Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • 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.

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.

Minimum Required Car Insurance Coverage in Benton Harbor, Michigan

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.

Annual Car Insurance Rates by Coverage Level in Benton Harbor, Michigan

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Benton Harbor, Michigan

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.

Annual Car Insurance Rates for Teen Drivers in Benton Harbor, Michigan

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.

Annual Car Insurance Rates for Senior Drivers in Benton Harbor, Michigan

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.

Annual Car Insurance Rates by Credit Score in Benton Harbor, Michigan

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.

Annual Benton Harbor, Michigan Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Benton Harbor, Michigan

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.

Annual Car Insurance Rates by Commute Length in Benton Harbor, Michigan

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.

Best Annual Car Insurance Rates by Company in Benton Harbor, Michigan

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.

Average Annual Car Insurance Rates by Company in Benton Harbor, Michigan

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.