Affordable Car Insurance Rates in Harper Woods, MI (2021)
Car insurance rates in Harper Woods, MI are $1,602/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 Harper Woods 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 Harper Woods is 115.
- The cheapest car insurance company in Harper Woods after a DUI is USAA
- Average car insurance rates in Harper Woods, MI for senior drivers are $12,811/year
Average car insurance rates in Harper Woods, Michigan are $1,602 a month. But with a little research you can get a great deal from the top car insurance companies in Harper Woods, MI. Before you buy Harper Woods, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.
It may even be helpful to compare Harper Woods car insurance rates with Dearborn car insurance rates, Warren car insurance rates, or Detroit car insurance rates to make sure you’re getting the best Harper Woods, MI car insurance quotes available.
Need affordable Harper Woods, MI car insurance? Enter your ZIP code to compare Harper Woods car insurance quotes from multiple car insurance companies near you.
Table of Contents
Harper Woods, MI Minimum Car Insurance Coverage
Harper Woods, 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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Harper Woods, MI Car Insurance Rates by Coverage Level
Some Harper Woods drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Harper Woods, Michigan car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $31,363 | $32,305 | $33,014 |
| Farmers | $39,425 | $40,416 | $41,756 |
| GEICO | $14,482 | $15,079 | $16,004 |
| Liberty Mutual | $23,898 | $24,485 | $25,269 |
| Nationwide | $8,473 | $7,977 | $7,880 |
| Progressive | $8,315 | $8,614 | $8,881 |
| State Farm | $26,277 | $28,278 | $29,617 |
| Travelers | $11,055 | $11,166 | $11,247 |
| USAA | $4,469 | $4,613 | $4,721 |
Harper Woods, MI Car Insurance Rates by Age, Gender, and Marital Status
Harper Woods, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Harper Woods, MI car insurance, get quotes from multiple car insurance companies in the Harper Woods 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 | $23,517 | $23,517 | $21,826 | $21,826 | $58,783 | $58,783 | $24,785 | $24,785 |
| Farmers | $31,564 | $31,564 | $29,110 | $29,110 | $65,865 | $65,865 | $35,589 | $35,589 |
| GEICO | $11,107 | $11,107 | $11,257 | $11,257 | $27,860 | $27,860 | $10,530 | $10,530 |
| Liberty Mutual | $18,276 | $18,276 | $18,091 | $18,091 | $43,560 | $43,560 | $18,276 | $18,276 |
| Nationwide | $5,729 | $5,729 | $5,073 | $5,073 | $15,341 | $15,341 | $6,296 | $6,296 |
| Progressive | $5,130 | $4,705 | $4,479 | $5,109 | $18,537 | $19,476 | $5,996 | $5,394 |
| State Farm | $16,701 | $16,701 | $15,652 | $15,652 | $60,256 | $60,256 | $19,621 | $19,621 |
| Travelers | $7,464 | $7,464 | $6,400 | $6,400 | $22,645 | $22,645 | $8,116 | $8,116 |
| USAA | $3,403 | $3,170 | $3,203 | $2,988 | $8,306 | $7,748 | $4,115 | $3,875 |
Harper Woods, MI Car Insurance Rates for Teens
How much is Harper Woods, Michigan car insurance for teens? Compare rates from top Harper Woods car insurance companies below to help find the cheapest teen car insurance in Harper Woods, MI.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $58,783 | $58,783 |
| Farmers | $65,865 | $65,865 |
| GEICO | $27,860 | $27,860 |
| Liberty Mutual | $43,560 | $43,560 |
| Nationwide | $15,341 | $15,341 |
| Progressive | $18,537 | $19,476 |
| State Farm | $60,256 | $60,256 |
| Travelers | $22,645 | $22,645 |
| USAA | $8,306 | $7,748 |
Harper Woods, MI Car Insurance Rates for Seniors
Before seniors buy Harper Woods, Michigan car insurance, they should make sure to shop around. Some Harper Woods, 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 | $21,826 | $21,826 |
| Farmers | $29,110 | $29,110 |
| GEICO | $11,257 | $11,257 |
| Liberty Mutual | $18,091 | $18,091 |
| Nationwide | $5,073 | $5,073 |
| Progressive | $4,479 | $5,109 |
| State Farm | $15,652 | $15,652 |
| Travelers | $6,400 | $6,400 |
| USAA | $3,203 | $2,988 |
Harper Woods, MI Car Insurance Rates by Credit History
How does your credit history affect Harper Woods, MI car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $48,972 | $27,054 | $20,657 |
| Farmers | $61,113 | $31,407 | $29,076 |
| GEICO | $19,624 | $14,338 | $11,604 |
| Liberty Mutual | $38,865 | $22,426 | $12,361 |
| Nationwide | $10,218 | $7,642 | $6,470 |
| Progressive | $10,046 | $8,347 | $7,417 |
| State Farm | $45,719 | $22,966 | $15,488 |
| Travelers | $11,437 | $11,087 | $10,945 |
| USAA | $6,930 | $3,930 | $2,943 |
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Harper Woods, MI Car Insurance Rates by Driver History
How does a single speeding ticket affect your Harper Woods, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Harper Woods.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $15,625 | $20,883 | $70,473 | $21,930 |
| Farmers | $33,872 | $43,551 | $42,845 | $41,862 |
| GEICO | $5,328 | $11,220 | $34,366 | $9,840 |
| Liberty Mutual | $17,369 | $20,798 | $37,931 | $22,106 |
| Nationwide | $6,911 | $9,285 | $8,434 | $7,810 |
| Progressive | $7,190 | $9,629 | $8,642 | $8,952 |
| State Farm | $17,591 | $21,231 | $46,716 | $26,692 |
| Travelers | $7,561 | $10,789 | $17,326 | $8,948 |
| USAA | $3,685 | $4,634 | $6,064 | $4,020 |
Harper Woods, MI Car Insurance Rates With a DUI
Even a single DUI can increase your Harper Woods, MI car insurance rates. Compare rates below to see which Harper Woods car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $70,473 |
| Farmers | $42,845 |
| GEICO | $34,366 |
| Liberty Mutual | $37,931 |
| Nationwide | $8,434 |
| Progressive | $8,642 |
| State Farm | $46,716 |
| Travelers | $17,326 |
| USAA | $6,064 |
Harper Woods, MI Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Harper Woods, MI car insurance rates may be. Let’s take a look at average car insurance rates from top Harper Woods companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $32,228 | $32,228 |
| Farmers | $40,532 | $40,532 |
| GEICO | $14,830 | $15,547 |
| Liberty Mutual | $23,691 | $25,410 |
| Nationwide | $8,110 | $8,110 |
| Progressive | $8,603 | $8,603 |
| State Farm | $27,225 | $28,890 |
| Travelers | $11,092 | $11,221 |
| USAA | $4,546 | $4,656 |
Harper Woods, MI Cheapest Car Insurance Rates
How do the top Harper Woods, Michigan car insurance companies’ average rates stack up against the Harper Woods average monthly car insurance rates of $1,602? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
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Harper Woods, MI Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Harper Woods, Michigan car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $32,228 |
| Farmers | $40,532 |
| GEICO | $15,189 |
| Liberty Mutual | $24,551 |
| Nationwide | $8,110 |
| Progressive | $8,603 |
| State Farm | $28,058 |
| Travelers | $11,156 |
| USAA | $4,601 |
Other Factors Affecting Harper Woods, MI Car Insurance Rates
Before you buy Harper Woods, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Harper Woods, MI Car Theft Rates
The car theft rate in Harper Woods, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Harper Woods, Michigan is 115 stolen cars.
Harper Woods, MI Commute Time
How does your Harper Woods, MI commute time compare with the average driver? In Harper Woods, the average commute is 26.1 minutes.
Harper Woods, MI Car Insurance Quotes
Compare Harper Woods, MI car insurance quotes from multiple companies by entering your ZIP code now.