Cheapest Car Insurance Quotes in Lake Orion

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Lake Orion Car Insurance

^$ 35

/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 Orion

The car insurance rate in Lake Orion is $1215 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $498, making it a popular choice for budget-conscious drivers. Rates in Lake Orion 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 Orion

$1215

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Lake Orion

1st place: Travelers

At $498 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $624 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $690 for six months, making it the third cheapest auto insurance company in Lake Orion.

Lake Orion Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Orion, MI is Travelers, offering policies at just $498 for a six-month term. This is followed by USAA, which has an average six-month premium of $624.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $822 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Orion drivers find the best deals.

Cheap Car Insurance Companies in Lake Orion, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$498	$84
USAA	$624	$105
Encompass	$690	$115
Auto-Owners Insurance Co	$708	$120
Chubb	$744	$124
Auto-Owners	$834	$140
AAA	$851	$143
Farm Bureau Ins of MI	$876	$148
Pioneer State Mutual Ins Co	$953	$159
Progressive	$953	$161
Westfield	$1188	$200
Farm Bureau	$1338	$227
State Farm	$1704	$287
Allstate	$1818	$309
Bristol West	$2369	$395
Farmers	$3683	$626
Hastings Mutual	$822	$137

Key Takeaways

Way's key takeaways about car insurance in Lake Orion

The auto insurance costs in Lake Orion fall around $498 for six months.
The cheapest auto insurance company in Lake Orion is Travelers.
Teen drivers pay the highest rate in Lake Orion at $976 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Lake Orion

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 Orion are given below.

Travelers provides the cheapest minimum car insurance coverage in Lake Orion. Their Average 6 Month Premium is $210. Hastings Mutual is the most expensive at $360 for the same period.

Cheapest Liability Coverage in Lake Orion, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$210	$35
Westfield	$222	$37
USAA	$282	$47
Encompass	$288	$48
Chubb	$306	$51
Auto-Owners Insurance Co	$330	$57
Auto-Owners	$390	$66
Farm Bureau Ins of MI	$426	$73
Progressive	$438	$74
AAA	$522	$89
Farm Bureau	$660	$110
Allstate	$774	$131
Bristol West	$990	$165
State Farm	$1062	$179
Farmers	$1914	$319
Hastings Mutual	$360	$60

Cheapest Full Coverage Car Insurance in Lake Orion

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 Orion is Travelers at $84 per month and $498 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Orion, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$498	$84
USAA	$624	$105
Encompass	$690	$115
Auto-Owners Insurance Co	$708	$120
Chubb	$744	$124
Auto-Owners	$834	$140
AAA	$851	$143
Farm Bureau Ins of MI	$876	$148
Pioneer State Mutual Ins Co	$953	$159
Progressive	$953	$161
Westfield	$1188	$200
Farm Bureau	$1338	$227
State Farm	$1704	$287
Allstate	$1818	$309
Bristol West	$2369	$395
Farmers	$3683	$626
Hastings Mutual	$822	$137

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Average Car Insurance in Lake Orion 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 Orion, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Orion, 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 Orion'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 Orion

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	$282
30s	USAA	$214
40s	USAA	$205
50s	USAA	$197
60s	Chubb	$180
70s	Chubb	$197

Cheapest Car Insurance Rates for Teen Drivers in Lake Orion,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Lake Orion at $41 per month. At $5855 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$246	$41
Westfield	$264	$44
Encompass	$288	$48
Chubb	$342	$59
Auto-Owners Insurance Co	$360	$60
Grange	$468	$80
USAA	$948	$160
Auto-Owners	$1134	$191
AAA	$1512	$255
Farm Bureau	$2178	$371
Progressive	$2334	$393
Allstate	$3936	$670
State Farm	$4038	$673
Farmers	$16894	$2872
Bristol West	$5855	$976

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 Orion.

As young drivers face the highest rates in Lake Orion, Chubb offers the cheapest auto insurance rates at $282 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 Orion, Travelers is the cheapest car insurance provider. At $402 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 Orion is Farm Bureau Ins of MI, offering rates of around $1272 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$402	$69
Encompass	$414	$69
Progressive	$582	$99
Westfield	$612	$102
Auto-Owners Insurance Co	$648	$110
Pioneer State Mutual Ins Co	$792	$132
Grange	$1002	$171
Farm Bureau Ins of MI	$1272	$212

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Lake Orion

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 Orion, MI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Lake Orion include Chubb and Westfield, offering $306 and $324, respectively. Pioneer State is an expensive provider with an average six-month premium of $480.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$306	$53
Westfield	$324	$54
Auto-Owners Insurance Co	$378	$65
Encompass	$426	$71
Farm Bureau Ins of MI	$504	$86
Pioneer State Mutual Ins Co	$558	$93
Travelers	$594	$100
USAA	$744	$125
Progressive	$822	$138
Auto-Owners	$918	$155
AAA	$1176	$198
Farm Bureau	$1638	$273
State Farm	$1865	$317
Allstate	$2898	$483
Farmers	$5177	$881
Pioneer State	$480	$80

Lake Orion Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Orion MI. For example, the car insurance in Lake Orion after a DUI increases to $2424 for a six month policy. While the rate increases by $1320 for a six-month policy in the case of a speeding ticket.

Lake Orion auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1320	$220
Failure to wear a seat belt	$1566	$267
Cell phone violation	$1661	$277
Texting while driving	$1661	$283
Illegal turn	$1668	$278
Wrong way/wrong lane	$1668	$284
Speeding in school zone	$1692	$282
Driving with expired registration	$1704	$290
Failure to stop at a red light	$1722	$287
Improper passing	$1722	$293
Speeding 16 - 20 MPH over limit	$1914	$319
Open container	$2255	$384
Driving with a suspended license	$2526	$421
Racing	$3257	$553
Reckless driving	$3540	$590
Leaving scene of an accident/hit and run	$3630	$617
DUI	$3744	$624

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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 Orion 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 Orion.

The cheapest car insurance premiums in Lake Orion are offered by Chubb at $306 for a six-month policy. However, it can be as expensive as $9455 with companies like Allstate.

Lake Orion car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$306	$51
Auto-Owners Insurance Co	$810	$137
Grange	$816	$136
Progressive	$870	$146
Pioneer State Mutual Ins Co	$984	$164
USAA	$1062	$179
Travelers	$1206	$201
Auto-Owners	$1824	$307
Westfield	$1986	$334
AAA	$2051	$345
Bristol West	$2808	$468
Farmers	$2880	$485
Farm Bureau	$3408	$568
State Farm	$4289	$722
Allstate	$9455	$1576

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 Orion are offered by Westfield at $264. However, it can be as expensive as $11933 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lake Orion after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$264	$44
Chubb	$306	$51
Encompass	$324	$56
Travelers	$396	$66
Auto-Owners Insurance Co	$420	$72
Farm Bureau Ins of MI	$600	$100
USAA	$624	$106
Grange	$636	$106
Auto-Owners	$876	$148
Progressive	$1284	$216
AAA	$1302	$221
Farm Bureau	$1308	$218
Allstate	$2369	$403
State Farm	$3977	$663
Farmers	$11933	$2029

Car Insurance Price Trends in Lake Orion, Michigan

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

The average cost of full coverage in the Lake Orion dipped by $271 in December compared to $278 of November. In other words, there has been an decrease by $7 when you compare December and November.

The average cost of liability insurance in the Lake Orion rose to $90 in December, compared to $83 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lake Orion?

The car insurance in Lake Orion is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Orion?

The cheapest car insurance in Lake Orion is $84 per month for full coverage.

How much is car insurance in Lake Orion for teenagers?

Car insurance for teenagers costs $246 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 Orion?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $204 per month to insure your car in Lake Orion.

Is car insurance expensive in Lake Orion?

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

Cheapest Car Insurance Quotes in Lake Orion

Why you can trust Way?

How Much Is Car Insurance in Lake Orion

Avg. Car Insurance in Lake Orion

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Lake Orion

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Lake Orion Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Orion, MI

Way's key takeaways about car insurance in Lake Orion

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Orion

Cheapest Liability Coverage in Lake Orion, MI

Cheapest Full Coverage Car Insurance in Lake Orion

Cheapest Full Coverage Car Insurance Quotes in Lake Orion, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Orion by Rating Factor

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

Car Insurance Premiums by Age in Lake Orion

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Orion,MI

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

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 Orion

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

Lake Orion Car Insurance Rates by Violation

Lake Orion auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Orion after a DUI

Lake Orion car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Orion after Speeding ticket

Car Insurance Price Trends in Lake Orion, Michigan

Average Car Insurance Cost in Lake Orion by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Orion, MI

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

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