Buy Cheap Harbert, MI Auto Insurance (2022)

Harbert, MI auto insurance rates average $720 a month. Minimum auto insurance requirements in Harbert, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Harbert, MI, compare Harbert auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Harbert, MI are $720/month
  • Average auto insurance rates in Harbert, MI for teens drivers are $16,278/year
  • The most expensive auto insurance company in Harbert is Allstate

Finding affordable Harbert, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Harbert, MI auto insurance with confidence is right here. Auto insurance rates in Harbert are affected by local factors as well as personal ones like your driving record.

See how Harbert, MI car insurance rates compare to Warren auto insurance rates, Detroit auto insurance rates, and Dearborn auto insurance rates before you read more about the cost of auto insurance in Harbert.

Don’t buy Harbert, MI auto insurance until you’ve compared rates. Get free Harbert, Michigan auto insurance quotes when you enter your ZIP code above.

Harbert, MI Minimum Auto Insurance Requirements

The required auto insurance in Harbert, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Harbert, Michigan is outlined here.

Minimum Required Auto Insurance Coverage in Harbert, 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

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Find Cheap Harbert, MI Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Harbert, MI. Take a look at Harbert, Michigan auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Harbert, Michigan

Insurance Company Poor Fair Good
Allstate $30,165 $16,740 $12,783
Farmers $6,683 $4,455 $4,116
GEICO $6,248 $4,601 $3,749
Liberty Mutual $25,550 $14,772 $8,173
Nationwide $8,730 $6,567 $5,565
Progressive $5,822 $4,906 $4,425
State Farm $15,499 $7,862 $5,353
Travelers $6,813 $6,608 $6,525
USAA $5,208 $2,984 $2,274

Buy Cheap Harbert, MI Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Harbert, Michigan auto insurance rates? Find out how car insurance rates in Harbert, MI are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Harbert, 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 $14,600 $14,600 $13,590 $13,590 $36,020 $36,020 $15,375 $15,375
Farmers $3,826 $3,826 $3,568 $3,568 $8,635 $8,635 $4,310 $4,310
GEICO $3,306 $3,306 $3,398 $3,398 $9,596 $9,596 $3,165 $3,165
Liberty Mutual $12,179 $12,179 $12,062 $12,062 $28,240 $28,240 $12,179 $12,179
Nationwide $4,901 $4,901 $4,360 $4,360 $13,163 $13,163 $5,390 $5,390
Progressive $2,966 $2,756 $2,624 $2,925 $10,886 $11,607 $3,451 $3,191
State Farm $5,783 $5,783 $5,375 $5,375 $20,337 $20,337 $6,791 $6,791
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,565 $2,424 $2,416 $2,279 $6,230 $5,899 $3,117 $2,981

Buy Cheap Harbert, MI Auto Insurance for Teen Drivers

Auto insurance for teenagers in Harbert can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Harbert, MI are listed here.

Annual Auto Insurance Rates for Teen Drivers in Harbert, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,020 $36,020
Farmers $8,635 $8,635
GEICO $9,596 $9,596
Liberty Mutual $28,240 $28,240
Nationwide $13,163 $13,163
Progressive $10,886 $11,607
State Farm $20,337 $20,337
Travelers $13,395 $13,395
USAA $6,230 $5,899

Buy Cheap Harbert, MI Auto Insurance for Seniors

You can save on senior auto insurance rates in Harbert, Michigan by comparing Harbert senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Harbert, MI here.

Annual Auto Insurance Rates for Senior Drivers in Harbert, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,590 $13,590
Farmers $3,568 $3,568
GEICO $3,398 $3,398
Liberty Mutual $12,062 $12,062
Nationwide $4,360 $4,360
Progressive $2,624 $2,925
State Farm $5,375 $5,375
Travelers $3,858 $3,858
USAA $2,416 $2,279

Find Cheap Auto Insurance Rates in Harbert, MI by Coverage Level

The amount of coverage you choose is a big factor in the cost of Harbert, Michigan auto insurance. Compare Harbert, MI auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Harbert, Michigan

Insurance Company Low Medium High
Allstate $19,285 $19,950 $20,453
Farmers $4,977 $5,075 $5,202
GEICO $4,510 $4,818 $5,270
Liberty Mutual $15,685 $16,118 $16,693
Nationwide $7,234 $6,848 $6,779
Progressive $4,879 $5,059 $5,215
State Farm $9,102 $9,629 $9,983
Travelers $6,575 $6,656 $6,715
USAA $3,369 $3,500 $3,599

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Find Cheap Harbert, MI Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Harbert. Compare auto insurance rates in Harbert, MI by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Harbert, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,896 $19,896
Farmers $5,085 $5,085
GEICO $4,758 $4,974
Liberty Mutual $15,619 $16,711
Nationwide $6,954 $6,954
Progressive $5,051 $5,051
State Farm $9,317 $9,826
Travelers $6,611 $6,686
USAA $3,449 $3,529

Find Cheap Harbert, MI Auto Insurance Rates by Driving Record

Auto insurance rates in Harbert, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Harbert, MI, take a look at the average cost for various violations versus rates for a clean driving record in Harbert.

Annual Harbert, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,604 $12,880 $43,593 $13,507
Farmers $4,269 $5,444 $5,372 $5,253
GEICO $1,696 $3,632 $10,981 $3,155
Liberty Mutual $11,060 $13,540 $25,747 $14,313
Nationwide $5,932 $7,980 $7,214 $6,689
Progressive $4,283 $5,624 $5,059 $5,238
State Farm $6,061 $7,282 $15,830 $9,114
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,808 $3,502 $4,588 $3,058

Find Cheap Harbert, MI Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Harbert, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Harbert for less when you shop around and compare rates from multiple Harbert, MI auto insurance companies.

Annual Auto Insurance Rates After a DUI in Harbert, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $43,593
Farmers $5,372
GEICO $10,981
Liberty Mutual $25,747
Nationwide $7,214
Progressive $5,059
State Farm $15,830
Travelers $10,331
USAA $4,588

Winners by Category: Where to Buy Cheap Auto Insurance in Harbert, MI

Compare rates from the cheapest auto insurance companies in Harbert, MI for your needs. Take a look at how Harbert, Michigan auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Harbert, 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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Find Cheap Harbert, Michigan Auto Insurance Companies

If you’re looking for the cheapest Harbert, MI auto insurance companies overall, you can compare them here. Find the best price for Harbert, Michigan car insurance by company.

Average Annual Auto Insurance Rates by Company in Harbert, Michigan

Insurance Company Average Annual Rates
Allstate $19,896
Farmers $5,085
GEICO $4,866
Liberty Mutual $16,165
Nationwide $6,954
Progressive $5,051
State Farm $9,571
Travelers $6,649
USAA $3,489

What affects Harbert, Michigan auto insurance rates?

Local factors affect auto insurance rates in Harbert, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Harbert auto insurance rates.

Commute Times in Harbert

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Harbert, MI is 38.3 minutes according to City-Data.

Compare Auto Insurance Quotes in Harbert, MI

You can buy cheap Harbert, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Harbert, Michigan auto insurance quotes from top companies.

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