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Get Cheap Car Insurance in Harbor Beach, MI
We monitor insurance prices, helping the average driver in Harbor Beach save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Harbor Beach
The chart below shows the cheapest car insurance company in Harbor Beach 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.
| Harbor Beach Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $105 |
| Progressive | $120 |
| State Farm | $121 |
| Safeco Insurance | $128 |
Savings for Every Kind of Harbor Beach Driver
Based on our extensive insurance data, we know the average Harbor Beach 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 $1,138 per year by choosing the right vehicle insurance company. Some Harbor Beach residents are paying out over $2,831 extra every year for auto insurance in Harbor Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Harbor Beach, MI Savings / Yr. |
|---|---|
$1,138 |
|
$1,857 |
|
$1,644 |
|
$2,498 |
|
$2,947 |
|
$0 |
|
$0 |
Harbor Beach Car Insurance vs. Michigan
People living in Harbor Beach pay an average of 2.34% less than the typical driver in the state. The average driver in Harbor Beach can expect to pay about $2,150 per year, or $2,831 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Harbor Beach for most people.
Car Insurance Prices by Harbor Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Harbor Beach?
The map shows insurance prices in and around Harbor Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $115 per year within the city boundaries, with insurance premiums ranging from a high of $2,906 to a low of $2,791. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Harbor Beach.Pick the Best Car Insurance Company for You in Harbor Beach
The best car insurance provider for most drivers in Harbor Beach
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,138 over the average Harbor Beach car insurance company.
The best car insurance provider for Harbor Beach 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 $1,857 over the competition.
The best car insurance company for Harbor Beach drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,644 better than other car insurance companies.
The best auto insurance for Harbor Beach drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,498 less each year.
The least expensive car insurance company for new and young drivers in Harbor Beach
In Harbor Beach, Geico costs young drivers $2,947 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Harbor Beach
The cheapest car insurance in Harbor Beach for drivers with bad credit
The best Harbor Beach car insurance company for customer service
Nationwide was the best company for customer service in Harbor Beach according to the NAIC.
Recent price drops
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The cheapest large national provider in Harbor Beach
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Harbor Beach 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 Harbor Beach, 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 Harbor Beach
What Influences the Cost of Car Insurance in Harbor Beach?
On average, car insurance in Harbor Beach is actually less expensive than the rest of the state. These low 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:
- The average commute time in Harbor Beach is 22 minutes, which is far less than average for a driver in the state.
- Michigan state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Harbor Beach is one of the most densely populated areas 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 Harbor Beach is $179 per month for minimum coverage and $236 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
- Ruth: Insurance costs 0.49% less
- Port Hope: Insurance costs 1.27% more
- Redman: Insurance costs 0.04% more
- Verona: Insurance costs 1.59% less
- Rapson: Insurance costs 0.07% less
- Forestville: Insurance costs 1.77% more
- Minden City: Insurance costs 1.38% more
- Tyre: Insurance costs 1.20% more
- Palms: Insurance costs 1.02% more
- Bad Axe: Insurance costs 0.04% less
Cities with Similar Populations
- Amboy: Insurance costs 50.05% less
- Antlers: Insurance costs 39.28% less
- Auberry: Insurance costs 33.70% less
- Buffalo: Insurance costs 42.35% less
- Covelo: Insurance costs 35.82% less
- Exmore: Insurance costs 57.79% less
- Flandreau: Insurance costs 44.86% less
- Forest: Insurance costs 61.50% less
- Greenfield: Insurance costs 52.31% less
- Mannington: Insurance costs 47.51% less