Cheapest Car Insurance Quotes in Harbor Springs

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Harbor Springs Car Insurance

^$ 33

/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 Springs

The car insurance rate in Harbor Springs is $1231 for a six-month policy, which is $93 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $458, making it a popular choice for budget-conscious drivers. Rates in Harbor Springs 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 Springs

$1231

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Harbor Springs

1st place: Travelers

At $458 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $586 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $635 for six months, making it the third cheapest auto insurance company in Harbor Springs.

Harbor Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Harbor Springs, MI is Travelers, offering policies at just $458 for a six-month term. This is followed by USAA, which has an average six-month premium of $586.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $757 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harbor Springs drivers find the best deals.

Cheap Car Insurance Companies in Harbor Springs, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$458	$77
USAA	$586	$99
Encompass	$635	$108
Auto-Owners Insurance Co	$652	$109
Chubb	$685	$116
Farm Bureau Ins of MI	$806	$135
Auto-Owners	$845	$142
AAA	$851	$143
Pioneer State Mutual Ins Co	$878	$150
Progressive	$900	$152
Westfield	$1094	$184
Farm Bureau	$1563	$260
Pioneer State Mutual	$1702	$289
State Farm	$1817	$306
Frankenmuth	$1933	$329
Bristol West	$2182	$364
Allstate	$1674	$285
Farmers	$3392	$577
Hastings Mutual	$757	$126

Key Takeaways

Way's key takeaways about car insurance in Harbor Springs

The auto insurance costs in Harbor Springs fall around $458 for six months.
The cheapest auto insurance company in Harbor Springs is Travelers.
Teen drivers pay the highest rate in Harbor Springs at $898 per month.

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

Cheapest Minimum Liability Car Insurance in Harbor Springs

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 Springs are given below.

Travelers provides the cheapest minimum car insurance coverage in Harbor Springs. Their Average 6 Month Premium is $193. Farmers is the most expensive at $1762 for the same period.

Cheapest Liability Coverage in Harbor Springs, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$193	$33
Westfield	$205	$34
USAA	$243	$41
Encompass	$265	$45
Chubb	$282	$48
Auto-Owners Insurance Co	$304	$50
Auto-Owners	$337	$57
Progressive	$381	$64
AAA	$387	$66
Farm Bureau Ins of MI	$392	$65
Farm Bureau	$492	$84
Pioneer State Mutual	$498	$83
Frankenmuth	$586	$100
State Farm	$906	$153
Bristol West	$911	$155
Allstate	$712	$121
Farmers	$1762	$294

Cheapest Full Coverage Car Insurance in Harbor Springs

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 Springs is Travelers at $77 per month and $458 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harbor Springs, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$458	$77
USAA	$586	$99
Encompass	$635	$108
Auto-Owners Insurance Co	$652	$109
Chubb	$685	$116
Farm Bureau Ins of MI	$806	$135
Auto-Owners	$845	$142
AAA	$851	$143
Pioneer State Mutual Ins Co	$878	$150
Progressive	$900	$152
Westfield	$1094	$184
Farm Bureau	$1563	$260
Pioneer State Mutual	$1702	$289
State Farm	$1817	$306
Frankenmuth	$1933	$329
Bristol West	$2182	$364
Allstate	$1674	$285
Farmers	$3392	$577
Hastings Mutual	$757	$126

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Average Car Insurance in Harbor Springs 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 Springs, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Harbor Springs, 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 Springs'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 Springs

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 Springs,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Harbor Springs at $38 per month. At $5391 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$227	$38
Westfield	$243	$41
Encompass	$265	$45
Chubb	$315	$54
Auto-Owners Insurance Co	$331	$55
Grange	$431	$73
USAA	$934	$157
Auto-Owners	$1171	$197
AAA	$1520	$256
Progressive	$2144	$361
Farm Bureau	$2552	$425
Pioneer State Mutual	$2994	$509
Frankenmuth	$3568	$595
State Farm	$5016	$853
Allstate	$3624	$617
Farmers	$15556	$2645
Bristol West	$5391	$898

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 Springs, Travelers is the cheapest car insurance provider. At $370 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 Springs is Farm Bureau Ins of MI, offering rates of around $1171 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$370	$61
Encompass	$381	$65
Progressive	$536	$89
Westfield	$564	$96
Auto-Owners Insurance Co	$597	$100
Pioneer State Mutual Ins Co	$729	$124
Grange	$923	$153
Farm Bureau Ins of MI	$1171	$199

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Save up to $971/yr on car insurance rates in Harbor Springs.

Car Insurance Rates with An Accident in Harbor Springs

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

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

The cheapest car insurance companies after an at-fault accident in Harbor Springs include Chubb and Westfield, offering $282 and $299, respectively. Pioneer State is an expensive provider with an average six-month premium of $442.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$282	$48
Westfield	$299	$49
Auto-Owners Insurance Co	$348	$60
Encompass	$392	$65
Farm Bureau Ins of MI	$464	$79
Pioneer State Mutual Ins Co	$513	$86
Travelers	$547	$92
USAA	$712	$120
Progressive	$845	$142
Auto-Owners	$983	$166
AAA	$1171	$197
Farm Bureau	$1911	$319
Pioneer State Mutual	$2039	$347
State Farm	$2304	$384
Frankenmuth	$2486	$423
Allstate	$2668	$445
Farmers	$4767	$811
Pioneer State	$442	$73

Harbor Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Harbor Springs MI. For example, the car insurance in Harbor Springs after a DUI increases to $2232 for a six month policy. While the rate increases by $1216 for a six-month policy in the case of a speeding ticket.

Harbor Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1216	$203
Failure to wear a seat belt	$1442	$246
Cell phone violation	$1530	$255
Texting while driving	$1530	$260
Illegal turn	$1535	$256
Wrong way/wrong lane	$1535	$261
Speeding in school zone	$1558	$259
Driving with expired registration	$1569	$267
Failure to stop at a red light	$1586	$264
Improper passing	$1586	$270
Speeding 16 - 20 MPH over limit	$1762	$294
Open container	$2077	$353
Driving with a suspended license	$2326	$388
Racing	$2999	$510
Reckless driving	$3260	$543
Leaving scene of an accident/hit and run	$3342	$568
DUI	$3448	$575

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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 Springs 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 Springs.

The cheapest car insurance premiums in Harbor Springs are offered by Chubb at $282 for a six-month policy. However, it can be as expensive as $8706 with companies like Allstate.

Harbor Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$282	$47
Auto-Owners Insurance Co	$746	$126
Grange	$751	$126
Farmers	$763	$129
Progressive	$840	$141
Pioneer State Mutual Ins Co	$906	$154
USAA	$1005	$169
Travelers	$1110	$189
Auto-Owners	$1796	$302
Westfield	$1828	$308
AAA	$2016	$339
Bristol West	$2585	$440
Pioneer State Mutual	$3254	$542
Farm Bureau	$3828	$651
State Farm	$4735	$797
Frankenmuth	$8568	$1457
Allstate	$8706	$1451

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 Springs are offered by Westfield at $243. However, it can be as expensive as $10988 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Harbor Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$243	$41
Chubb	$282	$47
Encompass	$299	$51
Travelers	$365	$60
Auto-Owners Insurance Co	$387	$66
Farm Bureau Ins of MI	$552	$92
Grange	$586	$100
Auto-Owners	$735	$123
USAA	$751	$127
AAA	$950	$158
Farm Bureau	$983	$167
Pioneer State Mutual	$1083	$180
Progressive	$1105	$186
Frankenmuth	$1768	$295
State Farm	$3215	$547
Allstate	$2182	$371
Farmers	$10988	$1868

Car Insurance Price Trends in Harbor Springs, Michigan

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

The average cost of full coverage in the Harbor Springs dipped by $195 in January compared to $249 of December. In other words, there has been an decrease by $54 when you compare January and December.

The average cost of liability insurance in the Harbor Springs dipped to $69 in January, compared to $83 in December. This represents an decrease of $14 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Harbor Springs?

The car insurance in Harbor Springs is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Harbor Springs?

The cheapest car insurance in Harbor Springs is $77 per month for full coverage.

How much is car insurance in Harbor Springs for teenagers?

Car insurance for teenagers costs $227 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 Springs?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $207 per month to insure your car in Harbor Springs.

Is car insurance expensive in Harbor Springs?

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

Cheapest Car Insurance Quotes in Harbor Springs

Why you can trust Way?

How Much Is Car Insurance in Harbor Springs

Avg. Car Insurance in Harbor Springs

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Harbor Springs

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Harbor Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Harbor Springs, MI

Way's key takeaways about car insurance in Harbor Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Harbor Springs

Cheapest Liability Coverage in Harbor Springs, MI

Cheapest Full Coverage Car Insurance in Harbor Springs

Cheapest Full Coverage Car Insurance Quotes in Harbor Springs, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Harbor Springs by Rating Factor

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

Car Insurance Premiums by Age in Harbor Springs

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Springs

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

Harbor Springs Car Insurance Rates by Violation

Harbor Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Harbor Springs after a DUI

Harbor Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Harbor Springs after Speeding ticket

Car Insurance Price Trends in Harbor Springs, Michigan

Average Car Insurance Cost in Harbor Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Harbor Springs, MI

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

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