Cheapest Car Insurance Quotes in Harper Woods

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Harper Woods Car Insurance

^$ 108

/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 Harper Woods

The car insurance rate in Harper Woods is $3717 for a six-month policy, which is $2514 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1523, making it a popular choice for budget-conscious drivers. Rates in Harper Woods 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 Harper Woods

$3717

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Harper Woods

1st place: Travelers

At $1523 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1910 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $2110 for six months, making it the third cheapest auto insurance company in Harper Woods.

Harper Woods Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Harper Woods, MI is Travelers, offering policies at just $1523 for a six-month term. This is followed by USAA, which has an average six-month premium of $1910.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $2515 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harper Woods drivers find the best deals.

Cheap Car Insurance Companies in Harper Woods, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1523	$256
USAA	$1910	$321
Encompass	$2110	$352
Auto-Owners Insurance Co	$2166	$368
Chubb	$2277	$380
Auto-Owners	$2552	$430
AAA	$2605	$439
Farm Bureau Ins of MI	$2679	$454
Pioneer State Mutual Ins Co	$2917	$485
Progressive	$2917	$491
Westfield	$3634	$612
Farm Bureau	$4094	$695
State Farm	$5213	$878
Allstate	$5562	$946
Bristol West	$7249	$1208
Farmers	$11269	$1916
Hastings Mutual	$2515	$420

Key Takeaways

Way's key takeaways about car insurance in Harper Woods

The auto insurance costs in Harper Woods fall around $1523 for six months.
The cheapest auto insurance company in Harper Woods is Travelers.
Teen drivers pay the highest rate in Harper Woods at $2985 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 Harper Woods

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 Harper Woods are given below.

Travelers provides the cheapest minimum car insurance coverage in Harper Woods. Their Average 6 Month Premium is $643. Hastings Mutual is the most expensive at $1100 for the same period.

Cheapest Liability Coverage in Harper Woods, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$643	$108
Westfield	$680	$114
USAA	$862	$145
Encompass	$881	$148
Chubb	$936	$155
Auto-Owners Insurance Co	$1010	$173
Auto-Owners	$1193	$201
Farm Bureau Ins of MI	$1304	$222
Progressive	$1341	$226
AAA	$1598	$272
Farm Bureau	$2018	$337
Allstate	$2367	$402
Bristol West	$3028	$504
State Farm	$3248	$547
Farmers	$5856	$976
Hastings Mutual	$1100	$182

Cheapest Full Coverage Car Insurance in Harper Woods

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 Harper Woods is Travelers at $256 per month and $1523 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harper Woods, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1523	$256
USAA	$1910	$321
Encompass	$2110	$352
Auto-Owners Insurance Co	$2166	$368
Chubb	$2277	$380
Auto-Owners	$2552	$430
AAA	$2605	$439
Farm Bureau Ins of MI	$2679	$454
Pioneer State Mutual Ins Co	$2917	$485
Progressive	$2917	$491
Westfield	$3634	$612
Farm Bureau	$4094	$695
State Farm	$5213	$878
Allstate	$5562	$946
Bristol West	$7249	$1208
Farmers	$11269	$1916
Hastings Mutual	$2515	$420

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Average Car Insurance in Harper Woods 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 Harper Woods, MI increasing?

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

Car Insurance Premiums by Age in Harper Woods

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	$862
30s	USAA	$655
40s	USAA	$627
50s	USAA	$603
60s	Chubb	$550
70s	Chubb	$603

Cheapest Car Insurance Rates for Teen Drivers in Harper Woods,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Harper Woods at $127 per month. At $17913 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$754	$127
Westfield	$806	$136
Encompass	$881	$148
Chubb	$1048	$179
Auto-Owners Insurance Co	$1100	$182
Grange	$1431	$244
USAA	$2902	$488
Auto-Owners	$3470	$584
AAA	$4626	$779
Farm Bureau	$6662	$1134
Progressive	$7141	$1202
Allstate	$12042	$2049
State Farm	$12354	$2058
Farmers	$51686	$8788
Bristol West	$17913	$2985

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 Harper Woods.

As young drivers face the highest rates in Harper Woods, Chubb offers the cheapest auto insurance rates at $862 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 Harper Woods, Travelers is the cheapest car insurance provider. At $1230 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 Harper Woods is Farm Bureau Ins of MI, offering rates of around $3890 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1230	$210
Encompass	$1267	$210
Progressive	$1780	$303
Westfield	$1873	$312
Auto-Owners Insurance Co	$1984	$337
Pioneer State Mutual Ins Co	$2423	$405
Grange	$3065	$522
Farm Bureau Ins of MI	$3890	$649

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Harper Woods.

Car Insurance Rates with An Accident in Harper Woods

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

Cheapest Car Insurance Companies after an At-Fault Accident in Harper Woods

The cheapest car insurance companies after an at-fault accident in Harper Woods include Chubb and Westfield, offering $936 and $992, respectively. Pioneer State is an expensive provider with an average six-month premium of $1468.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$936	$161
Westfield	$992	$164
Auto-Owners Insurance Co	$1156	$198
Encompass	$1304	$216
Farm Bureau Ins of MI	$1542	$263
Pioneer State Mutual Ins Co	$1706	$284
Travelers	$1817	$306
USAA	$2277	$383
Progressive	$2515	$423
Auto-Owners	$2809	$473
AAA	$3597	$606
Farm Bureau	$5012	$834
State Farm	$5707	$970
Allstate	$8865	$1477
Farmers	$15839	$2694
Pioneer State	$1468	$244

Harper Woods Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Harper Woods MI. For example, the car insurance in Harper Woods after a DUI increases to $7416 for a six month policy. While the rate increases by $4039 for a six-month policy in the case of a speeding ticket.

Harper Woods auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$4039	$674
Failure to wear a seat belt	$4790	$816
Cell phone violation	$5083	$847
Texting while driving	$5083	$865
Illegal turn	$5102	$850
Wrong way/wrong lane	$5102	$868
Speeding in school zone	$5176	$862
Driving with expired registration	$5213	$887
Failure to stop at a red light	$5268	$878
Improper passing	$5268	$896
Speeding 16 - 20 MPH over limit	$5856	$976
Open container	$6900	$1174
Driving with a suspended license	$7728	$1289
Racing	$9965	$1693
Reckless driving	$10830	$1805
Leaving scene of an accident/hit and run	$11105	$1888
DUI	$11455	$1910

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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 Harper Woods 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 Harper Woods.

The cheapest car insurance premiums in Harper Woods are offered by Chubb at $936 for a six-month policy. However, it can be as expensive as $28925 with companies like Allstate.

Harper Woods car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$936	$155
Auto-Owners Insurance Co	$2478	$420
Grange	$2497	$417
Progressive	$2660	$448
Pioneer State Mutual Ins Co	$3010	$501
USAA	$3248	$547
Travelers	$3689	$615
Auto-Owners	$5581	$939
Westfield	$6075	$1023
AAA	$6276	$1057
Bristol West	$8590	$1431
Farmers	$8810	$1483
Farm Bureau	$10426	$1737
State Farm	$13123	$2209
Allstate	$28925	$4820

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 Harper Woods are offered by Westfield at $806. However, it can be as expensive as $36508 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Harper Woods after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$806	$136
Chubb	$936	$155
Encompass	$992	$170
Travelers	$1211	$201
Auto-Owners Insurance Co	$1285	$219
Farm Bureau Ins of MI	$1835	$306
USAA	$1910	$324
Grange	$1947	$324
Auto-Owners	$2679	$454
Progressive	$3927	$661
AAA	$3983	$677
Farm Bureau	$4002	$667
Allstate	$7249	$1233
State Farm	$12168	$2027
Farmers	$36508	$6208

Car Insurance Price Trends in Harper Woods, Michigan

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

The average cost of full coverage in the Harper Woods dipped by $828 in December compared to $850 of November. In other words, there has been an decrease by $22 when you compare December and November.

The average cost of liability insurance in the Harper Woods rose to $275 in December, compared to $253 in November. This represents an increase of $22 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Harper Woods?

The car insurance in Harper Woods is $108 per month, which is higher than the national average.

What is the cheapest car insurance in Harper Woods?

The cheapest car insurance in Harper Woods is $256 per month for full coverage.

How much is car insurance in Harper Woods for teenagers?

Car insurance for teenagers costs $754 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 Harper Woods?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $624 per month to insure your car in Harper Woods.

Is car insurance expensive in Harper Woods?

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

Cheapest Car Insurance Quotes in Harper Woods

Why you can trust Way?

How Much Is Car Insurance in Harper Woods

Avg. Car Insurance in Harper Woods

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Harper Woods

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Harper Woods Car Insurance Rates by Company

Cheap Car Insurance Companies in Harper Woods, MI

Way's key takeaways about car insurance in Harper Woods

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Harper Woods

Cheapest Liability Coverage in Harper Woods, MI

Cheapest Full Coverage Car Insurance in Harper Woods

Cheapest Full Coverage Car Insurance Quotes in Harper Woods, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Harper Woods by Rating Factor

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

Car Insurance Premiums by Age in Harper Woods

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Harper Woods,MI

If you are in your twenties Chubb is the best choice for car insurance in Harper Woods.

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 Harper Woods

Cheapest Car Insurance Companies after an At-Fault Accident in Harper Woods

Harper Woods Car Insurance Rates by Violation

Harper Woods auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Harper Woods after a DUI

Harper Woods car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Harper Woods after Speeding ticket

Car Insurance Price Trends in Harper Woods, Michigan

Average Car Insurance Cost in Harper Woods by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Harper Woods, MI

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

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