Cheapest Car Insurance Quotes in Sylvan Lake

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Sylvan Lake Car Insurance

^$ 49

/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 Sylvan Lake

The car insurance rate in Sylvan Lake is $1854 for a six-month policy, which is $530 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $690, making it a popular choice for budget-conscious drivers. Rates in Sylvan Lake 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 Sylvan Lake

$1854

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Sylvan Lake

1st place: Travelers

At $690 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $882 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $956 for six months, making it the third cheapest auto insurance company in Sylvan Lake.

Sylvan Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sylvan Lake, MI is Travelers, offering policies at just $690 for a six-month term. This is followed by USAA, which has an average six-month premium of $882.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1140 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sylvan Lake drivers find the best deals.

Cheap Car Insurance Companies in Sylvan Lake, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$690	$116
USAA	$882	$148
Encompass	$956	$162
Auto-Owners Insurance Co	$981	$164
Chubb	$1032	$175
Farm Bureau Ins of MI	$1214	$203
Auto-Owners	$1273	$214
AAA	$1281	$216
Pioneer State Mutual Ins Co	$1322	$225
Progressive	$1355	$228
Westfield	$1646	$277
Farm Bureau	$2353	$392
Pioneer State Mutual	$2562	$435
State Farm	$2736	$461
Frankenmuth	$2911	$496
Bristol West	$3284	$547
Allstate	$2520	$428
Farmers	$5106	$868
Hastings Mutual	$1140	$190

Key Takeaways

Way's key takeaways about car insurance in Sylvan Lake

The auto insurance costs in Sylvan Lake fall around $690 for six months.
The cheapest auto insurance company in Sylvan Lake is Travelers.
Teen drivers pay the highest rate in Sylvan Lake at $1352 per month.

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Cheapest Minimum Liability Car Insurance in Sylvan Lake

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 Sylvan Lake are given below.

Travelers provides the cheapest minimum car insurance coverage in Sylvan Lake. Their Average 6 Month Premium is $291. Farmers is the most expensive at $2653 for the same period.

Cheapest Liability Coverage in Sylvan Lake, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$291	$49
Westfield	$308	$52
USAA	$365	$62
Encompass	$399	$67
Chubb	$424	$73
Auto-Owners Insurance Co	$458	$76
Auto-Owners	$507	$85
Progressive	$574	$97
AAA	$582	$99
Farm Bureau Ins of MI	$591	$98
Farm Bureau	$741	$126
Pioneer State Mutual	$749	$125
Frankenmuth	$882	$150
State Farm	$1364	$230
Bristol West	$1372	$234
Allstate	$1072	$182
Farmers	$2653	$442

Cheapest Full Coverage Car Insurance in Sylvan Lake

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 Sylvan Lake is Travelers at $116 per month and $690 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sylvan Lake, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$690	$116
USAA	$882	$148
Encompass	$956	$162
Auto-Owners Insurance Co	$981	$164
Chubb	$1032	$175
Farm Bureau Ins of MI	$1214	$203
Auto-Owners	$1273	$214
AAA	$1281	$216
Pioneer State Mutual Ins Co	$1322	$225
Progressive	$1355	$228
Westfield	$1646	$277
Farm Bureau	$2353	$392
Pioneer State Mutual	$2562	$435
State Farm	$2736	$461
Frankenmuth	$2911	$496
Bristol West	$3284	$547
Allstate	$2520	$428
Farmers	$5106	$868
Hastings Mutual	$1140	$190

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Average Car Insurance in Sylvan Lake 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 Sylvan Lake, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Sylvan Lake, 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, Sylvan Lake's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Sylvan Lake

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 Sylvan Lake,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Sylvan Lake at $57 per month. At $8116 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$342	$57
Westfield	$365	$62
Encompass	$399	$67
Chubb	$475	$81
Auto-Owners Insurance Co	$498	$83
Grange	$648	$111
USAA	$1406	$237
Auto-Owners	$1763	$297
AAA	$2288	$385
Progressive	$3227	$543
Farm Bureau	$3842	$640
Pioneer State Mutual	$4507	$766
Frankenmuth	$5372	$896
State Farm	$7552	$1284
Allstate	$5456	$928
Farmers	$23418	$3982
Bristol West	$8116	$1352

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 Sylvan Lake, Travelers is the cheapest car insurance provider. At $557 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 Sylvan Lake is Farm Bureau Ins of MI, offering rates of around $1763 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$557	$92
Encompass	$574	$98
Progressive	$806	$134
Westfield	$848	$144
Auto-Owners Insurance Co	$899	$150
Pioneer State Mutual Ins Co	$1098	$186
Grange	$1389	$231
Farm Bureau Ins of MI	$1763	$300

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Car Insurance Rates with An Accident in Sylvan Lake

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

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

The cheapest car insurance companies after an at-fault accident in Sylvan Lake include Chubb and Westfield, offering $424 and $449, respectively. Pioneer State is an expensive provider with an average six-month premium of $665.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$424	$73
Westfield	$449	$74
Auto-Owners Insurance Co	$524	$90
Encompass	$591	$98
Farm Bureau Ins of MI	$699	$119
Pioneer State Mutual Ins Co	$773	$129
Travelers	$823	$139
USAA	$1072	$181
Progressive	$1273	$214
Auto-Owners	$1480	$249
AAA	$1763	$297
Farm Bureau	$2877	$480
Pioneer State Mutual	$3069	$522
State Farm	$3468	$578
Frankenmuth	$3742	$637
Allstate	$4017	$669
Farmers	$7176	$1221
Pioneer State	$665	$111

Sylvan Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sylvan Lake MI. For example, the car insurance in Sylvan Lake after a DUI increases to $3360 for a six month policy. While the rate increases by $1830 for a six-month policy in the case of a speeding ticket.

Sylvan Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1830	$305
Failure to wear a seat belt	$2170	$370
Cell phone violation	$2303	$384
Texting while driving	$2303	$392
Illegal turn	$2311	$385
Wrong way/wrong lane	$2311	$393
Speeding in school zone	$2345	$391
Driving with expired registration	$2362	$402
Failure to stop at a red light	$2387	$398
Improper passing	$2387	$406
Speeding 16 - 20 MPH over limit	$2653	$442
Open container	$3126	$532
Driving with a suspended license	$3501	$584
Racing	$4515	$767
Reckless driving	$4907	$818
Leaving scene of an accident/hit and run	$5032	$855
DUI	$5190	$865

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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 Sylvan Lake 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 Sylvan Lake.

The cheapest car insurance premiums in Sylvan Lake are offered by Chubb at $424 for a six-month policy. However, it can be as expensive as $13105 with companies like Allstate.

Sylvan Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$424	$70
Auto-Owners Insurance Co	$1123	$190
Grange	$1131	$189
Farmers	$1148	$195
Progressive	$1264	$213
Pioneer State Mutual Ins Co	$1364	$232
USAA	$1513	$255
Travelers	$1672	$284
Auto-Owners	$2703	$455
Westfield	$2752	$463
AAA	$3035	$511
Bristol West	$3892	$662
Pioneer State Mutual	$4899	$816
Farm Bureau	$5762	$980
State Farm	$7127	$1200
Frankenmuth	$12898	$2194
Allstate	$13105	$2184

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 Sylvan Lake are offered by Westfield at $365. However, it can be as expensive as $16541 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sylvan Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$365	$62
Chubb	$424	$70
Encompass	$449	$77
Travelers	$549	$91
Auto-Owners Insurance Co	$582	$99
Farm Bureau Ins of MI	$832	$139
Grange	$882	$150
Auto-Owners	$1106	$185
USAA	$1131	$192
AAA	$1431	$238
Farm Bureau	$1480	$252
Pioneer State Mutual	$1630	$272
Progressive	$1663	$280
Frankenmuth	$2661	$444
State Farm	$4840	$823
Allstate	$3284	$559
Farmers	$16541	$2813

Car Insurance Price Trends in Sylvan Lake, Michigan

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

The average cost of full coverage in the Sylvan Lake dipped by $294 in January compared to $375 of December. In other words, there has been an decrease by $81 when you compare January and December.

The average cost of liability insurance in the Sylvan Lake dipped to $104 in January, compared to $125 in December. This represents an decrease of $21 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Sylvan Lake?

The car insurance in Sylvan Lake is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Sylvan Lake?

The cheapest car insurance in Sylvan Lake is $116 per month for full coverage.

How much is car insurance in Sylvan Lake for teenagers?

Car insurance for teenagers costs $342 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 Sylvan Lake?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $312 per month to insure your car in Sylvan Lake.

Is car insurance expensive in Sylvan Lake?

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

Cheapest Car Insurance Quotes in Sylvan Lake

Why you can trust Way?

How Much Is Car Insurance in Sylvan Lake

Avg. Car Insurance in Sylvan Lake

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Sylvan Lake

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Sylvan Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Sylvan Lake, MI

Way's key takeaways about car insurance in Sylvan Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sylvan Lake

Cheapest Liability Coverage in Sylvan Lake, MI

Cheapest Full Coverage Car Insurance in Sylvan Lake

Cheapest Full Coverage Car Insurance Quotes in Sylvan Lake, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sylvan Lake by Rating Factor

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

Car Insurance Premiums by Age in Sylvan Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Sylvan Lake

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

Sylvan Lake Car Insurance Rates by Violation

Sylvan Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sylvan Lake after a DUI

Sylvan Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sylvan Lake after Speeding ticket

Car Insurance Price Trends in Sylvan Lake, Michigan

Average Car Insurance Cost in Sylvan Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sylvan Lake, MI

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

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