Cheap Car Insurance Quotes for Lyft Drivers in Michigan

We always joke that when we write about car insurance, the words cheap or affordable should never be used anywhere in the article. It’s just reality that cheap auto insurance for Lyft drivers is almost non-existent. Don’t let that get you down, though, because there may be ways you can still get car insurance that doesn’t break your budget.

One of the key factors that is used by insurance companies to calculate the price you pay for insurance is your zip code in Michigan. Areas with more people or more claims like Detroit, Southfield, and Warren tend to pay slightly more, whereas areas with less congestion generally have lower rates.

The next table sorts the most costly cities in Michigan for Lyft drivers to purchase a policy in.

Table data uses approximated as the vehicle garaging location can raise or lower coverage prices greatly.

We all have different tastes in cars, and the vehicle you are insuring is a significant factor when comparing cheap auto insurance for Lyft drivers in Michigan. Vehicles with lots of speed or power, a lack of advanced safety features, or high incidents of liability claims will cost significantly more to insure than safer, lower-performance models. The next lists presents car insurance rates for some of the more afforable automobiles to insure.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium costs do not factor in zip code location which can influence auto insurance rates substantially.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in vehicle location which can change price quotes significantly.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Information does not factor in specific location information which can affect price quotes greatly.

Get discounts on Michigan car insurance

Auto insurance companies that offer cheap auto insurance for Lyft drivers in Michigan could also offer price discounts that may potentially lower prices by 40% or more if you qualify. A list of car insurance companies and the discounts they provide include:

The illustration below illustrates the comparison of insurance rates with and without discounts. The costs are based on a male driver, a clean driving record, no at-fault accidents, Michigan state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, claim-free, anti-theft, marriage, multiple policy, and multiple vehicle discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for Lyft drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 7423,5319],[‘Age 30’, 3827,2761],[‘Age 40’, 3767,2715],[‘Age 50’, 3437,2477],[‘Age 60’, 3331,2399],[‘Age 70’, 4123,2957]]);var options = {title: ‘Insurance Rate Comparison with Discounts for Lyft Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Drive safe and save

The recommended way to enjoy affordable car insurance prices in Michigan for Lyft vehicles is to be an attentive driver and avoid at-fault accidents and violations. The chart below illustrates how violations and at-fault collisions impact yearly insurance costs for different ages of insureds. The information is based on a married female driver, comp and collision included, $100 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 4335,4835,6237],[‘Age 30’, 3035,3535,4937],[‘Age 40’, 2997,3493,4897],[‘Age 50’, 2623,3125,4531],[‘Age 60’, 2501,2999,4403],[‘Age 70’, 2687,3181,4585]]);var options = {title: ‘Impact of Violations and Accidents on Michigan Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Michigan’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of auto insurance in Michigan per year with no accidents or violations is $3,030. Add in one speeding ticket and the average cost rises to $3,528, an increase of $498 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for Lyft drivers increases to an average of $4,932. That’s an increase of $1,902, or $159 per month, just for being a careless driver!