Best Lambertville, Michigan Auto Insurance in 2024
The average Lambertville, MI auto insurance rates are $844 per month. The minimum auto insurance in Lambertville is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Lambertville, Michigan, compare quotes from multiple companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Sep 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Lambertville, MI for senior drivers are $6,689 per year
- The average commute length in Lambertville is 24.7 minutes
- The most expensive auto insurance company in Lambertville for teen drivers is Allstate
Lambertville, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Lambertville can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lambertville, Michigan, including driving record, credit, commute time, and more.
Compare auto insurance in Lambertville to other Michigan cities, including Detroit auto insurance rates, Flint auto insurance rates, and Sterling Heights auto insurance rates to see how Lambertville, Michigan auto insurance rates stack up.
Before you buy Lambertville, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lambertville, Michigan auto insurance quotes.
Minimum Auto Insurance in Lambertville, Michigan
Lambertville, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lambertville, 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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Cheap Lambertville, Michigan Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Lambertville, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $15,884 | $15,884 | $14,787 | $14,787 | $39,019 | $39,019 | $16,726 | $16,726 |
| Farmers | $4,382 | $4,382 | $4,098 | $4,098 | $9,437 | $9,437 | $4,913 | $4,913 |
| Geico | $4,771 | $4,771 | $4,890 | $4,890 | $12,915 | $12,915 | $4,537 | $4,537 |
| Liberty Mutual | $14,345 | $14,345 | $14,206 | $14,206 | $33,321 | $33,321 | $14,345 | $14,345 |
| Nationwide | $3,550 | $3,550 | $3,173 | $3,173 | $9,174 | $9,174 | $3,883 | $3,883 |
| Progressive | $3,289 | $2,996 | $2,911 | $3,311 | $11,902 | $12,453 | $3,803 | $3,381 |
| State Farm | $9,413 | $9,413 | $8,837 | $8,837 | $34,043 | $34,043 | $11,062 | $11,062 |
| Travelers | $5,380 | $5,380 | $4,626 | $4,626 | $16,180 | $16,180 | $5,842 | $5,842 |
| USAA | $2,713 | $2,556 | $2,554 | $2,399 | $6,743 | $6,381 | $3,303 | $3,149 |
Cheap Lambertville, Michigan Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Lambertville, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Lambertville, Michigan.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $39,019 | $39,019 |
| Farmers | $9,437 | $9,437 |
| Geico | $12,915 | $12,915 |
| Liberty Mutual | $33,321 | $33,321 |
| Nationwide | $9,174 | $9,174 |
| Progressive | $11,902 | $12,453 |
| State Farm | $34,043 | $34,043 |
| Travelers | $16,180 | $16,180 |
| USAA | $6,743 | $6,381 |
Cheap Lambertville, Michigan Auto Insurance for Seniors
What are senior auto insurance rates in Lambertville, Michigan? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $14,787 | $14,787 |
| Farmers | $4,098 | $4,098 |
| Geico | $4,890 | $4,890 |
| Liberty Mutual | $14,206 | $14,206 |
| Nationwide | $3,173 | $3,173 |
| Progressive | $2,911 | $3,311 |
| State Farm | $8,837 | $8,837 |
| Travelers | $4,626 | $4,626 |
| USAA | $2,554 | $2,399 |
Cheap Lambertville, Michigan Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lambertville, Michigan compared to the annual auto insurance rates with a clean record in Lambertville, Michigan.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $10,468 | $14,036 | $47,226 | $14,685 |
| Farmers | $4,807 | $6,102 | $6,038 | $5,882 |
| Geico | $2,365 | $5,043 | $15,319 | $4,386 |
| Liberty Mutual | $13,026 | $15,959 | $30,358 | $16,873 |
| Nationwide | $4,246 | $5,637 | $5,129 | $4,767 |
| Progressive | $4,626 | $6,159 | $5,533 | $5,706 |
| State Farm | $9,881 | $11,953 | $26,460 | $15,062 |
| Travelers | $5,416 | $7,736 | $12,473 | $6,404 |
| USAA | $2,992 | $3,745 | $4,900 | $3,262 |
Cheap Lambertville, Michigan Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Lambertville, Michigan is not easy. Compare the annual rates for DUI auto insurance in Lambertville, Michigan to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $47,226 |
| Farmers | $6,038 |
| Geico | $15,319 |
| Liberty Mutual | $30,358 |
| Nationwide | $5,129 |
| Progressive | $5,533 |
| State Farm | $26,460 |
| Travelers | $12,473 |
| USAA | $4,900 |
Cheap Lambertville, Michigan Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Lambertville, Michigan annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $32,807 | $18,163 | $13,842 |
| Farmers | $7,633 | $4,943 | $4,546 |
| Geico | $8,726 | $6,405 | $5,204 |
| Liberty Mutual | $30,138 | $17,407 | $9,617 |
| Nationwide | $6,167 | $4,675 | $3,992 |
| Progressive | $6,386 | $5,351 | $4,780 |
| State Farm | $25,742 | $12,984 | $8,791 |
| Travelers | $8,206 | $7,958 | $7,858 |
| USAA | $5,573 | $3,183 | $2,419 |
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Cheap Lambertville, Michigan Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Lambertville, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Lambertville, Michigan to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 48144 | $7,059 |
Cheap Lambertville, Michigan Auto Insurance Rates By Commute
Commute length and annual mileage affect Lambertville, Michigan auto insurance. Find the cheapest annual Lambertville, Michigan auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $21,604 | $21,604 |
| Farmers | $5,707 | $5,707 |
| Geico | $6,625 | $6,932 |
| Liberty Mutual | $18,409 | $19,699 |
| Nationwide | $4,945 | $4,945 |
| Progressive | $5,506 | $5,506 |
| State Farm | $15,381 | $16,296 |
| Travelers | $7,961 | $8,053 |
| USAA | $3,682 | $3,767 |
Cheap Lambertville, Michigan Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Lambertville, Michigan? Check out the comparison of annual Lambertville, Michigan auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $20,947 | $21,662 | $22,203 |
| Farmers | $5,561 | $5,694 | $5,867 |
| Geico | $6,257 | $6,702 | $7,376 |
| Liberty Mutual | $18,530 | $19,002 | $19,630 |
| Nationwide | $5,102 | $4,881 | $4,851 |
| Progressive | $5,311 | $5,514 | $5,692 |
| State Farm | $14,872 | $15,958 | $16,686 |
| Travelers | $7,920 | $8,016 | $8,086 |
| USAA | $3,610 | $3,735 | $3,829 |
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Best By Category: Cheapest Auto Insurance in Lambertville, Michigan
Compare the cheapest auto insurance companies in Lambertville, Michigan in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Lambertville, Michigan Auto Insurance Companies
What auto insurance companies in Lambertville, Michigan are the cheapest? Compare the top Lambertville, Michigan auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $21,604 |
| Farmers | $5,707 |
| Geico | $6,778 |
| Liberty Mutual | $19,054 |
| Nationwide | $4,945 |
| Progressive | $5,506 |
| State Farm | $15,839 |
| Travelers | $8,007 |
| USAA | $3,725 |
What affects auto insurance rates in Lambertville, Michigan?
There are a lot of reasons why auto insurance rates in Lambertville, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lambertville, Michigan. Many local factors may affect your Lambertville auto insurance rates.
Lambertville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lambertville, Michigan commute length is 24.7 minutes according to City-Data.
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Compare Lambertville, Michigan Auto Insurance Quotes
Before you buy Lambertville, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lambertville, Michigan auto insurance quotes.
Frequently Asked Questions
What is the minimum auto insurance coverage required in Lambertville, MI?
In Michigan, the minimum auto insurance coverage required includes Personal Injury Protection (PIP) coverage of $250,000 per person, $500,000 per accident for bodily injury liability, and $10,000 for property damage liability.
What factors can affect my auto insurance rates in Lambertville, MI?
Several factors can impact your auto insurance rates in Lambertville, MI. These factors include your driving history, age, gender, marital status, type of vehicle, credit score, and the coverage options you choose. Additionally, local factors such as the rate of accidents and crime in your area can also influence your rates.
Can I use my personal auto insurance for business purposes in Lambertville, MI?
Generally, personal auto insurance policies do not cover vehicles used for business purposes. If you use your vehicle for business activities, such as making deliveries or transporting clients, you may need a separate commercial auto insurance policy to ensure proper coverage.
Are there any discounts available for auto insurance in Lambertville, MI?
Yes, many insurance companies offer various discounts that can help lower your auto insurance premiums. Common discounts include safe driver discounts, multi-vehicle discounts, bundling auto and home insurance, good student discounts, and discounts for installing anti-theft devices or safety features in your vehicle.
What should I do after a car accident in Lambertville, MI?
After a car accident in Lambertville, MI, you should prioritize your safety and the safety of others involved. Call emergency services if necessary and exchange information with the other driver(s) involved. It’s important to report the accident to your insurance company as soon as possible and cooperate fully with their claims process.
Can I choose any auto repair shop for repairs after an accident in Lambertville, MI?
In most cases, you have the right to choose any auto repair shop you prefer for repairs after an accident in Lambertville, MI. However, if you have chosen a repair shop that charges rates significantly higher than the prevailing market rates, your insurance company may only cover the reasonable costs of repairs.
Can my auto insurance policy be canceled in Lambertville, MI?
Yes, auto insurance policies can be canceled in Lambertville, MI, under certain circumstances. Insurance companies may cancel a policy for reasons such as non-payment of premiums, misrepresentation of information, or a suspended driver’s license. It’s important to maintain a good driving record and pay your premiums on time to avoid policy cancellations.
How can I find the best auto insurance in Lambertville, MI?
To find the best auto insurance in Lambertville, MI, it’s recommended to shop around and compare quotes from multiple insurance companies. Consider factors such as coverage options, customer reviews, claims handling process, and pricing. Working with an independent insurance agent can also help you find the most suitable policy for your needs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.