Buy Cheap Hart, MI Auto Insurance (2022)

Hart, MI auto insurance rates average $775 a month. Minimum auto insurance requirements in Hart, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Hart, MI, compare Hart 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 Hart, MI are $775/month
  • The most expensive auto insurance company in Hart is Allstate
  • Average auto insurance rates in Hart, MI for teens drivers are $17,518/year

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

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

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

Hart, MI Minimum Auto Insurance Requirements

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

Minimum Required Auto 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

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Find Cheap Hart, MI Auto Insurance by Credit History

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

Annual Auto 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

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

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

Annual Auto 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

Buy Cheap Hart, MI Auto Insurance for Teen Drivers

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

Annual Auto 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

Buy Cheap Hart, MI Auto Insurance for Seniors

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

Annual Auto 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

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

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

Annual Auto 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

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Find Cheap Hart, MI Auto Insurance Rates by Commute

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

Annual Auto 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

Find Cheap Hart, MI Auto Insurance Rates by Driving Record

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

Annual Hart, Michigan Auto 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

Find Cheap Hart, MI Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hart, Michigan

Insurance Company Annual Auto 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

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

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

Best Annual Auto 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

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Find Cheap Hart, Michigan Auto Insurance Companies

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

Average Annual Auto 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

What affects Hart, Michigan auto insurance rates?

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

Auto Theft in Hart

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Hart, MI auto theft show a total of 3 vehicle thefts annually.

Commute Times in Hart

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Hart, MI is 14.7 minutes according to City-Data.

Traffic in Hart

How is traffic in Hart, Michigan? Inrix data shows that Hart, MI traffic makes it the 292nd-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Hart, MI

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

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