Car insurance costs an average of $270 monthly in Livonia. Learn more about how rates are set or enter your ZIP to compare quotes.
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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 Average (annual)||Michigan Average||National Average|
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.
|Company||Average Yearly Rate|
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.
|Age bracket||Average Annual Rate|
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.
|Marital Status/Gender||Average Yearly Rate|
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.
|Citation||Average Yearly Rate|
|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|
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.
|Credit Score||Average Rate (annual)|
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.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
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.