Best Cheap Auto Insurance in Harper Woods, MI (2021)

The average Harper Woods, MI auto insurance rates are $1,602 per month. The minimum auto insurance in Harper Woods is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Harper Woods, Michigan, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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.

Things to Remember

  • The minimum auto insurance required in Harper Woods, Michigan is 20/40/10
  • The most expensive auto insurance company in Harper Woods for teen drivers is Farmers
  • Average auto insurance rates in Harper Woods, MI for senior drivers are $12,811 per year

Harper Woods, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Harper Woods can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Harper Woods, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Harper Woods to other Michigan cities, including Flint auto insurance rates, Dearborn auto insurance rates, and Detroit auto insurance rates to see how Harper Woods, Michigan auto insurance rates stack up.

Before you buy Harper Woods, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Harper Woods, Michigan auto insurance quotes.

Minimum Auto Insurance in Harper Woods, Michigan

Harper Woods, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Harper Woods, Michigan.

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Auto insurance rates in Harper Woods, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

Cheap Harper Woods, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Harper Woods, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Harper Woods, Michigan.

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

Cheap Harper Woods, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Harper Woods, Michigan? Take a look at the annual average rates for older drivers.

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

Cheap Harper Woods, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Harper Woods, Michigan compared to the annual auto insurance rates with a clean record in Harper Woods, Michigan.

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

Cheap Harper Woods, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Harper Woods, Michigan is not easy. Compare the annual rates for DUI auto insurance in Harper Woods, Michigan to find the best deal.

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

Cheap Harper Woods, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Harper Woods, Michigan annual auto insurance rates by credit history compare.

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Harper Woods, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Harper Woods, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Harper Woods, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Harper Woods, Michigan

ZIP Code Average Annual Rates
48225 $13,572

Cheap Harper Woods, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Harper Woods, Michigan auto insurance. Find the cheapest annual Harper Woods, Michigan auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Harper Woods, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Harper Woods, Michigan? Check out the comparison of annual Harper Woods, Michigan 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Harper Woods, Michigan

Compare the cheapest auto insurance companies in Harper Woods, Michigan in each category to find the company with the best rates for your personal needs.

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

The Cheapest Harper Woods, Michigan Auto Insurance Companies

What auto insurance companies in Harper Woods, Michigan are the cheapest? Compare the top Harper Woods, Michigan auto insurance companies to find the best annual rates.

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 auto insurance rates in Harper Woods, Michigan?

There are a lot of reasons why auto insurance rates in Harper Woods, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Harper Woods, Michigan. Many local factors may affect your Harper Woods auto insurance rates.

Harper Woods Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Harper Woods, Michigan auto theft statistics, there have been 115 auto thefts in the city.

Harper Woods Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Harper Woods, Michigan commute length is 26.1 minutes according to City-Data.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Harper Woods, Michigan Auto Insurance Quotes

Before you buy Harper Woods, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Harper Woods, Michigan auto insurance quotes.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption