Best Cheap Auto Insurance in South Haven, MI (2021)

The average South Haven, MI auto insurance rates are $767 per month. The minimum auto insurance in South Haven is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in South Haven, Michigan, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 South Haven is USAA
  • The most expensive auto insurance company in South Haven for teen drivers is Allstate
  • Average auto insurance rates in South Haven, MI for senior drivers are $6,131 per year

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

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

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

Minimum Auto Insurance in South Haven, Michigan

South Haven, 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 South Haven, Michigan.

Minimum Required Auto Insurance Coverage in South Haven, 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 South Haven, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in South Haven, 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 South Haven, 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 $16,968 $16,968 $15,777 $15,777 $41,991 $41,991 $17,873 $17,873
Farmers $4,047 $4,047 $3,780 $3,780 $8,938 $8,938 $4,546 $4,546
GEICO $3,717 $3,717 $3,803 $3,803 $10,683 $10,683 $3,559 $3,559
Liberty Mutual $14,212 $14,212 $14,072 $14,072 $33,292 $33,292 $14,212 $14,212
Nationwide $3,942 $3,942 $3,505 $3,505 $10,508 $10,508 $4,327 $4,327
Progressive $2,814 $2,612 $2,490 $2,783 $10,160 $10,789 $3,266 $3,007
State Farm $5,824 $5,824 $5,383 $5,383 $20,183 $20,183 $6,834 $6,834
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,587 $2,431 $2,439 $2,291 $6,254 $5,884 $3,129 $2,973

Cheap South Haven, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in South Haven, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,991 $41,991
Farmers $8,938 $8,938
GEICO $10,683 $10,683
Liberty Mutual $33,292 $33,292
Nationwide $10,508 $10,508
Progressive $10,160 $10,789
State Farm $20,183 $20,183
Travelers $13,395 $13,395
USAA $6,254 $5,884

Cheap South Haven, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in South Haven, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,777 $15,777
Farmers $3,780 $3,780
GEICO $3,803 $3,803
Liberty Mutual $14,072 $14,072
Nationwide $3,505 $3,505
Progressive $2,490 $2,783
State Farm $5,383 $5,383
Travelers $3,858 $3,858
USAA $2,439 $2,291

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

Annual South Haven, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,217 $15,012 $50,635 $15,745
Farmers $4,481 $5,701 $5,632 $5,498
GEICO $1,898 $4,052 $12,280 $3,531
Liberty Mutual $13,116 $15,937 $29,856 $16,880
Nationwide $4,779 $6,351 $5,780 $5,371
Progressive $4,022 $5,275 $4,746 $4,917
State Farm $6,113 $7,310 $15,694 $9,107
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,815 $3,517 $4,595 $3,066

Cheap South Haven, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in South Haven, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $50,635
Farmers $5,632
GEICO $12,280
Liberty Mutual $29,856
Nationwide $5,780
Progressive $4,746
State Farm $15,694
Travelers $10,331
USAA $4,595

Cheap South Haven, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in South Haven, Michigan

Insurance Company Poor Fair Good
Allstate $35,162 $19,459 $14,836
Farmers $7,049 $4,647 $4,287
GEICO $6,992 $5,143 $4,186
Liberty Mutual $29,969 $17,310 $9,563
Nationwide $6,950 $5,268 $4,492
Progressive $5,470 $4,604 $4,146
State Farm $15,473 $7,850 $5,345
Travelers $6,813 $6,608 $6,525
USAA $5,224 $2,996 $2,275

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Cheap South Haven, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in South Haven, Michigan

ZIP Code Average Annual Rates
49090 $6,438

Cheap South Haven, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in South Haven, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $23,152 $23,152
Farmers $5,328 $5,328
GEICO $5,318 $5,563
Liberty Mutual $18,299 $19,596
Nationwide $5,570 $5,570
Progressive $4,740 $4,740
State Farm $9,307 $9,805
Travelers $6,611 $6,686
USAA $3,458 $3,539

Cheap South Haven, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in South Haven, Michigan

Insurance Company Low Medium High
Allstate $22,505 $23,210 $23,742
Farmers $5,198 $5,316 $5,469
GEICO $5,094 $5,393 $5,833
Liberty Mutual $18,547 $18,909 $19,386
Nationwide $5,814 $5,480 $5,417
Progressive $4,602 $4,746 $4,872
State Farm $9,121 $9,609 $9,938
Travelers $6,575 $6,656 $6,715
USAA $3,385 $3,508 $3,602

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Best By Category: Cheapest Auto Insurance in South Haven, Michigan

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

Best Annual Auto Insurance Rates by Company in South Haven, 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 South Haven, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in South Haven, Michigan

Insurance Company Average Annual Rates
Allstate $23,152
Farmers $5,328
GEICO $5,440
Liberty Mutual $18,947
Nationwide $5,570
Progressive $4,740
State Farm $9,556
Travelers $6,649
USAA $3,498

What affects auto insurance rates in South Haven, Michigan?

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

South Haven Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual South Haven, Michigan auto theft statistics, there have been 6 auto thefts in the city.

South Haven Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average South Haven, Michigan commute length is 19.1 minutes according to City-Data.

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Compare South Haven, Michigan Auto Insurance Quotes

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