Buy Cheap Harper Woods, MI Auto Insurance (2022)

Harper Woods, MI auto insurance rates average $1,602 a month. Minimum auto insurance requirements in Harper Woods, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Harper Woods, MI, compare Harper Woods 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

  • The most expensive auto insurance company in Harper Woods is Farmers
  • Average auto insurance rates in Harper Woods, MI are $1,602/month
  • Average auto insurance rates in Harper Woods, MI after a DUI are $30,311/year

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

See how Harper Woods, MI car insurance rates compare to Lansing auto insurance rates, Flint auto insurance rates, and Grand Rapids auto insurance rates before you read more about the cost of auto insurance in Harper Woods.

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

Harper Woods, MI Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Harper Woods, 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 Harper Woods, MI Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Harper Woods, Michigan

Insurance Company Poor Fair Good
Allstate $48,972 $27,054 $20,657
Farmers $61,113 $31,407 $29,076
GEICO $19,624 $14,338 $11,604
Liberty Mutual $38,865 $22,426 $12,361
Nationwide $10,218 $7,642 $6,470
Progressive $10,046 $8,347 $7,417
State Farm $45,719 $22,966 $15,488
Travelers $11,437 $11,087 $10,945
USAA $6,930 $3,930 $2,943

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Harper Woods, 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 $23,517 $23,517 $21,826 $21,826 $58,783 $58,783 $24,785 $24,785
Farmers $31,564 $31,564 $29,110 $29,110 $65,865 $65,865 $35,589 $35,589
GEICO $11,107 $11,107 $11,257 $11,257 $27,860 $27,860 $10,530 $10,530
Liberty Mutual $18,276 $18,276 $18,091 $18,091 $43,560 $43,560 $18,276 $18,276
Nationwide $5,729 $5,729 $5,073 $5,073 $15,341 $15,341 $6,296 $6,296
Progressive $5,130 $4,705 $4,479 $5,109 $18,537 $19,476 $5,996 $5,394
State Farm $16,701 $16,701 $15,652 $15,652 $60,256 $60,256 $19,621 $19,621
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $3,403 $3,170 $3,203 $2,988 $8,306 $7,748 $4,115 $3,875

Buy Cheap Harper Woods, MI Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Harper Woods, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $58,783 $58,783
Farmers $65,865 $65,865
GEICO $27,860 $27,860
Liberty Mutual $43,560 $43,560
Nationwide $15,341 $15,341
Progressive $18,537 $19,476
State Farm $60,256 $60,256
Travelers $22,645 $22,645
USAA $8,306 $7,748

Buy Cheap Harper Woods, MI Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Harper Woods, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $21,826 $21,826
Farmers $29,110 $29,110
GEICO $11,257 $11,257
Liberty Mutual $18,091 $18,091
Nationwide $5,073 $5,073
Progressive $4,479 $5,109
State Farm $15,652 $15,652
Travelers $6,400 $6,400
USAA $3,203 $2,988

Find Cheap Auto Insurance Rates in Harper Woods, MI by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Harper Woods, Michigan

Insurance Company Low Medium High
Allstate $31,363 $32,305 $33,014
Farmers $39,425 $40,416 $41,756
GEICO $14,482 $15,079 $16,004
Liberty Mutual $23,898 $24,485 $25,269
Nationwide $8,473 $7,977 $7,880
Progressive $8,315 $8,614 $8,881
State Farm $26,277 $28,278 $29,617
Travelers $11,055 $11,166 $11,247
USAA $4,469 $4,613 $4,721

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Find Cheap Harper Woods, MI Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Harper Woods, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $32,228 $32,228
Farmers $40,532 $40,532
GEICO $14,830 $15,547
Liberty Mutual $23,691 $25,410
Nationwide $8,110 $8,110
Progressive $8,603 $8,603
State Farm $27,225 $28,890
Travelers $11,092 $11,221
USAA $4,546 $4,656

Find Cheap Harper Woods, MI Auto Insurance Rates by Driving Record

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

Annual Harper Woods, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $15,625 $20,883 $70,473 $21,930
Farmers $33,872 $43,551 $42,845 $41,862
GEICO $5,328 $11,220 $34,366 $9,840
Liberty Mutual $17,369 $20,798 $37,931 $22,106
Nationwide $6,911 $9,285 $8,434 $7,810
Progressive $7,190 $9,629 $8,642 $8,952
State Farm $17,591 $21,231 $46,716 $26,692
Travelers $7,561 $10,789 $17,326 $8,948
USAA $3,685 $4,634 $6,064 $4,020

Find Cheap Harper Woods, MI Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Harper Woods, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $70,473
Farmers $42,845
GEICO $34,366
Liberty Mutual $37,931
Nationwide $8,434
Progressive $8,642
State Farm $46,716
Travelers $17,326
USAA $6,064

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

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

Best Annual Auto Insurance Rates by Company in Harper Woods, Michigan

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

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Find Cheap Harper Woods, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Harper Woods, Michigan

Insurance Company Average Annual Rates
Allstate $32,228
Farmers $40,532
GEICO $15,189
Liberty Mutual $24,551
Nationwide $8,110
Progressive $8,603
State Farm $28,058
Travelers $11,156
USAA $4,601

What affects Harper Woods, Michigan auto insurance rates?

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

Auto Theft in Harper Woods

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Harper Woods, MI auto theft show a total of 115 vehicle thefts annually.

Commute Times in Harper Woods

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Harper Woods, MI is 26.1 minutes according to City-Data.

Compare Auto Insurance Quotes in Harper Woods, MI

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

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