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Get Cheap Car Insurance in Harbor Springs, MI
We monitor insurance prices, helping the average driver in Harbor Springs save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Harbor Springs
The chart below shows the cheapest car insurance company in Harbor Springs 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 Springs Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $103 |
| Progressive | $117 |
| State Farm | $118 |
| Safeco Insurance | $125 |
Savings for Every Kind of Harbor Springs Driver
Based on our extensive insurance data, we know the average Harbor Springs 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 $1,114 per year by choosing the right vehicle insurance company. Some Harbor Springs residents are paying out over $2,772 extra every year for auto insurance in Harbor Springs. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Harbor Springs, MI Savings / Yr. |
|---|---|
$1,114 |
|
$1,819 |
|
$1,609 |
|
$2,446 |
|
$2,886 |
|
$0 |
|
$0 |
Harbor Springs Car Insurance vs. Michigan
People living in Harbor Springs pay an average of 4.38% less than the typical driver in the state. The average driver in Harbor Springs can expect to pay about $2,106 per year, or $2,772 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Harbor Springs for most people.
Car Insurance Prices by Harbor Springs Neighborhood
Insurance Prices
Where is insurance cheapest within Harbor Springs?
The map shows insurance prices in and around Harbor Springs, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $189 per year within the city boundaries, with insurance premiums ranging from a high of $2,871 to a low of $2,682. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of Harbor Springs.Pick the Best Car Insurance Company for You in Harbor Springs
The best car insurance provider for most drivers in Harbor Springs
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,114 over the average Harbor Springs car insurance company.
The best car insurance provider for Harbor Springs 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 $1,819 over the competition.
The best car insurance company for Harbor Springs drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,609 better than other car insurance companies.
The best auto insurance for Harbor Springs drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,446 less each year.
The least expensive car insurance company for new and young drivers in Harbor Springs
In Harbor Springs, Geico costs young drivers $2,886 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Harbor Springs
The cheapest car insurance in Harbor Springs for drivers with bad credit
The best Harbor Springs car insurance company for customer service
Nationwide was the best company for customer service in Harbor Springs according to the NAIC.
Recent price drops
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The cheapest large national provider in Harbor Springs
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Harbor Springs 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 Springs, 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 Springs
What Influences the Cost of Car Insurance in Harbor Springs?
On average, car insurance in Harbor Springs 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 Springs is 24 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 very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Harbor Springs 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 Harbor Springs is $175 per month for minimum coverage and $231 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
- Middle Village: Insurance costs 1.08% more
- Oden: Insurance costs 1.62% less
- Conway: Insurance costs 0.94% less
- Petoskey: Insurance costs the same
- Bay Shore: Insurance costs 0.11% more
- Alanson: Insurance costs 0.83% less
- Pellston: Insurance costs 1.48% less
- Cross Village: Insurance costs 0.07% more
- Zenith Heights: Insurance costs 1.23% less
- Epsilon: Insurance costs 3.46% less
Cities with Similar Populations
- North Branch: Insurance costs 6.96% more
- Northwood: Insurance costs 61.04% less
- Northumberland: Insurance costs 54.51% less
- North Sioux City: Insurance costs 44.95% less
- North Patchogue: Insurance costs 6.31% less
- North Manchester: Insurance costs 57.94% less
- North Hobbs: Insurance costs 48.70% less
- North Grafton: Insurance costs 43.61% less
- North Caldwell: Insurance costs 34.60% less
- North Branford: Insurance costs 30.88% less