How much does car insurance cost in Livonia?

 

Car insurance costs an average of $3,248 per year in Livonia. That's more expensive than the Michigan average ($3,096) and more costly than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Livonia.

 

LIVONIA CAR INSURANCE RATES
Livonia Average (annual) Michigan Average National Average
$3,248 $3,096 $1,548

 

Table of contents:
  • Provider
  • Age
  • Gender
  • Driving history
  • Credit score

 

Livonia car insurance rates by company

 

A smart way to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, AAA offers Livonia's most affordable premiums. Reference below the top options for affordable insurance in Livonia. Don't forget to get car insurance quotes based on your unique driving profile.

 

LIVONIA CAR INSURANCE RATES BY COMPANY
Company Average Yearly Rate
AAA $2,222
AAA $2,349
Progressive $2,357
State Farm $2,689
The Hanover $5,144

 

Check out our guide to learn how to find the best cheap car insurance.

 

 

Car insurance rates by age bracket in Livonia

Livonia drivers in their 50s pay relatively affordable car insurance rates just $3,079 each year, on average. Those in their 60s don't pay significantly more ($3,141).

Teenage drivers pay Livonia's most expensive car insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Livonia is to age out of your teens. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Livonia is $5,544, the largest such difference between any two age groups.

 

LIVONIA CAR INSURANCE PREMIUMS BY DRIVER AGE
Age bracket Average Annual Rate
Teenagers $9,569
20s $4,025
30s $3,294
40s $3,275
50s $3,079
60s $3,141
70s $3,673

 

Learn more about the impact of age on car insurance premiums.

 

 

Livonia auto insurance rates by marital status and gender

 

Marital status and gender are contributing factors to car insurance rates in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Livonia pay $33 less than single drivers for auto insurance.

Gender is another factor that can influence auto insurance rates. In Livonia, female drivers pay $87 per year more than do male drivers for car insurance.

 

INSURANCE RATES IN LIVONIA BY MARITAL STATUS AND GENDER
Marital Status/Gender Average Yearly Rate
Female $3,335
Male $3,248
Single $3,248
Married $3,215
Divorced $3,248
Widowed $3,248

 

Learn more about how gender and marital status have on car insurance prices.

 

 

Livonia auto insurance costs by incident history

 

Regardless of where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Livonia drivers found guilty of reckless driving face a rate increase of $7,129 per year, compared to the citywide average. A DUI violation may lead to a $6,895 increase, while a citation for speeding leads to a $2,128 rate hike.

 

LIVONIA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Citation Average Yearly Rate
DWI/DUI $10,143
Reckless Driving $10,377
At-fault Accident (damages less than $1,000) $4,781
At-fault Accident (damages greater than $2,000) $5,205
Speeding Ticket (16-20 mph over speed limit) $5,376

 

Learn more about the impact of driving violations on car insurance rates.

 

 

Livonia car insurance costs by credit score

 

An important insurance rating factor in most states is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Livonia drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 73% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take when pursuing better car insurance rates. In Livonia, improving your credit to "Fair" corresponds with a $2,879 decrease in annual car insurance rates.

 

LIVONIA AUTO INSURANCE PREMIUMS BY CREDIT SCORE
Credit Score Average Rate (annual)
Very Poor $9,074
Fair $6,195
Good $4,578
Very Good $3,500
Exceptional $2,437

 

Learn more about the relationship between credit and car insurance.

 

 

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
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  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.