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Finding the cheapest car insurance quotes in Harbert shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Harbert
The car insurance rate in Harbert is $1011 for a six-month policy, which is $192 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $414, making it a popular choice for budget-conscious drivers. Rates in Harbert 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.
At $414 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $519 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Encompass
Encompass offers auto insurance
rates at $574
for six months, making it
the third cheapest auto insurance company in Harbert.
Harbert Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Harbert, MI is Travelers, offering policies at just $414 for a six-month term. This is followed by USAA, which has an average six-month premium of $519.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $684 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harbert drivers find the best deals.
Way's key takeaways about car insurance in Harbert
The auto insurance costs in Harbert fall around $414 for six
months.
The cheapest auto insurance company in Harbert is Travelers.
Teen drivers pay the highest rate in Harbert at $811 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Harbert
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 Harbert are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Harbert. Their Average 6 Month Premium is $175.
Hastings Mutual is the most
expensive at $299 for the same
period.
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 Harbert is Travelers
at $70 per month and $414
for six months.
Cheapest Full Coverage Car Insurance Quotes in Harbert,
MI
Get Your Car Insurance Quote in Harbert
Instantly!
Average Car Insurance in Harbert 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 Harbert, MI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Harbert, Michigan, may be increasing due to several external factors.
Michigan has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Harbert's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Harbert
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
Chubb
$234
30s
USAA
$178
40s
USAA
$171
50s
USAA
$164
60s
Chubb
$150
70s
Chubb
$164
Cheapest Car Insurance Rates for Teen Drivers in
Harbert,MI
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the Harbert at $34
per
month. At $4869 for a six-month premium,
Bristol West offers the most expensive rate for
teen drivers.
If you are in your twenties Chubb is
the best choice for car
insurance in Harbert.
As young drivers face the highest rates in Harbert, Chubb
offers the cheapest auto insurance rates at $234 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 Harbert,
Travelers is
the cheapest car insurance provider. At $334 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
Harbert is Farm Bureau Ins of MI, offering
rates of around $1058 for six
months.
Save up to $971/yr on car insurance rates in Harbert.
Car Insurance Rates with An Accident in Harbert
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 Harbert, MI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Harbert
The cheapest car insurance companies after an at-fault accident in
Harbert include Chubb
and Westfield, offering $255
and $270,
respectively. Pioneer State is an expensive provider
with an average six-month premium of
$399.
Here is a list of driving violations that can increase your car
insurance rates in Harbert MI. For example, the car
insurance in Harbert
after a DUI increases to $2016 for a six
month policy. While the rate increases by $1098 for a six-month policy in the case of
a speeding ticket.
Harbert auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1098
$183
Failure to wear a seat belt
$1302
$222
Cell phone violation
$1382
$230
Texting while driving
$1382
$235
Illegal turn
$1387
$231
Wrong way/wrong lane
$1387
$236
Speeding in school zone
$1407
$234
Driving with expired registration
$1417
$241
Failure to stop at a red light
$1432
$239
Improper passing
$1432
$244
Speeding 16 - 20 MPH over limit
$1592
$265
Open container
$1876
$319
Driving with a suspended license
$2101
$350
Racing
$2709
$460
Reckless driving
$2944
$491
Leaving scene of an accident/hit and run
$3019
$513
DUI
$3114
$519
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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 Harbert 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 Harbert.
The cheapest car insurance premiums in
Harbert are
offered by Chubb at $255 for a six-month policy.
However, it can be as
expensive as $7863 with companies
like Allstate.
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 Harbert are offered by Westfield
at $219. However,
it can be as expensive as $9925
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Harbert after Speeding ticket
Car insurance rates in Harbert have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Harbert dipped by
$225 in December
compared to $231 of November. In other words, there has been an decrease by $6 when you
compare December and November.
The average cost of liability insurance in the Harbert rose to $75 in December,
compared to $69 in November.
This represents an increase of $6
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Harbert. At $2021 for a
six-month policy, insuring
your car at 49115 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Harbert?
The car insurance in Harbert is $29 per month, which is lower than the national average.
What is the cheapest car insurance in Harbert?
The cheapest car insurance in Harbert
is $70 per month
for full coverage.
How much is car insurance in Harbert for teenagers?
Car insurance for teenagers costs $205 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
Harbert?
The average cost of car insurance is $1203 for a six-month
policy. It will cost around $170 per month to insure your
car in Harbert.
Is car insurance expensive in Harbert?
Car insurance can be expensive in Harbert if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Harbert can be
affordable.
What is the best car insurance in Harbert,
MI?
The best car insurance company in Harbert
MI is
Travelers, offering $414 for a
six-month policy.
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Car Insurance Rates by State in the USA (2025 Update)
Harbert Car Insurance
