Cheapest Car Insurance Quotes in South Haven

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South Haven Car Insurance

^$ 26

/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 $945 for a six-month policy, which is $19 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $454, 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

$945

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in South Haven

1st place: AutoOwners Insurance Co

At $454 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $669 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $711 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, KS is AutoOwners Insurance Co, offering policies at just $454 for a six-month term. This is followed by Travelers, which has an average six-month premium of $669.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1507 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, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$454	$75
Travelers	$669	$113
American Family	$711	$120
USAA	$711	$120
Nationwide	$774	$130
Shelter	$838	$141
Auto-Owners	$960	$160
State Farm	$972	$164
Progressive	$1065	$179
Farmers	$1095	$184
Encompass	$1234	$206
Farm Bureau	$1299	$221
Allstate	$1507	$254

Key Takeaways

Way's key takeaways about car insurance in South Haven

The auto insurance costs in South Haven fall around $454 for six months.
The cheapest auto insurance company in South Haven is USAA.
Teen drivers pay the highest rate in South Haven at $754 per month.

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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.

USAA provides the cheapest minimum car insurance coverage in South Haven. Their Average 6 Month Premium is $157. Encompass is the most expensive at $233 for the same period.

Cheapest Liability Coverage in South Haven, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$157	$26
Auto-Owners Insurance Co	$163	$27
Iowa Farm Bureau	$204	$34
Farmers Union Insurance	$216	$36
Travelers	$221	$37
Auto-Owners	$233	$39
Electric	$233	$39
Kansas Farm Bureau	$244	$41
Progressive	$250	$42
American Family	$256	$43
State Farm	$256	$43
Farm Bureau	$262	$44
Shelter	$297	$50
Farmers	$425	$72
Allstate	$564	$95
Encompass	$233	$39

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 $75 per month and $454 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Haven, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$454	$75
Travelers	$669	$113
American Family	$711	$120
USAA	$711	$120
Nationwide	$774	$130
Shelter	$838	$141
Auto-Owners	$960	$160
State Farm	$972	$164
Progressive	$1065	$179
Farmers	$1095	$184
Encompass	$1234	$206
Farm Bureau	$1299	$221
Allstate	$1507	$254

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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, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in South Haven, Kansas, may be increasing due to several external factors. Kansas 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
20s	Nationwide	$749
30s	Nationwide	$644
40s	Nationwide	$521
50s	Nationwide	$477
60s	Nationwide	$455
70s	Nationwide	$494

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

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the South Haven at $36 per month. At $4477 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$216	$36
Iowa Farm Bureau	$239	$40
Farmers Union Insurance	$250	$42
Kansas Farm Bureau	$320	$53
Travelers	$693	$117
American Family	$1222	$206
USAA	$1449	$244
State Farm	$2043	$344
Shelter	$2277	$383
Progressive	$2293	$386
Farmers	$2643	$445
Farm Bureau	$2922	$487
Allstate	$4477	$754

Teen Car Insurance Rates in KS by Age

Way Tip

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

As young drivers face the highest rates in South Haven, Nationwide offers the cheapest auto insurance rates at $749 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, Iowa Farm Bureau is the cheapest car insurance provider. At $390 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 $4110 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$390	$67
Farmers Union Insurance	$396	$66
Nationwide	$425	$73
Travelers	$745	$125
USAA	$949	$162
Progressive	$972	$164
Shelter	$1054	$177
American Family	$1077	$181
Farmers	$1397	$235
Farm Bureau	$2398	$400
Allstate	$2515	$427
State Farm	$4110	$685

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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, KS, 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 Electric, offering $198 and $279, respectively. Encompass is an expensive provider with an average six-month premium of $320.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$198	$33
Electric	$279	$47
Iowa Farm Bureau	$315	$52
Farmers Union Insurance	$332	$57
Auto-Owners	$349	$58
Kansas Farm Bureau	$442	$75
Travelers	$501	$84
USAA	$576	$97
State Farm	$640	$108
American Family	$681	$115
Shelter	$897	$151
Progressive	$1129	$190
Farmers	$1962	$330
Farm Bureau	$1968	$334
Allstate	$2178	$367
Encompass	$320	$55

South Haven Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Haven KS. For example, the car insurance in South Haven after a DUI increases to $995 for a six month policy. While the rate increases by $221 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	$1141	$190
One Med/PIP claim	$1141	$194
Not-at-fault accident	$1170	$195
Two Med/PIP claims	$1222	$208
One comp claim	$1228	$205
Failure to show documents	$1263	$215
Two comp claims	$1275	$213
Failure to wear a seat belt	$1287	$219
Child safety restraint	$1321	$221
Driving with expired registration	$1321	$224
Driving without lights	$1321	$221
Speeding 6 - 10 MPH over limit	$1362	$231
Cell phone violation	$1380	$230
Driving too slowly	$1380	$234
Texting while driving	$1380	$230
Failure to yield	$1392	$236
Following too closely	$1392	$232
Illegal turn	$1392	$236
Wrong way/wrong lane	$1392	$232
In 65 MPH zone	$1397	$237
Speeding 11 - 15 MPH over limit	$1397	$233
Failure to stop at a red light	$1403	$238
Improper passing	$1403	$234
Speeding in school zone	$1403	$238
Speeding 16 - 20 MPH over limit	$1408	$235
Open container	$1420	$241
Operating a vehicle without permission	$1432	$239
Passing school bus	$1444	$245
Speeding 21 - 25 MPH over limit	$1444	$241
At-fault accident - less than $1000	$1461	$249
At-fault accident - $1000-$2000	$1612	$269
At-fault accident - greater than $2000	$1612	$274
Racing	$1782	$297
Reckless driving	$1933	$328
Driving with a suspended license	$2095	$349
Refusal to submit to a chemical test	$2119	$361
DUI	$2136	$356
Leaving scene of an accident/hit and run	$2224	$378

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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 Farmers Union Insurance at $384 for a six-month policy. However, it can be as expensive as $3085 with companies like Farm Bureau.

South Haven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$384	$66
Travelers	$530	$89
American Family	$629	$106
Progressive	$711	$120
State Farm	$867	$146
USAA	$1117	$188
Shelter	$1281	$216
Farmers	$1304	$220
Allstate	$1875	$316
Farm Bureau	$3085	$515

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 Iowa Farm Bureau at $256. However, it can be as expensive as $3330 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
Iowa Farm Bureau	$256	$43
Auto-Owners Insurance Co	$268	$45
Farmers Union Insurance	$285	$48
Travelers	$564	$95
American Family	$612	$103
USAA	$617	$103
State Farm	$629	$106
Progressive	$844	$142
Farm Bureau	$1112	$189
Shelter	$1240	$207
Farmers	$1333	$224
Allstate	$3330	$555

Car Insurance Price Trends in South Haven, Kansas

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 rose by $181 in December compared to $180 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the South Haven rose to $45 in December, compared to $44 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in South Haven?

The car insurance in South Haven is $26 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 $75 per month for full coverage.

How much is car insurance in South Haven for teenagers?

Car insurance for teenagers costs $216 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 $964 for a six-month policy. It will cost around $159 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 Kansas

National Average

Cheapest Car Insurance Companies in South Haven

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

South Haven Car Insurance Rates by Company

Cheap Car Insurance Companies in South Haven, KS

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, KS

Cheapest Full Coverage Car Insurance in South Haven

Cheapest Full Coverage Car Insurance Quotes in South Haven, KS

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, KS 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,KS

If you are in your twenties Nationwide 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, Kansas

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, KS

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

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