Cheapest Car Insurance Quotes in Lake Michigan Beach

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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 $1011 for a six-month policy, which is $192 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

$1011

Avg. Car Insurance in Michigan

$1203

National Average

$1140

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 $519 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 $519.

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	$519	$87
Encompass	$574	$96
Auto-Owners Insurance Co	$589	$100
Chubb	$619	$103
Auto-Owners	$694	$117
AAA	$708	$119
Farm Bureau Ins of MI	$728	$123
Pioneer State Mutual Ins Co	$793	$132
Progressive	$793	$134
Westfield	$988	$166
Farm Bureau	$1113	$189
State Farm	$1417	$239
Allstate	$1512	$257
Bristol West	$1971	$328
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.

High Rates Shouldn’t Drive You Out of Pocket.

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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. Hastings Mutual is the most expensive at $299 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	$234	$39
Encompass	$239	$40
Chubb	$255	$42
Auto-Owners Insurance Co	$275	$47
Auto-Owners	$324	$55
Farm Bureau Ins of MI	$354	$60
Progressive	$365	$61
AAA	$434	$74
Farm Bureau	$549	$92
Allstate	$643	$109
Bristol West	$823	$137
State Farm	$883	$149
Farmers	$1592	$265
Hastings Mutual	$299	$50

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	$519	$87
Encompass	$574	$96
Auto-Owners Insurance Co	$589	$100
Chubb	$619	$103
Auto-Owners	$694	$117
AAA	$708	$119
Farm Bureau Ins of MI	$728	$123
Pioneer State Mutual Ins Co	$793	$132
Progressive	$793	$134
Westfield	$988	$166
Farm Bureau	$1113	$189
State Farm	$1417	$239
Allstate	$1512	$257
Bristol West	$1971	$328
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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$234
30s	USAA	$178
40s	USAA	$171
50s	USAA	$164
60s	Chubb	$150
70s	Chubb	$164

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	$789	$133
Auto-Owners	$943	$159
AAA	$1257	$212
Farm Bureau	$1811	$308
Progressive	$1941	$327
Allstate	$3273	$557
State Farm	$3358	$559
Farmers	$14051	$2389
Bristol West	$4869	$811

Teen Car Insurance Rates in MI by Age

Way Tip

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

As young drivers face the highest rates in Lake Michigan Beach, Chubb offers the cheapest auto insurance rates at $234 for six months.

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	$57
Encompass	$344	$57
Progressive	$484	$82
Westfield	$509	$85
Auto-Owners Insurance Co	$539	$92
Pioneer State Mutual Ins Co	$659	$110
Grange	$833	$142
Farm Bureau Ins of MI	$1058	$176

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Lake Michigan Beach.

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	$619	$104
Progressive	$684	$115
Auto-Owners	$764	$129
AAA	$978	$165
Farm Bureau	$1362	$227
State Farm	$1551	$264
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
Progressive	$723	$122
Pioneer State Mutual Ins Co	$818	$136
USAA	$883	$149
Travelers	$1003	$167
Auto-Owners	$1517	$255
Westfield	$1651	$278
AAA	$1706	$287
Bristol West	$2335	$389
Farmers	$2395	$403
Farm Bureau	$2834	$472
State Farm	$3567	$601
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
USAA	$519	$88
Grange	$529	$88
Auto-Owners	$728	$123
Progressive	$1068	$180
AAA	$1083	$184
Farm Bureau	$1088	$181
Allstate	$1971	$335
State Farm	$3308	$551
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 $225 in December compared to $231 of November. In other words, there has been an decrease by $6 when you compare December and November.

The average cost of liability insurance in the Lake Michigan Beach rose to $75 in December, compared to $69 in November. This represents an increase of $6 when comparing December and November.

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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 $1203 for a six-month policy. It will cost around $170 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 Chubb 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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