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Cheapest Car Insurance Quotes in Orchard Lake Village
Finding the cheapest car insurance quotes in Orchard Lake Village 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.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Orchard Lake Village
The car insurance rate in Orchard Lake Village is $1432 for a six-month policy, which is $229 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $587, making it a popular choice for budget-conscious drivers. Rates in Orchard Lake Village 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.
Cheapest Car Insurance Companies in Orchard Lake Village
1st place: Travelers
At $587 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $735 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Encompass
Encompass offers auto insurance
rates at $813
for six months, making it
the third cheapest auto insurance company in Orchard Lake Village.
Orchard Lake Village Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Orchard Lake Village, MI is Travelers, offering policies at just $587 for a six-month term. This is followed by USAA, which has an average six-month premium of $735.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $969 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orchard Lake Village drivers find the best deals.
Cheap Car Insurance Companies in Orchard Lake Village, MI
Way's key takeaways about car insurance in Orchard Lake Village
The auto insurance costs in Orchard Lake Village fall around $587 for six
months.
The cheapest auto insurance company in Orchard Lake Village is Travelers.
Teen drivers pay the highest rate in Orchard Lake Village at $1150 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Orchard Lake Village
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 Orchard Lake Village are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Orchard Lake Village. Their Average 6 Month Premium is $248.
Hastings Mutual is the most
expensive at $424 for the same
period.
Cheapest Liability Coverage in Orchard Lake Village, MI
Cheapest Full Coverage Car Insurance in Orchard Lake Village
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 Orchard Lake Village is Travelers
at $99 per month and $587
for six months.
Cheapest Full Coverage Car Insurance Quotes in Orchard Lake Village,
MI
Get Your Car Insurance Quote in Orchard Lake Village
Instantly!
Average Car Insurance in Orchard Lake Village 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 Orchard Lake Village, MI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Orchard Lake Village, 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, Orchard Lake Village's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Orchard Lake Village
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
$332
30s
USAA
$252
40s
USAA
$242
50s
USAA
$232
60s
Chubb
$212
70s
Chubb
$232
Cheapest Car Insurance Rates for Teen Drivers in
Orchard Lake Village,MI
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the Orchard Lake Village at $49
per
month. At $6898 for a six-month premium,
Bristol West offers the most expensive rate for
teen drivers.
If you are in your twenties Chubb is
the best choice for car
insurance in Orchard Lake Village.
As young drivers face the highest rates in Orchard Lake Village, Chubb
offers the cheapest auto insurance rates at $332 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 Orchard Lake Village,
Travelers is
the cheapest car insurance provider. At $474 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
Orchard Lake Village is Farm Bureau Ins of MI, offering
rates of around $1498 for six
months.
Save up to $971/yr on car insurance rates in Orchard Lake Village.
Car Insurance Rates with An Accident in Orchard Lake Village
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 Orchard Lake Village, MI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Orchard Lake Village
The cheapest car insurance companies after an at-fault accident in
Orchard Lake Village include Chubb
and Westfield, offering $361
and $382,
respectively. Pioneer State is an expensive provider
with an average six-month premium of
$565.
Orchard Lake Village Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Orchard Lake Village MI. For example, the car
insurance in Orchard Lake Village
after a DUI increases to $2856 for a six
month policy. While the rate increases by $1555 for a six-month policy in the case of
a speeding ticket.
Orchard Lake Village auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1555
$259
Failure to wear a seat belt
$1845
$314
Cell phone violation
$1958
$326
Texting while driving
$1958
$333
Illegal turn
$1965
$327
Wrong way/wrong lane
$1965
$334
Speeding in school zone
$1993
$332
Driving with expired registration
$2008
$342
Failure to stop at a red light
$2029
$338
Improper passing
$2029
$345
Speeding 16 - 20 MPH over limit
$2255
$376
Open container
$2657
$452
Driving with a suspended license
$2976
$496
Racing
$3838
$652
Reckless driving
$4171
$695
Leaving scene of an accident/hit and run
$4277
$727
DUI
$4411
$735
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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 Orchard Lake Village 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 Orchard Lake Village.
The cheapest car insurance premiums in
Orchard Lake Village are
offered by Chubb at $361 for a six-month policy.
However, it can be as
expensive as $11140 with companies
like Allstate.
Orchard Lake Village car insurance quotes with a DUI
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 Orchard Lake Village are offered by Westfield
at $311. However,
it can be as expensive as $14060
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Orchard Lake Village after Speeding ticket
Car Insurance Price Trends in Orchard Lake Village,
Michigan
Car insurance rates in Orchard Lake Village have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Orchard Lake Village dipped by
$319 in December
compared to $327 of November. In other words, there has been an decrease by $8 when you
compare December and November.
The average cost of liability insurance in the Orchard Lake Village rose to $106 in December,
compared to $98 in November.
This represents an increase of $8
when comparing December and November.
Average Car Insurance Cost in Orchard Lake Village by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Orchard Lake Village. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Orchard Lake Village?
The car insurance in Orchard Lake Village is $42 per month, which is lower than the national average.
What is the cheapest car insurance in Orchard Lake Village?
The cheapest car insurance in Orchard Lake Village
is $99 per month
for full coverage.
How much is car insurance in Orchard Lake Village for teenagers?
Car insurance for teenagers costs $290 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
Orchard Lake Village?
The average cost of car insurance is $1203 for a six-month
policy. It will cost around $240 per month to insure your
car in Orchard Lake Village.
Is car insurance expensive in Orchard Lake Village?
Car insurance can be expensive in Orchard Lake Village if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Orchard Lake Village can be
affordable.
What is the best car insurance in Orchard Lake Village,
MI?
The best car insurance company in Orchard Lake Village
MI is
Travelers, offering $587 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Orchard Lake Village, MI
Car Insurance Rates by State in the USA (2025 Update)
Orchard Lake Village Car Insurance
