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Get Cheap Car Insurance in Benton Harbor, MI
We monitor insurance prices, helping the average driver in Benton Harbor save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Benton Harbor
The chart below shows the cheapest car insurance company in Benton Harbor for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| Benton Harbor Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $115 |
| Progressive | $132 |
| State Farm | $133 |
| Safeco Insurance | $140 |
Savings for Every Kind of Benton Harbor Driver
Based on our extensive insurance data, we know the average Benton Harbor driver will save about 40% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $1,249 per year by choosing the right vehicle insurance company. Some Benton Harbor residents are paying out over $3,109 extra every year for auto insurance in Benton Harbor. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Benton Harbor, MI Savings / Yr. |
|---|---|
$1,249 |
|
$2,040 |
|
$1,805 |
|
$2,743 |
|
$3,237 |
|
$0 |
|
$0 |
Benton Harbor Car Insurance vs. Michigan
People living in Benton Harbor pay an average of 7.25% more than the typical driver in the state. The average driver in Benton Harbor can expect to pay about $2,362 per year, or $3,109 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Benton Harbor for most people.
Car Insurance Prices by Benton Harbor Neighborhood
Insurance Prices
Where is insurance cheapest within Benton Harbor?
The map shows insurance prices in and around Benton Harbor, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $957 per year within the city boundaries, with insurance premiums ranging from a high of $3,554 to a low of $2,597. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northeast parts of Benton Harbor.Pick the Best Car Insurance Company for You in Benton Harbor
The best car insurance provider for most drivers in Benton Harbor
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,249 over the average Benton Harbor car insurance company.
The best car insurance provider for Benton Harbor drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $2,040 over the competition.
The best car insurance company for Benton Harbor drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,805 better than other car insurance companies.
The best auto insurance for Benton Harbor drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,743 less each year.
The least expensive car insurance company for new and young drivers in Benton Harbor
In Benton Harbor, Geico costs young drivers $3,237 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Benton Harbor
The cheapest car insurance in Benton Harbor for drivers with bad credit
The best Benton Harbor car insurance company for customer service
Nationwide was the best company for customer service in Benton Harbor according to the NAIC.
Recent price drops
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The cheapest large national provider in Benton Harbor
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Benton Harbor driver can expect to pay about $163 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Benton Harbor, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around Benton Harbor
What Influences the Cost of Car Insurance in Benton Harbor?
On average, car insurance in Benton Harbor is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Michigan state insurance regulations may require higher prices.
- An average of 12 to 13 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Benton Harbor is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Benton Harbor is $197 per month for minimum coverage and $259 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Benton Heights: Insurance costs 5.47% more
- Fair Plain: Insurance costs 1.93% less
- Pearl Grange: Insurance costs 10.81% less
- Twelve Corners: Insurance costs 10.45% less
- St. Joseph: Insurance costs 14.28% less
- Sodus: Insurance costs 13.67% less
- Spinks Corners: Insurance costs 14.51% less
- Shoreham: Insurance costs 21.23% less
- Shanghai Corners: Insurance costs 15.02% less
- Lake Michigan Beach: Insurance costs 12.42% less
Cities with Similar Populations
- Point Pleasant: Insurance costs 43.97% less
- Farmington: Insurance costs 36.67% less
- Farmingville: Insurance costs 15.12% less
- Fillmore: Insurance costs 31.84% less
- Red Hill: Insurance costs 46.57% less
- Forest City: Insurance costs 59.67% less
- Prineville: Insurance costs 54.10% less
- Powhatan: Insurance costs 61.47% less
- Portland: Insurance costs 46.48% less
- Port Wentworth: Insurance costs 42.68% less