Cheapest Car Insurance Quotes in Harbor Beach

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Harbor Beach Car Insurance

^$ 38

/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 Harbor Beach

The car insurance rate in Harbor Beach is $1430 for a six-month policy, which is $106 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $532, making it a popular choice for budget-conscious drivers. Rates in Harbor Beach 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 Harbor Beach

$1430

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Harbor Beach

1st place: Travelers

At $532 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $680 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $738 for six months, making it the third cheapest auto insurance company in Harbor Beach.

Harbor Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Harbor Beach, MI is Travelers, offering policies at just $532 for a six-month term. This is followed by USAA, which has an average six-month premium of $680.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $879 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harbor Beach drivers find the best deals.

Cheap Car Insurance Companies in Harbor Beach, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$532	$90
USAA	$680	$114
Encompass	$738	$125
Auto-Owners Insurance Co	$757	$126
Chubb	$796	$135
Farm Bureau Ins of MI	$936	$157
Auto-Owners	$982	$165
AAA	$988	$166
Pioneer State Mutual Ins Co	$1020	$174
Progressive	$1045	$176
Westfield	$1270	$214
Farm Bureau	$1815	$302
Pioneer State Mutual	$1976	$336
State Farm	$2110	$355
Frankenmuth	$2245	$382
Bristol West	$2534	$422
Allstate	$1944	$330
Farmers	$3939	$670
Hastings Mutual	$879	$147

Key Takeaways

Way's key takeaways about car insurance in Harbor Beach

The auto insurance costs in Harbor Beach fall around $532 for six months.
The cheapest auto insurance company in Harbor Beach is Travelers.
Teen drivers pay the highest rate in Harbor Beach at $1043 per month.

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Cheapest Minimum Liability Car Insurance in Harbor Beach

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 Harbor Beach are given below.

Travelers provides the cheapest minimum car insurance coverage in Harbor Beach. Their Average 6 Month Premium is $225. Farmers is the most expensive at $2047 for the same period.

Cheapest Liability Coverage in Harbor Beach, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$225	$38
Westfield	$238	$40
USAA	$282	$48
Encompass	$308	$52
Chubb	$327	$56
Auto-Owners Insurance Co	$353	$58
Auto-Owners	$391	$66
Progressive	$443	$75
AAA	$449	$77
Farm Bureau Ins of MI	$456	$76
Farm Bureau	$571	$97
Pioneer State Mutual	$578	$96
Frankenmuth	$680	$116
State Farm	$1052	$177
Bristol West	$1058	$180
Allstate	$827	$140
Farmers	$2047	$341

Cheapest Full Coverage Car Insurance in Harbor Beach

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 Harbor Beach is Travelers at $90 per month and $532 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harbor Beach, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$532	$90
USAA	$680	$114
Encompass	$738	$125
Auto-Owners Insurance Co	$757	$126
Chubb	$796	$135
Farm Bureau Ins of MI	$936	$157
Auto-Owners	$982	$165
AAA	$988	$166
Pioneer State Mutual Ins Co	$1020	$174
Progressive	$1045	$176
Westfield	$1270	$214
Farm Bureau	$1815	$302
Pioneer State Mutual	$1976	$336
State Farm	$2110	$355
Frankenmuth	$2245	$382
Bristol West	$2534	$422
Allstate	$1944	$330
Farmers	$3939	$670
Hastings Mutual	$879	$147

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Average Car Insurance in Harbor Beach 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 Harbor Beach, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Harbor Beach, 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, Harbor Beach's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Harbor Beach

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

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Cheapest Car Insurance Rates for Teen Drivers in Harbor Beach,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Harbor Beach at $44 per month. At $6261 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$264	$44
Westfield	$282	$48
Encompass	$308	$52
Chubb	$366	$63
Auto-Owners Insurance Co	$384	$64
Grange	$500	$85
USAA	$1084	$183
Auto-Owners	$1360	$229
AAA	$1765	$297
Progressive	$2489	$419
Farm Bureau	$2964	$494
Pioneer State Mutual	$3477	$591
Frankenmuth	$4144	$691
State Farm	$5826	$990
Allstate	$4209	$716
Farmers	$18065	$3072
Bristol West	$6261	$1043

Teen Car Insurance Rates in MI by Age

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 Harbor Beach, Travelers is the cheapest car insurance provider. At $430 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 Harbor Beach is Farm Bureau Ins of MI, offering rates of around $1360 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$430	$71
Encompass	$443	$76
Progressive	$622	$104
Westfield	$654	$111
Auto-Owners Insurance Co	$693	$116
Pioneer State Mutual Ins Co	$847	$144
Grange	$1071	$178
Farm Bureau Ins of MI	$1360	$231

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Car Insurance Rates with An Accident in Harbor Beach

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 Harbor Beach, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Harbor Beach

The cheapest car insurance companies after an at-fault accident in Harbor Beach include Chubb and Westfield, offering $327 and $347, respectively. Pioneer State is an expensive provider with an average six-month premium of $513.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$327	$56
Westfield	$347	$57
Auto-Owners Insurance Co	$404	$69
Encompass	$456	$76
Farm Bureau Ins of MI	$539	$92
Pioneer State Mutual Ins Co	$596	$99
Travelers	$635	$107
USAA	$827	$139
Progressive	$982	$165
Auto-Owners	$1142	$192
AAA	$1360	$229
Farm Bureau	$2219	$370
Pioneer State Mutual	$2367	$403
State Farm	$2675	$446
Frankenmuth	$2887	$491
Allstate	$3099	$516
Farmers	$5536	$942
Pioneer State	$513	$85

Harbor Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Harbor Beach MI. For example, the car insurance in Harbor Beach after a DUI increases to $2592 for a six month policy. While the rate increases by $1412 for a six-month policy in the case of a speeding ticket.

Harbor Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1412	$235
Failure to wear a seat belt	$1674	$285
Cell phone violation	$1777	$296
Texting while driving	$1777	$302
Illegal turn	$1783	$297
Wrong way/wrong lane	$1783	$303
Speeding in school zone	$1809	$301
Driving with expired registration	$1822	$310
Failure to stop at a red light	$1841	$307
Improper passing	$1841	$313
Speeding 16 - 20 MPH over limit	$2047	$341
Open container	$2412	$410
Driving with a suspended license	$2701	$450
Racing	$3483	$592
Reckless driving	$3785	$631
Leaving scene of an accident/hit and run	$3882	$660
DUI	$4004	$667

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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 Harbor Beach 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 Harbor Beach.

The cheapest car insurance premiums in Harbor Beach are offered by Chubb at $327 for a six-month policy. However, it can be as expensive as $10110 with companies like Allstate.

Harbor Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$327	$54
Auto-Owners Insurance Co	$866	$147
Grange	$873	$146
Farmers	$886	$150
Progressive	$975	$164
Pioneer State Mutual Ins Co	$1052	$179
USAA	$1167	$197
Travelers	$1290	$219
Auto-Owners	$2085	$351
Westfield	$2123	$357
AAA	$2341	$394
Bristol West	$3002	$511
Pioneer State Mutual	$3779	$630
Farm Bureau	$4445	$756
State Farm	$5498	$926
Frankenmuth	$9950	$1692
Allstate	$10110	$1685

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 Harbor Beach are offered by Westfield at $282. However, it can be as expensive as $12760 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Harbor Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$282	$48
Chubb	$327	$54
Encompass	$347	$59
Travelers	$423	$70
Auto-Owners Insurance Co	$449	$77
Farm Bureau Ins of MI	$642	$107
Grange	$680	$116
Auto-Owners	$853	$143
USAA	$873	$148
AAA	$1104	$184
Farm Bureau	$1142	$194
Pioneer State Mutual	$1257	$210
Progressive	$1283	$216
Frankenmuth	$2053	$342
State Farm	$3734	$635
Allstate	$2534	$431
Farmers	$12760	$2170

Car Insurance Price Trends in Harbor Beach, Michigan

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

The average cost of full coverage in the Harbor Beach dipped by $227 in January compared to $289 of December. In other words, there has been an decrease by $62 when you compare January and December.

The average cost of liability insurance in the Harbor Beach dipped to $80 in January, compared to $96 in December. This represents an decrease of $16 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Harbor Beach?

The car insurance in Harbor Beach is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Harbor Beach?

The cheapest car insurance in Harbor Beach is $90 per month for full coverage.

How much is car insurance in Harbor Beach for teenagers?

Car insurance for teenagers costs $264 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 Harbor Beach?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $241 per month to insure your car in Harbor Beach.

Is car insurance expensive in Harbor Beach?

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

Cheapest Car Insurance Quotes in Harbor Beach

Why you can trust Way?

How Much Is Car Insurance in Harbor Beach

Avg. Car Insurance in Harbor Beach

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Harbor Beach

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Harbor Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Harbor Beach, MI

Way's key takeaways about car insurance in Harbor Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Harbor Beach

Cheapest Liability Coverage in Harbor Beach, MI

Cheapest Full Coverage Car Insurance in Harbor Beach

Cheapest Full Coverage Car Insurance Quotes in Harbor Beach, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Harbor Beach by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Harbor Beach, MI increasing?

Car Insurance Premiums by Age in Harbor Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Harbor Beach,MI

If you are in your twenties N/A is the best choice for car insurance in Harbor Beach.

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 Harbor Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Harbor Beach

Harbor Beach Car Insurance Rates by Violation

Harbor Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Harbor Beach after a DUI

Harbor Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Harbor Beach after Speeding ticket

Car Insurance Price Trends in Harbor Beach, Michigan

Average Car Insurance Cost in Harbor Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Harbor Beach, MI

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

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