Best Cheap Auto Insurance in Hart, MI (2021)

The average Hart, MI auto insurance rates are $775 per month. The minimum auto insurance in Hart is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Hart, 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 cheapest auto insurance company in Hart is USAA
  • The minimum auto insurance required in Hart, Michigan is 20/40/10
  • The average commute length in Hart is 14.7 minutes

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

Compare auto insurance in Hart to other Michigan cities, including Ann Arbor auto insurance rates, Flint auto insurance rates, and Dearborn auto insurance rates to see how Hart, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Hart, Michigan

Hart, 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 Hart, Michigan.

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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Cheap Hart, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Hart, 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 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

Cheap Hart, Michigan Auto Insurance for Teen Drivers

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

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

Cheap Hart, Michigan Auto Insurance for Seniors

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

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

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

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

Cheap Hart, Michigan Auto Insurance Rates After a DUI

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

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

Cheap Hart, Michigan Auto Insurance By Credit History

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

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

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Cheap Hart, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hart, Michigan

ZIP Code Average Annual Rates
49420 $6,508

Cheap Hart, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Hart, Michigan

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

Cheap Hart, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Hart, Michigan? Check out the comparison of annual Hart, Michigan 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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Best By Category: Cheapest Auto Insurance in Hart, Michigan

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

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

The Cheapest Hart, Michigan Auto Insurance Companies

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

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 auto insurance rates in Hart, Michigan?

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

Hart Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Hart, Michigan auto theft statistics, there have been 3 auto thefts in the city.

Hart Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hart, Michigan commute length is 14.7 minutes according to City-Data.

Hart Traffic

How does Hart, Michigan rank for traffic? According to Inrix Hart, Michigan is the 292nd most congested worldwide.

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Compare Hart, Michigan Auto Insurance Quotes

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