Best Cheap Auto Insurance in Harsens Island, MI (2021)

The average Harsens Island, MI auto insurance rates are $896 per month. The minimum auto insurance in Harsens Island is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Harsens Island, Michigan, compare quotes from multiple companies.

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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.

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Harsens Island, Michigan is 20/40/10
  • The most expensive auto insurance company in Harsens Island for teen drivers is Allstate
  • Average auto insurance rates in Harsens Island, MI for senior drivers are $7,025 per year

Harsens Island, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Harsens Island 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 Harsens Island, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Harsens Island to other Michigan cities, including Dearborn auto insurance rates, Grand Rapids auto insurance rates, and Sterling Heights auto insurance rates to see how Harsens Island, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Harsens Island, Michigan

Harsens Island, 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 Harsens Island, Michigan.

Minimum Required Auto Insurance Coverage in Harsens Island, 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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Cheap Harsens Island, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Harsens Island, 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 Harsens Island, 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 $16,974 $16,974 $15,710 $15,710 $43,260 $43,260 $17,903 $17,903
Farmers $4,375 $4,375 $4,071 $4,071 $10,352 $10,352 $4,921 $4,921
GEICO $4,103 $4,103 $4,217 $4,217 $11,571 $11,571 $3,916 $3,916
Liberty Mutual $15,999 $15,999 $15,844 $15,844 $37,070 $37,070 $15,999 $15,999
Nationwide $5,224 $5,224 $4,643 $4,643 $14,083 $14,083 $5,749 $5,749
Progressive $3,280 $3,025 $2,907 $3,252 $12,464 $13,296 $3,820 $3,502
State Farm $8,949 $8,949 $8,359 $8,359 $32,248 $32,248 $10,533 $10,533
Travelers $5,580 $5,580 $4,791 $4,791 $16,837 $16,837 $6,061 $6,061
USAA $2,745 $2,592 $2,582 $2,430 $6,817 $6,468 $3,349 $3,203

Cheap Harsens Island, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Harsens Island, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,260 $43,260
Farmers $10,352 $10,352
GEICO $11,571 $11,571
Liberty Mutual $37,070 $37,070
Nationwide $14,083 $14,083
Progressive $12,464 $13,296
State Farm $32,248 $32,248
Travelers $16,837 $16,837
USAA $6,817 $6,468

Cheap Harsens Island, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Harsens Island, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,710 $15,710
Farmers $4,071 $4,071
GEICO $4,217 $4,217
Liberty Mutual $15,844 $15,844
Nationwide $4,643 $4,643
Progressive $2,907 $3,252
State Farm $8,359 $8,359
Travelers $4,791 $4,791
USAA $2,582 $2,430

Cheap Harsens Island, 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 Harsens Island, Michigan compared to the annual auto insurance rates with a clean record in Harsens Island, Michigan.

Annual Harsens Island, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,358 $15,150 $51,370 $15,969
Farmers $4,982 $6,363 $6,273 $6,100
GEICO $2,060 $4,431 $13,471 $3,846
Liberty Mutual $14,437 $17,741 $33,989 $18,745
Nationwide $6,329 $8,525 $7,704 $7,141
Progressive $4,813 $6,360 $5,703 $5,897
State Farm $9,376 $11,340 $25,087 $14,286
Travelers $5,616 $8,033 $12,980 $6,641
USAA $3,031 $3,793 $4,964 $3,305

Cheap Harsens Island, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Harsens Island, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $51,370
Farmers $6,273
GEICO $13,471
Liberty Mutual $33,989
Nationwide $7,704
Progressive $5,703
State Farm $25,087
Travelers $12,980
USAA $4,964

Cheap Harsens Island, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Harsens Island, Michigan

Insurance Company Poor Fair Good
Allstate $35,499 $19,700 $15,187
Farmers $7,733 $5,221 $4,834
GEICO $7,655 $5,626 $4,576
Liberty Mutual $33,591 $19,394 $10,699
Nationwide $9,331 $7,009 $5,934
Progressive $6,552 $5,536 $4,992
State Farm $24,411 $12,316 $8,340
Travelers $8,523 $8,267 $8,163
USAA $5,654 $3,220 $2,446

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Cheap Harsens Island, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Harsens Island, Michigan

ZIP Code Average Annual Rates
48028 $7,543

Cheap Harsens Island, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Harsens Island, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $23,462 $23,462
Farmers $5,930 $5,930
GEICO $5,819 $6,085
Liberty Mutual $20,512 $21,944
Nationwide $7,425 $7,425
Progressive $5,693 $5,693
State Farm $14,607 $15,437
Travelers $8,270 $8,365
USAA $3,730 $3,817

Cheap Harsens Island, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Harsens Island, Michigan? Check out the comparison of annual Harsens Island, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Harsens Island, Michigan

Insurance Company Low Medium High
Allstate $22,887 $23,513 $23,986
Farmers $5,705 $5,908 $6,176
GEICO $5,533 $5,896 $6,427
Liberty Mutual $20,718 $21,178 $21,787
Nationwide $7,722 $7,312 $7,240
Progressive $5,480 $5,703 $5,897
State Farm $14,208 $15,123 $15,736
Travelers $8,230 $8,325 $8,397
USAA $3,666 $3,782 $3,872

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Best By Category: Cheapest Auto Insurance in Harsens Island, Michigan

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

Best Annual Auto Insurance Rates by Company in Harsens Island, Michigan

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

The Cheapest Harsens Island, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Harsens Island, Michigan

Insurance Company Average Annual Rates
Allstate $23,462
Farmers $5,930
GEICO $5,952
Liberty Mutual $21,228
Nationwide $7,425
Progressive $5,693
State Farm $15,022
Travelers $8,317
USAA $3,773

Compare Harsens Island, Michigan Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

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