Cheapest Car Insurance Quotes in Harbor Springs

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Harbor Springs Car Insurance

^$ 31

/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 $1059 for a six-month policy, which is $144 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $434, 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

$1059

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Harbor Springs

1st place: Travelers

At $434 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $544 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $601 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 $434 for a six-month term. This is followed by USAA, which has an average six-month premium of $544.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $716 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	$434	$73
USAA	$544	$92
Encompass	$601	$100
Auto-Owners Insurance Co	$617	$105
Chubb	$649	$108
Auto-Owners	$727	$122
AAA	$742	$125
Farm Bureau Ins of MI	$763	$129
Pioneer State Mutual Ins Co	$831	$138
Progressive	$831	$140
Westfield	$1035	$174
Farm Bureau	$1166	$198
State Farm	$1485	$250
Allstate	$1584	$269
Bristol West	$2064	$344
Farmers	$3209	$546
Hastings Mutual	$716	$120

Key Takeaways

Way's key takeaways about car insurance in Harbor Springs

The auto insurance costs in Harbor Springs fall around $434 for six months.
The cheapest auto insurance company in Harbor Springs is Travelers.
Teen drivers pay the highest rate in Harbor Springs at $850 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 $183. Hastings Mutual is the most expensive at $313 for the same period.

Cheapest Liability Coverage in Harbor Springs, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$183	$31
Westfield	$194	$33
USAA	$246	$41
Encompass	$251	$42
Chubb	$267	$44
Auto-Owners Insurance Co	$288	$49
Auto-Owners	$340	$57
Farm Bureau Ins of MI	$371	$63
Progressive	$382	$64
AAA	$455	$77
Farm Bureau	$575	$96
Allstate	$674	$114
Bristol West	$862	$143
State Farm	$925	$156
Farmers	$1668	$278
Hastings Mutual	$313	$52

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 $73 per month and $434 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harbor Springs, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$434	$73
USAA	$544	$92
Encompass	$601	$100
Auto-Owners Insurance Co	$617	$105
Chubb	$649	$108
Auto-Owners	$727	$122
AAA	$742	$125
Farm Bureau Ins of MI	$763	$129
Pioneer State Mutual Ins Co	$831	$138
Progressive	$831	$140
Westfield	$1035	$174
Farm Bureau	$1166	$198
State Farm	$1485	$250
Allstate	$1584	$269
Bristol West	$2064	$344
Farmers	$3209	$546
Hastings Mutual	$716	$120

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$246
30s	USAA	$187
40s	USAA	$179
50s	USAA	$172
60s	Chubb	$157
70s	Chubb	$172

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 $36 per month. At $5101 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$215	$36
Westfield	$230	$39
Encompass	$251	$42
Chubb	$298	$51
Auto-Owners Insurance Co	$313	$52
Grange	$407	$70
USAA	$826	$139
Auto-Owners	$988	$166
AAA	$1317	$222
Farm Bureau	$1897	$323
Progressive	$2034	$342
Allstate	$3429	$583
State Farm	$3518	$586
Farmers	$14720	$2503
Bristol West	$5101	$850

Teen Car Insurance Rates in MI by Age

Way Tip

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

As young drivers face the highest rates in Harbor Springs, Chubb offers the cheapest auto insurance rates at $246 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 Harbor Springs, Travelers is the cheapest car insurance provider. At $350 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 $1108 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$350	$60
Encompass	$361	$60
Progressive	$507	$86
Westfield	$533	$89
Auto-Owners Insurance Co	$565	$96
Pioneer State Mutual Ins Co	$690	$115
Grange	$873	$149
Farm Bureau Ins of MI	$1108	$185

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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 $267 and $282, respectively. Pioneer State is an expensive provider with an average six-month premium of $418.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$267	$46
Westfield	$282	$47
Auto-Owners Insurance Co	$329	$56
Encompass	$371	$62
Farm Bureau Ins of MI	$439	$75
Pioneer State Mutual Ins Co	$486	$81
Travelers	$517	$87
USAA	$649	$109
Progressive	$716	$121
Auto-Owners	$800	$135
AAA	$1024	$172
Farm Bureau	$1427	$238
State Farm	$1625	$276
Allstate	$2525	$421
Farmers	$4511	$767
Pioneer State	$418	$70

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 $2112 for a six month policy. While the rate increases by $1150 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	$1150	$192
Failure to wear a seat belt	$1364	$232
Cell phone violation	$1448	$241
Texting while driving	$1448	$246
Illegal turn	$1453	$242
Wrong way/wrong lane	$1453	$247
Speeding in school zone	$1474	$246
Driving with expired registration	$1485	$253
Failure to stop at a red light	$1500	$250
Improper passing	$1500	$255
Speeding 16 - 20 MPH over limit	$1668	$278
Open container	$1965	$334
Driving with a suspended license	$2201	$367
Racing	$2838	$482
Reckless driving	$3084	$514
Leaving scene of an accident/hit and run	$3163	$538
DUI	$3262	$544

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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 $267 for a six-month policy. However, it can be as expensive as $8238 with companies like Allstate.

Harbor Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$267	$44
Auto-Owners Insurance Co	$706	$120
Grange	$711	$119
Progressive	$758	$128
Pioneer State Mutual Ins Co	$857	$143
USAA	$925	$156
Travelers	$1051	$175
Auto-Owners	$1589	$268
Westfield	$1730	$291
AAA	$1787	$301
Bristol West	$2446	$407
Farmers	$2509	$422
Farm Bureau	$2969	$495
State Farm	$3737	$629
Allstate	$8238	$1373

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 $230. However, it can be as expensive as $10397 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	$230	$39
Chubb	$267	$44
Encompass	$282	$48
Travelers	$345	$57
Auto-Owners Insurance Co	$366	$62
Farm Bureau Ins of MI	$523	$87
USAA	$544	$92
Grange	$554	$92
Auto-Owners	$763	$129
Progressive	$1118	$188
AAA	$1134	$193
Farm Bureau	$1140	$190
Allstate	$2064	$351
State Farm	$3465	$577
Farmers	$10397	$1768

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 $236 in December compared to $242 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 Harbor Springs rose to $78 in December, compared to $72 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Harbor Springs?

The car insurance in Harbor Springs is $31 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 $73 per month for full coverage.

How much is car insurance in Harbor Springs for teenagers?

Car insurance for teenagers costs $215 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 $1203 for a six-month policy. It will cost around $178 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 Chubb 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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