Compare Harbor Springs, MI Car Insurance Rates (2021)

Car insurance in Harbor Springs, MI averages $784 a month. Harbor Springs, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Harbor Springs car insurance rates, compare quotes from the top car insurance companies in Harbor Springs, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Harbor Springs is USAA
  • The cheapest car insurance company in Harbor Springs for teen drivers is USAA
  • Average car insurance rates in Harbor Springs, MI are $9,406/year

If you need to buy Harbor Springs, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Harbor Springs, MI is right here.

You’ll find Harbor Springs car insurance rates, the cheapest Harbor Springs, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Harbor Springs, Michigan car insurance rates to Flint car insurance rates, Warren car insurance rates, and Grand Rapids car insurance rates.

Ready to find affordable Harbor Springs, MI car insurance today? Enter your ZIP code for fast, free Harbor Springs car insurance quotes.

Cheapest Harbor Springs, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Harbor Springs, MI car insurance rates? Every Harbor Springs, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Harbor Springs, 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 $18,178 $18,178 $17,007 $17,007 $43,020 $43,020 $19,109 $19,109
Farmers $3,275 $3,275 $3,061 $3,061 $7,445 $7,445 $3,678 $3,678
GEICO $3,676 $3,676 $3,749 $3,749 $10,369 $10,369 $3,517 $3,517
Liberty Mutual $13,423 $13,423 $13,290 $13,290 $31,542 $31,542 $13,423 $13,423
Nationwide $4,680 $4,680 $4,166 $4,166 $12,064 $12,064 $5,117 $5,117
Progressive $2,628 $2,458 $2,332 $2,578 $9,692 $10,397 $3,056 $2,862
State Farm $6,396 $6,396 $5,905 $5,905 $22,252 $22,252 $7,515 $7,515
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,348 $2,243 $2,206 $2,098 $5,718 $5,482 $2,872 $2,782

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Minimum Car Insurance in Harbor Springs, MI

Every driver must carry the minimum car insurance in Harbor Springs, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Harbor Springs, 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

Cheapest Harbor Springs, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Harbor Springs, MI. Compare credit history car insurance rates in Harbor Springs from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Harbor Springs, Michigan

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $5,706 $3,837 $3,551
GEICO $6,846 $5,037 $4,101
Liberty Mutual $28,338 $16,372 $9,047
Nationwide $8,198 $6,128 $5,194
Progressive $5,167 $4,373 $3,961
State Farm $17,044 $8,635 $5,871
Travelers $8,169 $7,922 $7,822
USAA $4,801 $2,747 $2,108

Cheapest Harbor Springs, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Harbor Springs, MI to rates for a clean record with top companies.

Annual Harbor Springs, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,781 $15,856 $53,166 $16,511
Farmers $3,672 $4,675 $4,612 $4,500
GEICO $1,879 $3,970 $11,993 $3,468
Liberty Mutual $12,457 $15,103 $28,109 $16,009
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $3,837 $5,001 $4,499 $4,665
State Farm $6,709 $8,033 $17,305 $10,020
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,596 $3,224 $4,227 $2,828

Cheapest Harbor Springs, MI Car Insurance for Teen Drivers

Teen car insurance in Harbor Springs, MI can be expensive. Take a look at rates from the top car insurance companies in Harbor Springs for teenagers.

Annual Car Insurance Rates for Teen Drivers in Harbor Springs, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $7,445 $7,445
GEICO $10,369 $10,369
Liberty Mutual $31,542 $31,542
Nationwide $12,064 $12,064
Progressive $9,692 $10,397
State Farm $22,252 $22,252
Travelers $16,137 $16,137
USAA $5,718 $5,482

Cheapest Harbor Springs, MI Car Insurance for Seniors

Take a look at Harbor Springs, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Harbor Springs, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $3,061 $3,061
GEICO $3,749 $3,749
Liberty Mutual $13,290 $13,290
Nationwide $4,166 $4,166
Progressive $2,332 $2,578
State Farm $5,905 $5,905
Travelers $4,589 $4,589
USAA $2,206 $2,098

Cheapest Harbor Springs, MI Car Insurance Rates After a DUI

A DUI in Harbor Springs, MI increases car insurance rates. Compare Harbor Springs, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Harbor Springs, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $53,166
Farmers $4,612
GEICO $11,993
Liberty Mutual $28,109
Nationwide $6,765
Progressive $4,499
State Farm $17,305
Travelers $12,382
USAA $4,227

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Cheapest Harbor Springs, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Harbor Springs, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Harbor Springs, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $24,328 $24,328
Farmers $4,365 $4,365
GEICO $5,207 $5,448
Liberty Mutual $17,304 $18,535
Nationwide $6,507 $6,507
Progressive $4,500 $4,500
State Farm $10,246 $10,788
Travelers $7,926 $8,017
USAA $3,182 $3,255

The Best Cheap Car Insurance Companies in Harbor Springs, MI

Take a look at a side-by-side comparison of the top car insurance companies in Harbor Springs, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Harbor Springs, Michigan

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $4,365
GEICO $5,328
Liberty Mutual $17,919
Nationwide $6,507
Progressive $4,500
State Farm $10,517
Travelers $7,971
USAA $3,219

Category Winners: Cheapest Car Insurance in Harbor Springs, Michigan

Find the cheapest car insurance companies in Harbor Springs, MI for each category right here.

Best Annual Car Insurance Rates by Company in Harbor Springs, 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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Cheapest Harbor Springs, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Harbor Springs car insurance rates. Find the cheapest Harbor Springs, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Harbor Springs, Michigan

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $4,241 $4,354 $4,498
GEICO $4,992 $5,282 $5,709
Liberty Mutual $17,501 $17,878 $18,379
Nationwide $6,846 $6,388 $6,286
Progressive $4,363 $4,507 $4,632
State Farm $10,057 $10,573 $10,920
Travelers $7,889 $7,978 $8,047
USAA $3,124 $3,226 $3,306

What affects car insurance rates in Harbor Springs, Michigan?

What factors can have an impact on Harbor Springs, MI car insurance? There are several reasons why Harbor Springs car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Harbor Springs, Michigan.

Car Theft in Harbor Springs

High levels of vehicle theft can make car insurance more expensive. Harbor Springs, MI car theft statistics from the FBI indicate 0 vehicle thefts a year.

Commute Time in Harbor Springs

The more time you spend in your car the higher the risk of an accident. The average commute length in Harbor Springs, MI is 16.4 minutes according to City-Data.

Compare Car Insurance Quotes in Harbor Springs, MI

Ready to find affordable Harbor Springs, Michigan car insurance today? Enter your ZIP code for fast, free Harbor Springs, MI car insurance quotes.

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