	$122
Auto-Owners	$764	$129
AAA	$769	$129
Pioneer State Mutual Ins Co	$793	$135
Progressive	$813	$137
Westfield	$988	$166
Farm Bureau	$1412	$235
Pioneer State Mutual	$1537	$261
State Farm	$1641	$276
Frankenmuth	$1746	$297
Bristol West	$1971	$328
Allstate	$1512	$257
Farmers	$3063	$521
Hastings Mutual	$684	$114

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Average Car Insurance in Lake Michigan Beach by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Lake Michigan Beach, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Michigan Beach, Michigan, may be increasing due to several external factors. Michigan has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Lake Michigan Beach's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lake Michigan Beach

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Lake Michigan Beach,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Lake Michigan Beach at $34 per month. At $4869 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$205	$34
Westfield	$219	$37
Encompass	$239	$40
Chubb	$285	$49
Auto-Owners Insurance Co	$299	$50
Grange	$389	$66
USAA	$843	$142
Auto-Owners	$1058	$178
AAA	$1373	$231
Progressive	$1936	$326
Farm Bureau	$2305	$384
Pioneer State Mutual	$2704	$459
Frankenmuth	$3223	$538
State Farm	$4531	$770
Allstate	$3273	$557
Farmers	$14051	$2389
Bristol West	$4869	$811

Teen Car Insurance Rates in MI by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Lake Michigan Beach, Travelers is the cheapest car insurance provider. At $334 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Lake Michigan Beach is Farm Bureau Ins of MI, offering rates of around $1058 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$334	$55
Encompass	$344	$59
Progressive	$484	$81
Westfield	$509	$87
Auto-Owners Insurance Co	$539	$90
Pioneer State Mutual Ins Co	$659	$112
Grange	$833	$139
Farm Bureau Ins of MI	$1058	$180

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Car Insurance Rates with An Accident in Lake Michigan Beach

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Lake Michigan Beach, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Michigan Beach

The cheapest car insurance companies after an at-fault accident in Lake Michigan Beach include Chubb and Westfield, offering $255 and $270, respectively. Pioneer State is an expensive provider with an average six-month premium of $399.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$255	$44
Westfield	$270	$45
Auto-Owners Insurance Co	$314	$54
Encompass	$354	$59
Farm Bureau Ins of MI	$419	$71
Pioneer State Mutual Ins Co	$464	$77
Travelers	$494	$83
USAA	$643	$108
Progressive	$764	$129
Auto-Owners	$888	$150
AAA	$1058	$178
Farm Bureau	$1726	$288
Pioneer State Mutual	$1841	$313
State Farm	$2081	$347
Frankenmuth	$2245	$382
Allstate	$2410	$402
Farmers	$4306	$732
Pioneer State	$399	$66

Lake Michigan Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Michigan Beach MI. For example, the car insurance in Lake Michigan Beach after a DUI increases to $2016 for a six month policy. While the rate increases by $1098 for a six-month policy in the case of a speeding ticket.

Lake Michigan Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1098	$183
Failure to wear a seat belt	$1302	$222
Cell phone violation	$1382	$230
Texting while driving	$1382	$235
Illegal turn	$1387	$231
Wrong way/wrong lane	$1387	$236
Speeding in school zone	$1407	$234
Driving with expired registration	$1417	$241
Failure to stop at a red light	$1432	$239
Improper passing	$1432	$244
Speeding 16 - 20 MPH over limit	$1592	$265
Open container	$1876	$319
Driving with a suspended license	$2101	$350
Racing	$2709	$460
Reckless driving	$2944	$491
Leaving scene of an accident/hit and run	$3019	$513
DUI	$3114	$519

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Lake Michigan Beach after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Lake Michigan Beach.

The cheapest car insurance premiums in Lake Michigan Beach are offered by Chubb at $255 for a six-month policy. However, it can be as expensive as $7863 with companies like Allstate.

Lake Michigan Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$255	$42
Auto-Owners Insurance Co	$674	$114
Grange	$679	$113
Farmers	$689	$117
Progressive	$759	$128
Pioneer State Mutual Ins Co	$818	$139
USAA	$908	$153
Travelers	$1003	$171
Auto-Owners	$1622	$273
Westfield	$1651	$278
AAA	$1821	$307
Bristol West	$2335	$397
Pioneer State Mutual	$2939	$490
Farm Bureau	$3457	$588
State Farm	$4276	$720
Frankenmuth	$7739	$1316
Allstate	$7863	$1310

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Lake Michigan Beach are offered by Westfield at $219. However, it can be as expensive as $9925 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lake Michigan Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$219	$37
Chubb	$255	$42
Encompass	$270	$46
Travelers	$329	$55
Auto-Owners Insurance Co	$349	$60
Farm Bureau Ins of MI	$499	$83
Grange	$529	$90
Auto-Owners	$664	$111
USAA	$679	$115
AAA	$858	$143
Farm Bureau	$888	$151
Pioneer State Mutual	$978	$163
Progressive	$998	$168
Frankenmuth	$1597	$266
State Farm	$2904	$494
Allstate	$1971	$335
Farmers	$9925	$1688

Car Insurance Price Trends in Lake Michigan Beach, Michigan

Car insurance rates in Lake Michigan Beach have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lake Michigan Beach dipped by $176 in January compared to $225 of December. In other words, there has been an decrease by $49 when you compare January and December.

The average cost of liability insurance in the Lake Michigan Beach dipped to $62 in January, compared to $75 in December. This represents an decrease of $13 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lake Michigan Beach?

The car insurance in Lake Michigan Beach is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Michigan Beach?

The cheapest car insurance in Lake Michigan Beach is $70 per month for full coverage.

How much is car insurance in Lake Michigan Beach for teenagers?

Car insurance for teenagers costs $205 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Lake Michigan Beach?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $187 per month to insure your car in Lake Michigan Beach.

Is car insurance expensive in Lake Michigan Beach?

Car insurance can be expensive in Lake Michigan Beach if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lake Michigan Beach can be affordable.

Cheapest Car Insurance Quotes in Lake Michigan Beach

Why you can trust Way?

How Much Is Car Insurance in Lake Michigan Beach

Avg. Car Insurance in Lake Michigan Beach

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Lake Michigan Beach

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Lake Michigan Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Michigan Beach, MI

Way's key takeaways about car insurance in Lake Michigan Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Michigan Beach

Cheapest Liability Coverage in Lake Michigan Beach, MI

Cheapest Full Coverage Car Insurance in Lake Michigan Beach

Cheapest Full Coverage Car Insurance Quotes in Lake Michigan Beach, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Michigan Beach by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Lake Michigan Beach, MI increasing?

Car Insurance Premiums by Age in Lake Michigan Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Michigan Beach,MI

If you are in your twenties N/A is the best choice for car insurance in Lake Michigan Beach.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Lake Michigan Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Michigan Beach

Lake Michigan Beach Car Insurance Rates by Violation

Lake Michigan Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Michigan Beach after a DUI

Lake Michigan Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Michigan Beach after Speeding ticket

Car Insurance Price Trends in Lake Michigan Beach, Michigan

Average Car Insurance Cost in Lake Michigan Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Michigan Beach, MI

Car Insurance Rates by State in the USA (2025 Update)

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