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Get Cheap Car Insurance in Harper Woods, MI
We monitor insurance prices, helping the average driver in Harper Woods save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Harper Woods
The chart below shows the cheapest car insurance company in Harper Woods 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.
| Harper Woods Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $141 |
| Progressive | $161 |
| State Farm | $163 |
| Safeco Insurance | $172 |
Savings for Every Kind of Harper Woods Driver
Based on our extensive insurance data, we know the average Harper Woods 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 $1,533 per year by choosing the right vehicle insurance company. Some Harper Woods residents are paying out over $3,816 extra every year for auto insurance in Harper Woods. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Harper Woods, MI Savings / Yr. |
|---|---|
$1,533 |
|
$2,503 |
|
$2,215 |
|
$3,367 |
|
$3,972 |
|
$0 |
|
$0 |
Harper Woods Car Insurance vs. Michigan
People living in Harper Woods pay an average of 31.62% more than the typical driver in the state. The average driver in Harper Woods can expect to pay about $2,898 per year, or $3,816 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Harper Woods for most people.
Car Insurance Prices by Harper Woods Neighborhood
Insurance Prices
Where is insurance cheapest within Harper Woods?
The map shows insurance prices in and around Harper Woods, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,075 per year within the city boundaries, with insurance premiums ranging from a high of $4,415 to a low of $3,340. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Harper Woods.Pick the Best Car Insurance Company for You in Harper Woods
The best car insurance provider for most drivers in Harper Woods
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,533 over the average Harper Woods car insurance company.
The best car insurance provider for Harper Woods 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 $2,503 over the competition.
The best car insurance company for Harper Woods drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $2,215 better than other car insurance companies.
The best auto insurance for Harper Woods drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $3,367 less each year.
The least expensive car insurance company for new and young drivers in Harper Woods
In Harper Woods, Geico costs young drivers $3,972 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Harper Woods
The cheapest car insurance in Harper Woods for drivers with bad credit
The best Harper Woods car insurance company for customer service
Nationwide was the best company for customer service in Harper Woods according to the NAIC.
Recent price drops
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The cheapest large national provider in Harper Woods
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Harper Woods 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 Harper Woods, 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 Harper Woods
What Influences the Cost of Car Insurance in Harper Woods?
On average, car insurance in Harper Woods 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:
- The average commute time in Harper Woods is 31 minutes, which is about the national 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.
- Harper Woods is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Harper Woods is $242 per month for minimum coverage and $318 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
- Grosse Pointe Woods: Insurance costs 18.74% less
- Eastpointe: Insurance costs 1.99% less
- Village of Grosse Pointe Shores: Insurance costs 18.97% less
- Grosse Pointe Farms: Insurance costs 18.21% less
- Grosse Pointe: Insurance costs 11.77% less
- Grosse Pointe Park: Insurance costs 16.46% less
- St. Clair Shores: Insurance costs 18.11% less
- Roseville: Insurance costs 12.00% less
- Center Line: Insurance costs 12.63% less
- Warren: Insurance costs 9.62% less
Cities with Similar Populations
- Lincoln: Insurance costs 62.21% less
- Norwalk: Insurance costs 68.61% less
- Northview: Insurance costs 27.65% less
- Macomb: Insurance costs 61.66% less
- Lugoff: Insurance costs 56.87% less
- Lowell: Insurance costs 29.85% less
- Longmeadow: Insurance costs 59.01% less
- Logan: Insurance costs 70.44% less
- Livingston: Insurance costs 45.70% less
- Live Oak: Insurance costs 53.64% less