Compare Hart, MI Car Insurance Rates (2021)

Car insurance in Hart, MI averages $775 a month. Hart, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Hart car insurance rates, compare quotes from the top car insurance companies in Hart, MI.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.

Here's What You Need to Know

  • The cheapest car insurance company in Hart for teen drivers is USAA
  • Average car insurance rates in Hart, MI are $9,300/year
  • The cheapest car insurance company in Hart is USAA

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

You’ll find Hart car insurance rates, the cheapest Hart, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Hart, Michigan car insurance rates to Flint car insurance rates, Ann Arbor car insurance rates, and Livonia car insurance rates.

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

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

How do age, gender, and marital status affect Hart, MI car insurance rates? Every Hart, 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 Hart, 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 $14,662 $14,662 $13,595 $13,595 $36,860 $36,860 $15,453 $15,453
Farmers $4,247 $4,247 $3,962 $3,962 $9,371 $9,371 $4,768 $4,768
GEICO $3,911 $3,911 $3,958 $3,958 $10,706 $10,706 $3,737 $3,737
Liberty Mutual $14,956 $14,956 $14,804 $14,804 $35,785 $35,785 $14,956 $14,956
Nationwide $4,649 $4,649 $4,126 $4,126 $12,340 $12,340 $5,101 $5,101
Progressive $2,935 $2,748 $2,588 $2,876 $10,504 $11,216 $3,421 $3,193
State Farm $6,500 $6,500 $6,020 $6,020 $22,596 $22,596 $7,623 $7,623
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,545 $2,413 $2,393 $2,263 $6,108 $5,799 $3,094 $2,971

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Hart, MI

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

Minimum Required Car Insurance Coverage in Hart, 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 Hart, MI Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Hart, Michigan

Insurance Company Poor Fair Good
Allstate $30,531 $16,920 $12,976
Farmers $7,384 $4,876 $4,502
GEICO $7,170 $5,273 $4,291
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $8,224 $6,184 $5,254
Progressive $5,699 $4,788 $4,318
State Farm $17,319 $8,772 $5,963
Travelers $6,813 $6,608 $6,525
USAA $5,157 $2,945 $2,243

Cheapest Hart, 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 Hart, MI to rates for a clean record with top companies.

Annual Hart, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,764 $13,040 $44,056 $13,710
Farmers $4,701 $5,978 $5,904 $5,765
GEICO $2,001 $4,157 $12,503 $3,652
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $5,604 $7,485 $6,811 $6,316
Progressive $4,191 $5,482 $4,942 $5,125
State Farm $6,832 $8,172 $17,552 $10,182
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,779 $3,458 $4,529 $3,027

Cheapest Hart, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hart, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,860 $36,860
Farmers $9,371 $9,371
GEICO $10,706 $10,706
Liberty Mutual $35,785 $35,785
Nationwide $12,340 $12,340
Progressive $10,504 $11,216
State Farm $22,596 $22,596
Travelers $13,395 $13,395
USAA $6,108 $5,799

Cheapest Hart, MI Car Insurance for Seniors

Take a look at Hart, 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 Hart, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,595 $13,595
Farmers $3,962 $3,962
GEICO $3,958 $3,958
Liberty Mutual $14,804 $14,804
Nationwide $4,126 $4,126
Progressive $2,588 $2,876
State Farm $6,020 $6,020
Travelers $3,858 $3,858
USAA $2,393 $2,263

Cheapest Hart, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hart, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $44,056
Farmers $5,904
GEICO $12,503
Liberty Mutual $30,874
Nationwide $6,811
Progressive $4,942
State Farm $17,552
Travelers $10,331
USAA $4,529

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Hart, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hart, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,143 $20,143
Farmers $5,587 $5,587
GEICO $5,449 $5,708
Liberty Mutual $19,417 $20,833
Nationwide $6,554 $6,554
Progressive $4,935 $4,935
State Farm $10,398 $10,972
Travelers $6,611 $6,686
USAA $3,409 $3,488

The Best Cheap Car Insurance Companies in Hart, MI

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

Average Annual Car Insurance Rates by Company in Hart, Michigan

Insurance Company Average Annual Rates
Allstate $20,143
Farmers $5,587
GEICO $5,578
Liberty Mutual $20,125
Nationwide $6,554
Progressive $4,935
State Farm $10,685
Travelers $6,649
USAA $3,448

Category Winners: Cheapest Car Insurance in Hart, Michigan

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

Best Annual Car Insurance Rates by Company in Hart, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Hart, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Hart, Michigan

Insurance Company Low Medium High
Allstate $19,702 $20,181 $20,544
Farmers $5,446 $5,574 $5,742
GEICO $5,234 $5,531 $5,970
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $6,869 $6,440 $6,353
Progressive $4,777 $4,942 $5,087
State Farm $10,159 $10,749 $11,146
Travelers $6,575 $6,656 $6,715
USAA $3,352 $3,456 $3,537

What affects car insurance rates in Hart, Michigan?

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

Car Theft in Hart

High levels of vehicle theft can make car insurance more expensive. Hart, MI car theft statistics from the FBI indicate 3 vehicle thefts a year.

Commute Time in Hart

The more time you spend in your car the higher the risk of an accident. The average commute length in Hart, MI is 14.7 minutes according to City-Data.

Traffic in Hart

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Hart, MI traffic data from INRIX ranks Hart as the 292nd-most congested in the world.

Compare Car Insurance Quotes in Hart, MI

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption