Cheapest Car Insurance Quotes in South Haven

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South Haven Car Insurance

^$ 23

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in South Haven

The car insurance rate in South Haven is $720 for a six-month policy, which is $53 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $436, making it a popular choice for budget-conscious drivers. Rates in South Haven can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in South Haven

$720

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in South Haven

1st place: AutoOwners Insurance Co

At $436 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $443 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $552 for six months, making it the third cheapest auto insurance company in South Haven.

South Haven Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Haven, IN is AutoOwners Insurance Co, offering policies at just $436 for a six-month term. This is followed by Westfield, which has an average six-month premium of $443.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1335 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Haven drivers find the best deals.

Cheap Car Insurance Companies in South Haven, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$436	$72
Westfield	$443	$76
Nationwide	$552	$93
American Family	$571	$96
USAA	$609	$103
Hastings Mutual	$616	$104
Travelers	$680	$114
Hastings Insurance	$693	$118
Progressive	$712	$120
Auto-Owners	$738	$124
State Farm	$988	$166
Farm Bureau	$995	$170
Allstate	$1335	$225

Key Takeaways

Way's key takeaways about car insurance in South Haven

The auto insurance costs in South Haven fall around $436 for six months.
The cheapest auto insurance company in South Haven is Westfield.
Teen drivers pay the highest rate in South Haven at $593 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in South Haven

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in South Haven are given below.

Westfield provides the cheapest minimum car insurance coverage in South Haven. Their Average 6 Month Premium is $135. Farmers is the most expensive at $244 for the same period.

Cheapest Liability Coverage in South Haven, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$135	$23
USAA	$173	$29
Auto-Owners Insurance Co	$179	$30
Hastings Mutual	$192	$32
Indiana Farmers	$199	$33
American Family	$218	$37
Auto-Owners	$218	$37
Progressive	$231	$39
Grange	$238	$40
Travelers	$244	$41
SafeAuto	$264	$44
State Farm	$282	$48
Farm Bureau	$321	$55
Allstate	$526	$89
Farmers	$244	$41

Cheapest Full Coverage Car Insurance in South Haven

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in South Haven is AutoOwners Insurance Co at $72 per month and $436 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Haven, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$436	$72
Westfield	$443	$76
Nationwide	$552	$93
American Family	$571	$96
USAA	$609	$103
Hastings Mutual	$616	$104
Travelers	$680	$114
Hastings Insurance	$693	$118
Progressive	$712	$120
Auto-Owners	$738	$124
State Farm	$988	$166
Farm Bureau	$995	$170
Allstate	$1335	$225

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Average Car Insurance in South Haven by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in South Haven, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in South Haven, Indiana, may be increasing due to several external factors. Indiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, South Haven's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in South Haven

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$463
40s	USAA	$434
50s	USAA	$410
60s	USAA	$428
70s	Buckeye Insurance Group	$457

Cheapest Car Insurance Rates for Teen Drivers in South Haven,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the South Haven at $27 per month. At $3489 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$161	$27
Auto-Owners Insurance Co	$231	$39
Grange	$251	$42
USAA	$513	$86
Travelers	$777	$131
Progressive	$899	$151
American Family	$1565	$264
Auto-Owners	$2085	$348
State Farm	$2169	$368
Allstate	$2579	$430
Farm Bureau	$3489	$593

Teen Car Insurance Rates in IN by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in South Haven.

As young drivers face the highest rates in South Haven, USAA offers the cheapest auto insurance rates at $463 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in South Haven, Westfield is the cheapest car insurance provider. At $257 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in South Haven is State Farm, offering rates of around $3150 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$257	$43
Nationwide	$301	$51
Grange	$321	$54
Travelers	$712	$120
Progressive	$751	$126
USAA	$821	$139
American Family	$879	$148
Allstate	$1065	$179
Farm Bureau	$2027	$338
Auto-Owners	$2188	$372
State Farm	$3150	$525

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Save up to $971/yr on car insurance rates in South Haven.

Car Insurance Rates with An Accident in South Haven

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In South Haven, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in South Haven

The cheapest car insurance companies after an at-fault accident in South Haven include AutoOwners Insurance Co and Indiana Farmers, offering $251 and $257, respectively. Allstate is an expensive provider with an average six-month premium of $2123.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$251	$42
Indiana Farmers	$257	$43
Grange	$282	$48
Farmers	$327	$56
USAA	$436	$73
Travelers	$507	$85
Auto-Owners	$519	$87
Progressive	$558	$94
State Farm	$596	$100
American Family	$814	$137
Farm Bureau	$1482	$247
Allstate	$2123	$361

South Haven Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Haven IN. For example, the car insurance in South Haven after a DUI increases to $814 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

South Haven auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$886	$148
One Med/PIP claim	$886	$150
Not-at-fault accident	$936	$157
Two Med/PIP claims	$949	$161
One comp claim	$956	$160
Failure to show documents	$1001	$171
Failure to wear a seat belt	$1008	$167
Two comp claims	$1014	$173
Child safety restraint	$1026	$171
Driving without lights	$1026	$175
Driving with expired registration	$1065	$177
Speeding 6 - 10 MPH over limit	$1084	$185
Driving too slowly	$1091	$181
Failure to yield	$1091	$186
Following too closely	$1091	$181
Illegal turn	$1091	$186
Speeding in school zone	$1091	$181
Cell phone violation	$1097	$187
Speeding 11 - 15 MPH over limit	$1097	$183
Texting while driving	$1097	$187
Wrong way/wrong lane	$1097	$183
Failure to stop at a red light	$1104	$188
Improper passing	$1110	$185
Speeding 16 - 20 MPH over limit	$1110	$189
At-fault accident - less than $1000	$1123	$187
Passing school bus	$1142	$194
Speeding 21 - 25 MPH over limit	$1200	$200
At-fault accident - $1000-$2000	$1238	$211
In 65 MPH zone	$1257	$210
At-fault accident - greater than $2000	$1264	$215
Operating a vehicle without permission	$1353	$226
Open container	$1366	$232
Racing	$1661	$276
Reckless driving	$1668	$284
Refusal to submit to a chemical test	$1687	$281
DUI	$1700	$289
Leaving scene of an accident/hit and run	$1732	$288
Driving with a suspended license	$1745	$297

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in South Haven after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in South Haven.

The cheapest car insurance premiums in South Haven are offered by Grange at $397 for a six-month policy. However, it can be as expensive as $2027 with companies like Hastings Mutual.

South Haven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$397	$66
Travelers	$532	$90
Progressive	$578	$97
USAA	$635	$107
American Family	$886	$149
State Farm	$1032	$174
Farm Bureau	$1180	$199
Allstate	$1231	$207
Auto-Owners	$1661	$280
Hastings Mutual	$2027	$345

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in South Haven are offered by Westfield at $166. However, it can be as expensive as $1661 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in South Haven after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$166	$28
Auto-Owners Insurance Co	$231	$39
State Farm	$507	$85
Travelers	$552	$93
USAA	$565	$96
American Family	$578	$97
Progressive	$603	$102
Auto-Owners	$777	$130
Farm Bureau	$1193	$203
Allstate	$1661	$276

Car Insurance Price Trends in South Haven, Indiana

Car insurance rates in South Haven have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the South Haven remained steady at $145 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the South Haven remained steady at $42 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in South Haven?

The car insurance in South Haven is $23 per month, which is lower than the national average.

What is the cheapest car insurance in South Haven?

The cheapest car insurance in South Haven is $72 per month for full coverage.

How much is car insurance in South Haven for teenagers?

Car insurance for teenagers costs $161 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in South Haven?

The average cost of car insurance is $667 for a six-month policy. It will cost around $121 per month to insure your car in South Haven.

Is car insurance expensive in South Haven?

Car insurance can be expensive in South Haven if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in South Haven can be affordable.

Cheapest Car Insurance Quotes in South Haven

Why you can trust Way?

How Much Is Car Insurance in South Haven

Avg. Car Insurance in South Haven

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in South Haven

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

South Haven Car Insurance Rates by Company

Cheap Car Insurance Companies in South Haven, IN

Way's key takeaways about car insurance in South Haven

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Haven

Cheapest Liability Coverage in South Haven, IN

Cheapest Full Coverage Car Insurance in South Haven

Cheapest Full Coverage Car Insurance Quotes in South Haven, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Haven by Rating Factor

I have a clean driving record. Why is my car insurance rate here in South Haven, IN increasing?

Car Insurance Premiums by Age in South Haven

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Haven,IN

If you are in your twenties USAA is the best choice for car insurance in South Haven.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in South Haven

Cheapest Car Insurance Companies after an At-Fault Accident in South Haven

South Haven Car Insurance Rates by Violation

South Haven auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Haven after a DUI

South Haven car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Haven after Speeding ticket

Car Insurance Price Trends in South Haven, Indiana

Average Car Insurance Cost in South Haven by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Haven, IN

Car Insurance Rates by State in the USA (2025 Update)

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