Cheapest Car Insurance Quotes in Sylvan Lake

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Sylvan Lake Car Insurance

^$ 47

/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 $1624 for a six-month policy, which is $421 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $666, 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

$1624

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Sylvan Lake

1st place: Travelers

At $666 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $834 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $922 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 $666 for a six-month term. This is followed by USAA, which has an average six-month premium of $834.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1099 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	$666	$112
USAA	$834	$140
Encompass	$922	$154
Auto-Owners Insurance Co	$946	$161
Chubb	$995	$166
Auto-Owners	$1115	$188
AAA	$1138	$192
Farm Bureau Ins of MI	$1170	$198
Pioneer State Mutual Ins Co	$1274	$212
Progressive	$1274	$215
Westfield	$1588	$267
Farm Bureau	$1789	$304
State Farm	$2277	$383
Allstate	$2430	$413
Bristol West	$3167	$528
Farmers	$4923	$837
Hastings Mutual	$1099	$184

Key Takeaways

Way's key takeaways about car insurance in Sylvan Lake

The auto insurance costs in Sylvan Lake fall around $666 for six months.
The cheapest auto insurance company in Sylvan Lake is Travelers.
Teen drivers pay the highest rate in Sylvan Lake at $1304 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 $281. Hastings Mutual is the most expensive at $481 for the same period.

Cheapest Liability Coverage in Sylvan Lake, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$281	$47
Westfield	$297	$50
USAA	$377	$63
Encompass	$385	$65
Chubb	$409	$68
Auto-Owners Insurance Co	$441	$76
Auto-Owners	$521	$88
Farm Bureau Ins of MI	$570	$97
Progressive	$586	$99
AAA	$698	$119
Farm Bureau	$882	$147
Allstate	$1034	$176
Bristol West	$1323	$220
State Farm	$1419	$239
Farmers	$2558	$427
Hastings Mutual	$481	$80

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 $112 per month and $666 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sylvan Lake, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$666	$112
USAA	$834	$140
Encompass	$922	$154
Auto-Owners Insurance Co	$946	$161
Chubb	$995	$166
Auto-Owners	$1115	$188
AAA	$1138	$192
Farm Bureau Ins of MI	$1170	$198
Pioneer State Mutual Ins Co	$1274	$212
Progressive	$1274	$215
Westfield	$1588	$267
Farm Bureau	$1789	$304
State Farm	$2277	$383
Allstate	$2430	$413
Bristol West	$3167	$528
Farmers	$4923	$837
Hastings Mutual	$1099	$184

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$377
30s	USAA	$286
40s	USAA	$274
50s	USAA	$263
60s	Chubb	$240
70s	Chubb	$263

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 $55 per month. At $7826 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$329	$55
Westfield	$352	$59
Encompass	$385	$65
Chubb	$458	$78
Auto-Owners Insurance Co	$481	$80
Grange	$625	$107
USAA	$1268	$213
Auto-Owners	$1516	$255
AAA	$2021	$340
Farm Bureau	$2911	$495
Progressive	$3120	$525
Allstate	$5261	$895
State Farm	$5397	$899
Farmers	$22581	$3839
Bristol West	$7826	$1304

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 Sylvan Lake.

As young drivers face the highest rates in Sylvan Lake, Chubb offers the cheapest auto insurance rates at $377 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 Sylvan Lake, Travelers is the cheapest car insurance provider. At $537 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 $1700 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$537	$92
Encompass	$554	$92
Progressive	$778	$132
Westfield	$818	$136
Auto-Owners Insurance Co	$867	$147
Pioneer State Mutual Ins Co	$1058	$177
Grange	$1339	$228
Farm Bureau Ins of MI	$1700	$284

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

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 $409 and $433, respectively. Pioneer State is an expensive provider with an average six-month premium of $641.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$409	$70
Westfield	$433	$72
Auto-Owners Insurance Co	$505	$86
Encompass	$570	$95
Farm Bureau Ins of MI	$674	$115
Pioneer State Mutual Ins Co	$745	$124
Travelers	$794	$134
USAA	$995	$167
Progressive	$1099	$185
Auto-Owners	$1227	$207
AAA	$1571	$265
Farm Bureau	$2190	$365
State Farm	$2493	$424
Allstate	$3873	$645
Farmers	$6920	$1177
Pioneer State	$641	$107

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 $3240 for a six month policy. While the rate increases by $1764 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	$1764	$294
Failure to wear a seat belt	$2093	$356
Cell phone violation	$2221	$370
Texting while driving	$2221	$378
Illegal turn	$2229	$371
Wrong way/wrong lane	$2229	$379
Speeding in school zone	$2261	$377
Driving with expired registration	$2277	$387
Failure to stop at a red light	$2302	$383
Improper passing	$2302	$392
Speeding 16 - 20 MPH over limit	$2558	$427
Open container	$3015	$513
Driving with a suspended license	$3376	$563
Racing	$4354	$740
Reckless driving	$4732	$788
Leaving scene of an accident/hit and run	$4852	$825
DUI	$5004	$834

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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 $409 for a six-month policy. However, it can be as expensive as $12637 with companies like Allstate.

Sylvan Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$409	$68
Auto-Owners Insurance Co	$1083	$184
Grange	$1091	$182
Progressive	$1162	$196
Pioneer State Mutual Ins Co	$1315	$219
USAA	$1419	$239
Travelers	$1612	$269
Auto-Owners	$2438	$410
Westfield	$2654	$447
AAA	$2742	$462
Bristol West	$3753	$625
Farmers	$3849	$648
Farm Bureau	$4555	$759
State Farm	$5733	$965
Allstate	$12637	$2106

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 $352. However, it can be as expensive as $15950 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	$352	$59
Chubb	$409	$68
Encompass	$433	$74
Travelers	$529	$88
Auto-Owners Insurance Co	$562	$96
Farm Bureau Ins of MI	$802	$134
USAA	$834	$142
Grange	$851	$142
Auto-Owners	$1170	$198
Progressive	$1716	$289
AAA	$1740	$296
Farm Bureau	$1748	$292
Allstate	$3167	$539
State Farm	$5316	$886
Farmers	$15950	$2712

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 $362 in December compared to $371 of November. In other words, there has been an decrease by $9 when you compare December and November.

The average cost of liability insurance in the Sylvan Lake rose to $120 in December, compared to $111 in November. This represents an increase of $9 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Sylvan Lake?

The car insurance in Sylvan Lake is $47 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 $112 per month for full coverage.

How much is car insurance in Sylvan Lake for teenagers?

Car insurance for teenagers costs $329 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 $1203 for a six-month policy. It will cost around $273 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 Chubb 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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