Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in South Lyon after a DUI is USAA
  • The cheapest car insurance company in South Lyon for teen drivers is USAA
  • Average car insurance rates in South Lyon, MI for senior drivers are $6,693/year

Average car insurance rates in South Lyon, Michigan are $845 a month. But with a little research you can get a great deal from the top car insurance companies in South Lyon, MI. Before you buy South Lyon, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

It may even be helpful to compare South Lyon car insurance rates with Detroit car insurance rates, Sterling Heights car insurance rates, or Troy car insurance rates to make sure you’re getting the best South Lyon, MI car insurance quotes available.

Need affordable South Lyon, MI car insurance? Enter your ZIP code to compare South Lyon car insurance quotes from multiple car insurance companies near you.

South Lyon, MI Minimum Car Insurance Coverage

South Lyon, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in South Lyon, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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South Lyon, MI Car Insurance Rates by Coverage Level

Some South Lyon drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your South Lyon, Michigan car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in South Lyon, Michigan

Insurance Company Low Medium High
Allstate $22,779 $23,387 $23,846
Farmers $6,863 $7,075 $7,352
GEICO $5,634 $5,965 $6,452
Liberty Mutual $20,014 $20,527 $21,208
Nationwide $6,417 $6,072 $6,011
Progressive $5,301 $5,468 $5,616
State Farm $10,309 $10,882 $11,267
Travelers $7,920 $8,016 $8,086
USAA $3,650 $3,779 $3,877

South Lyon, MI Car Insurance Rates by Age, Gender, and Marital Status

South Lyon, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy South Lyon, MI car insurance, get quotes from multiple car insurance companies in the South Lyon area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in South Lyon, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $16,953 $16,953 $15,710 $15,710 $42,814 $42,814 $17,873 $17,873
Farmers $5,396 $5,396 $4,998 $4,998 $11,894 $11,894 $6,100 $6,100
GEICO $4,084 $4,084 $4,202 $4,202 $11,872 $11,872 $3,908 $3,908
Liberty Mutual $15,464 $15,464 $15,313 $15,313 $36,090 $36,090 $15,464 $15,464
Nationwide $4,368 $4,368 $3,887 $3,887 $11,614 $11,614 $4,796 $4,796
Progressive $3,149 $2,916 $2,788 $3,112 $11,925 $12,750 $3,668 $3,387
State Farm $6,520 $6,520 $6,052 $6,052 $23,040 $23,040 $7,667 $7,667
Travelers $5,380 $5,380 $4,626 $4,626 $16,180 $16,180 $5,842 $5,842
USAA $2,736 $2,579 $2,576 $2,421 $6,837 $6,480 $3,337 $3,186

South Lyon, MI Car Insurance Rates for Teens

How much is South Lyon, Michigan car insurance for teens? Compare rates from top South Lyon car insurance companies below to help find the cheapest teen car insurance in South Lyon, MI.

Annual Car Insurance Rates for Teen Drivers in South Lyon, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $42,814 $42,814
Farmers $11,894 $11,894
GEICO $11,872 $11,872
Liberty Mutual $36,090 $36,090
Nationwide $11,614 $11,614
Progressive $11,925 $12,750
State Farm $23,040 $23,040
Travelers $16,180 $16,180
USAA $6,837 $6,480

South Lyon, MI Car Insurance Rates for Seniors

Before seniors buy South Lyon, Michigan car insurance, they should make sure to shop around. Some South Lyon, MI car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in South Lyon, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,710 $15,710
Farmers $4,998 $4,998
GEICO $4,202 $4,202
Liberty Mutual $15,313 $15,313
Nationwide $3,887 $3,887
Progressive $2,788 $3,112
State Farm $6,052 $6,052
Travelers $4,626 $4,626
USAA $2,576 $2,421

South Lyon, MI Car Insurance Rates by Credit History

How does your credit history affect South Lyon, MI car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in South Lyon, Michigan

Insurance Company Poor Fair Good
Allstate $35,360 $19,598 $15,055
Farmers $10,284 $5,711 $5,295
GEICO $7,739 $5,687 $4,625
Liberty Mutual $32,566 $18,804 $10,379
Nationwide $7,723 $5,825 $4,952
Progressive $6,283 $5,311 $4,791
State Farm $17,536 $8,883 $6,039
Travelers $8,206 $7,958 $7,858
USAA $5,641 $3,219 $2,447

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South Lyon, MI Car Insurance Rates by Driver History

How does a single speeding ticket affect your South Lyon, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in South Lyon.

Annual South Lyon, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,302 $15,095 $51,074 $15,880
Farmers $5,921 $7,642 $7,507 $7,318
GEICO $2,062 $4,474 $13,650 $3,880
Liberty Mutual $14,140 $17,273 $32,640 $18,280
Nationwide $5,275 $7,052 $6,400 $5,939
Progressive $4,630 $6,095 $5,460 $5,662
State Farm $6,826 $8,215 $17,939 $10,299
Travelers $5,416 $7,736 $12,473 $6,404
USAA $3,026 $3,790 $4,960 $3,299

South Lyon, MI Car Insurance Rates With a DUI

Even a single DUI can increase your South Lyon, MI car insurance rates. Compare rates below to see which South Lyon car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in South Lyon, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $51,074
Farmers $7,507
GEICO $13,650
Liberty Mutual $32,640
Nationwide $6,400
Progressive $5,460
State Farm $17,939
Travelers $12,473
USAA $4,960

South Lyon, MI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your South Lyon, MI car insurance rates may be. Let’s take a look at average car insurance rates from top South Lyon companies based on commute time.

Annual Car Insurance Rates by Commute Length in South Lyon, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $23,338 $23,338
Farmers $7,097 $7,097
GEICO $5,883 $6,150
Liberty Mutual $19,882 $21,284
Nationwide $6,167 $6,167
Progressive $5,462 $5,462
State Farm $10,536 $11,103
Travelers $7,961 $8,053
USAA $3,726 $3,812

South Lyon, MI Cheapest Car Insurance Rates

How do the top South Lyon, Michigan car insurance companies’ average rates stack up against the South Lyon average monthly car insurance rates of $845? Take a look and see.

Best Annual Car Insurance Rates by Company in South Lyon, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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South Lyon, MI Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top South Lyon, Michigan car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in South Lyon, Michigan

Insurance Company Average Annual Rates
Allstate $23,337
Farmers $7,097
GEICO $6,017
Liberty Mutual $20,583
Nationwide $6,167
Progressive $5,462
State Farm $10,820
Travelers $8,007
USAA $3,769

Other Factors Affecting South Lyon, MI Car Insurance Rates

Before you buy South Lyon, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

South Lyon, MI Commute Time

How does your South Lyon, MI commute time compare with the average driver? In South Lyon, the average commute is 29.9 minutes.

South Lyon, MI Car Insurance Quotes

Compare South Lyon, MI car insurance quotes from multiple companies by entering your ZIP code now.