Affordable Car Insurance Rates in Benton Harbor, MI (2021)
Car insurance rates in Benton Harbor, MI are $733/month on average. By law, Michigan drivers need to carry at least 20/40/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Benton Harbor car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- The annual number of car thefts in Benton Harbor is 57.
- Average car insurance rates in Benton Harbor, MI are $733/month
- Average car insurance rates in Benton Harbor, MI for senior drivers are $5,806/year
Average car insurance rates in Benton Harbor, Michigan are $733 a month. But with a little research you can get a great deal from the top car insurance companies in Benton Harbor, MI. Before you buy Benton Harbor, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.
It may even be helpful to compare Benton Harbor car insurance rates with Lansing car insurance rates, Warren car insurance rates, or Flint car insurance rates to make sure you’re getting the best Benton Harbor, MI car insurance quotes available.
Need affordable Benton Harbor, MI car insurance? Enter your ZIP code to compare Benton Harbor car insurance quotes from multiple car insurance companies near you.
Table of Contents
Benton Harbor, MI Minimum Car Insurance Coverage
Benton Harbor, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.
| 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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Benton Harbor, MI Car Insurance Rates by Coverage Level
Some Benton Harbor drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Benton Harbor, Michigan car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $19,285 | $19,950 | $20,453 |
| Farmers | $5,003 | $5,135 | $5,307 |
| GEICO | $5,064 | $5,412 | $5,923 |
| Liberty Mutual | $15,685 | $16,118 | $16,693 |
| Nationwide | $5,202 | $4,962 | $4,927 |
| Progressive | $4,057 | $4,208 | $4,338 |
| State Farm | $9,041 | $9,584 | $9,949 |
| Travelers | $10,035 | $10,152 | $10,234 |
| USAA | $3,466 | $3,601 | $3,703 |
Benton Harbor, MI Car Insurance Rates by Age, Gender, and Marital Status
Benton Harbor, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Benton Harbor, MI car insurance, get quotes from multiple car insurance companies in the Benton Harbor area and see how these criteria affect your rates.
| 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 | $14,600 | $14,600 | $13,590 | $13,590 | $36,020 | $36,020 | $15,375 | $15,375 |
| Farmers | $3,904 | $3,904 | $3,647 | $3,647 | $8,662 | $8,662 | $4,382 | $4,382 |
| GEICO | $3,775 | $3,775 | $3,866 | $3,866 | $10,619 | $10,619 | $3,605 | $3,605 |
| Liberty Mutual | $12,179 | $12,179 | $12,062 | $12,062 | $28,240 | $28,240 | $12,179 | $12,179 |
| Nationwide | $3,607 | $3,607 | $3,225 | $3,225 | $9,344 | $9,344 | $3,947 | $3,947 |
| Progressive | $2,449 | $2,296 | $2,179 | $2,397 | $9,041 | $9,723 | $2,845 | $2,677 |
| State Farm | $5,760 | $5,760 | $5,357 | $5,357 | $20,224 | $20,224 | $6,758 | $6,758 |
| Travelers | $6,786 | $6,786 | $5,815 | $5,815 | $20,584 | $20,584 | $7,377 | $7,377 |
| USAA | $2,632 | $2,482 | $2,480 | $2,335 | $6,444 | $6,093 | $3,199 | $3,053 |
Benton Harbor, MI Car Insurance Rates for Teens
How much is Benton Harbor, Michigan car insurance for teens? Compare rates from top Benton Harbor car insurance companies below to help find the cheapest teen car insurance in Benton Harbor, MI.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $36,020 | $36,020 |
| Farmers | $8,662 | $8,662 |
| GEICO | $10,619 | $10,619 |
| Liberty Mutual | $28,240 | $28,240 |
| Nationwide | $9,344 | $9,344 |
| Progressive | $9,041 | $9,723 |
| State Farm | $20,224 | $20,224 |
| Travelers | $20,584 | $20,584 |
| USAA | $6,444 | $6,093 |
Benton Harbor, MI Car Insurance Rates for Seniors
Before seniors buy Benton Harbor, Michigan car insurance, they should make sure to shop around. Some Benton Harbor, MI car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $13,590 | $13,590 |
| Farmers | $3,647 | $3,647 |
| GEICO | $3,866 | $3,866 |
| Liberty Mutual | $12,062 | $12,062 |
| Nationwide | $3,225 | $3,225 |
| Progressive | $2,179 | $2,397 |
| State Farm | $5,357 | $5,357 |
| Travelers | $5,815 | $5,815 |
| USAA | $2,480 | $2,335 |
Benton Harbor, MI Car Insurance Rates by Credit History
How does your credit history affect Benton Harbor, MI car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $30,165 | $16,740 | $12,783 |
| Farmers | $6,815 | $4,490 | $4,141 |
| GEICO | $7,025 | $5,167 | $4,206 |
| Liberty Mutual | $25,550 | $14,772 | $8,173 |
| Nationwide | $6,277 | $4,756 | $4,058 |
| Progressive | $4,812 | $4,084 | $3,708 |
| State Farm | $15,423 | $7,824 | $5,327 |
| Travelers | $10,393 | $10,078 | $9,951 |
| USAA | $5,363 | $3,070 | $2,336 |
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Benton Harbor, MI Car Insurance Rates by Driver History
How does a single speeding ticket affect your Benton Harbor, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Benton Harbor.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $9,604 | $12,880 | $43,593 | $13,507 |
| Farmers | $4,334 | $5,510 | $5,445 | $5,306 |
| GEICO | $1,916 | $4,076 | $12,326 | $3,548 |
| Liberty Mutual | $11,060 | $13,540 | $25,747 | $14,313 |
| Nationwide | $4,317 | $5,741 | $5,217 | $4,848 |
| Progressive | $3,590 | $4,663 | $4,201 | $4,351 |
| State Farm | $6,042 | $7,253 | $15,734 | $9,071 |
| Travelers | $6,852 | $9,797 | $15,806 | $8,106 |
| USAA | $2,886 | $3,606 | $4,723 | $3,144 |
Benton Harbor, MI Car Insurance Rates With a DUI
Even a single DUI can increase your Benton Harbor, MI car insurance rates. Compare rates below to see which Benton Harbor car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $43,593 |
| Farmers | $5,445 |
| GEICO | $12,326 |
| Liberty Mutual | $25,747 |
| Nationwide | $5,217 |
| Progressive | $4,201 |
| State Farm | $15,734 |
| Travelers | $15,806 |
| USAA | $4,723 |
Benton Harbor, MI Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Benton Harbor, MI car insurance rates may be. Let’s take a look at average car insurance rates from top Benton Harbor companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $19,896 | $19,896 |
| Farmers | $5,149 | $5,149 |
| GEICO | $5,343 | $5,590 |
| Liberty Mutual | $15,619 | $16,711 |
| Nationwide | $5,031 | $5,031 |
| Progressive | $4,201 | $4,201 |
| State Farm | $9,268 | $9,781 |
| Travelers | $10,082 | $10,199 |
| USAA | $3,549 | $3,631 |
Benton Harbor, MI Cheapest Car Insurance Rates
How do the top Benton Harbor, Michigan car insurance companies’ average rates stack up against the Benton Harbor average monthly car insurance rates of $733? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | GEICO |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
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Benton Harbor, MI Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Benton Harbor, Michigan car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $19,896 |
| Farmers | $5,149 |
| GEICO | $5,466 |
| Liberty Mutual | $16,165 |
| Nationwide | $5,031 |
| Progressive | $4,201 |
| State Farm | $9,525 |
| Travelers | $10,140 |
| USAA | $3,590 |
Other Factors Affecting Benton Harbor, MI Car Insurance Rates
Before you buy Benton Harbor, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Benton Harbor, MI Car Theft Rates
The car theft rate in Benton Harbor, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Benton Harbor, Michigan is 57 stolen cars.
Benton Harbor, MI Commute Time
How does your Benton Harbor, MI commute time compare with the average driver? In Benton Harbor, the average commute is 15.3 minutes.
Benton Harbor, MI Car Insurance Quotes
Compare Benton Harbor, MI car insurance quotes from multiple companies by entering your ZIP code now.