Cheapest Car Insurance Quotes in Keego Harbor

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Keego Harbor Car Insurance

^$ 45

/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 Keego Harbor

The car insurance rate in Keego Harbor is $1708 for a six-month policy, which is $384 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $636, making it a popular choice for budget-conscious drivers. Rates in Keego Harbor 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 Keego Harbor

$1708

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Keego Harbor

1st place: Travelers

At $636 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $813 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $881 for six months, making it the third cheapest auto insurance company in Keego Harbor.

Keego Harbor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Keego Harbor, MI is Travelers, offering policies at just $636 for a six-month term. This is followed by USAA, which has an average six-month premium of $813.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1050 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Keego Harbor drivers find the best deals.

Cheap Car Insurance Companies in Keego Harbor, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$636	$107
USAA	$813	$137
Encompass	$881	$150
Auto-Owners Insurance Co	$904	$151
Chubb	$951	$161
Farm Bureau Ins of MI	$1118	$187
Auto-Owners	$1173	$197
AAA	$1180	$199
Pioneer State Mutual Ins Co	$1218	$208
Progressive	$1249	$210
Westfield	$1517	$255
Farm Bureau	$2168	$361
Pioneer State Mutual	$2361	$401
State Farm	$2521	$424
Frankenmuth	$2682	$457
Bristol West	$3026	$504
Allstate	$2322	$395
Farmers	$4705	$800
Hastings Mutual	$1050	$175

Key Takeaways

Way's key takeaways about car insurance in Keego Harbor

The auto insurance costs in Keego Harbor fall around $636 for six months.
The cheapest auto insurance company in Keego Harbor is Travelers.
Teen drivers pay the highest rate in Keego Harbor at $1246 per month.

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Cheapest Minimum Liability Car Insurance in Keego Harbor

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 Keego Harbor are given below.

Travelers provides the cheapest minimum car insurance coverage in Keego Harbor. Their Average 6 Month Premium is $268. Farmers is the most expensive at $2445 for the same period.

Cheapest Liability Coverage in Keego Harbor, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$268	$45
Westfield	$284	$48
USAA	$337	$57
Encompass	$368	$62
Chubb	$391	$67
Auto-Owners Insurance Co	$422	$70
Auto-Owners	$467	$79
Progressive	$529	$89
AAA	$537	$92
Farm Bureau Ins of MI	$544	$90
Farm Bureau	$682	$116
Pioneer State Mutual	$690	$115
Frankenmuth	$813	$138
State Farm	$1256	$212
Bristol West	$1264	$215
Allstate	$988	$168
Farmers	$2445	$408

Cheapest Full Coverage Car Insurance in Keego Harbor

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 Keego Harbor is Travelers at $107 per month and $636 for six months.

Cheapest Full Coverage Car Insurance Quotes in Keego Harbor, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$636	$107
USAA	$813	$137
Encompass	$881	$150
Auto-Owners Insurance Co	$904	$151
Chubb	$951	$161
Farm Bureau Ins of MI	$1118	$187
Auto-Owners	$1173	$197
AAA	$1180	$199
Pioneer State Mutual Ins Co	$1218	$208
Progressive	$1249	$210
Westfield	$1517	$255
Farm Bureau	$2168	$361
Pioneer State Mutual	$2361	$401
State Farm	$2521	$424
Frankenmuth	$2682	$457
Bristol West	$3026	$504
Allstate	$2322	$395
Farmers	$4705	$800
Hastings Mutual	$1050	$175

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

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

Car Insurance Premiums by Age in Keego Harbor

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 Keego Harbor,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Keego Harbor at $53 per month. At $7478 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$315	$53
Westfield	$337	$57
Encompass	$368	$62
Chubb	$437	$75
Auto-Owners Insurance Co	$459	$76
Grange	$597	$102
USAA	$1295	$218
Auto-Owners	$1624	$273
AAA	$2108	$355
Progressive	$2973	$501
Farm Bureau	$3540	$590
Pioneer State Mutual	$4153	$706
Frankenmuth	$4950	$826
State Farm	$6958	$1183
Allstate	$5027	$855
Farmers	$21578	$3669
Bristol West	$7478	$1246

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 Keego Harbor, Travelers is the cheapest car insurance provider. At $513 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 Keego Harbor is Farm Bureau Ins of MI, offering rates of around $1624 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$513	$85
Encompass	$529	$90
Progressive	$743	$124
Westfield	$782	$133
Auto-Owners Insurance Co	$828	$138
Pioneer State Mutual Ins Co	$1011	$172
Grange	$1280	$213
Farm Bureau Ins of MI	$1624	$276

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Car Insurance Rates with An Accident in Keego Harbor

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

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

The cheapest car insurance companies after an at-fault accident in Keego Harbor include Chubb and Westfield, offering $391 and $414, respectively. Pioneer State is an expensive provider with an average six-month premium of $613.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$391	$67
Westfield	$414	$68
Auto-Owners Insurance Co	$482	$83
Encompass	$544	$90
Farm Bureau Ins of MI	$644	$110
Pioneer State Mutual Ins Co	$712	$119
Travelers	$759	$128
USAA	$988	$166
Progressive	$1173	$197
Auto-Owners	$1364	$230
AAA	$1624	$273
Farm Bureau	$2651	$442
Pioneer State Mutual	$2828	$481
State Farm	$3195	$533
Frankenmuth	$3448	$587
Allstate	$3701	$617
Farmers	$6613	$1125
Pioneer State	$613	$102

Keego Harbor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Keego Harbor MI. For example, the car insurance in Keego Harbor after a DUI increases to $3096 for a six month policy. While the rate increases by $1686 for a six-month policy in the case of a speeding ticket.

Keego Harbor auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1686	$281
Failure to wear a seat belt	$2000	$341
Cell phone violation	$2122	$353
Texting while driving	$2122	$361
Illegal turn	$2130	$355
Wrong way/wrong lane	$2130	$362
Speeding in school zone	$2161	$360
Driving with expired registration	$2176	$370
Failure to stop at a red light	$2199	$366
Improper passing	$2199	$374
Speeding 16 - 20 MPH over limit	$2445	$408
Open container	$2881	$490
Driving with a suspended license	$3226	$538
Racing	$4160	$707
Reckless driving	$4521	$753
Leaving scene of an accident/hit and run	$4636	$788
DUI	$4782	$797

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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 Keego Harbor 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 Keego Harbor.

The cheapest car insurance premiums in Keego Harbor are offered by Chubb at $391 for a six-month policy. However, it can be as expensive as $12076 with companies like Allstate.

Keego Harbor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$391	$65
Auto-Owners Insurance Co	$1035	$175
Grange	$1042	$174
Farmers	$1058	$179
Progressive	$1165	$196
Pioneer State Mutual Ins Co	$1256	$214
USAA	$1394	$235
Travelers	$1540	$262
Auto-Owners	$2491	$419
Westfield	$2536	$427
AAA	$2797	$471
Bristol West	$3586	$610
Pioneer State Mutual	$4514	$752
Farm Bureau	$5310	$903
State Farm	$6567	$1106
Frankenmuth	$11885	$2021
Allstate	$12076	$2012

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 Keego Harbor are offered by Westfield at $337. However, it can be as expensive as $15241 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Keego Harbor after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$337	$57
Chubb	$391	$65
Encompass	$414	$71
Travelers	$506	$84
Auto-Owners Insurance Co	$537	$92
Farm Bureau Ins of MI	$766	$128
Grange	$813	$138
Auto-Owners	$1019	$170
USAA	$1042	$177
AAA	$1318	$219
Farm Bureau	$1364	$232
Pioneer State Mutual	$1502	$250
Progressive	$1533	$258
Frankenmuth	$2452	$409
State Farm	$4460	$759
Allstate	$3026	$515
Farmers	$15241	$2592

Car Insurance Price Trends in Keego Harbor, Michigan

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

The average cost of full coverage in the Keego Harbor dipped by $271 in January compared to $346 of December. In other words, there has been an decrease by $75 when you compare January and December.

The average cost of liability insurance in the Keego Harbor dipped to $95 in January, compared to $115 in December. This represents an decrease of $20 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Keego Harbor?

The car insurance in Keego Harbor is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Keego Harbor?

The cheapest car insurance in Keego Harbor is $107 per month for full coverage.

How much is car insurance in Keego Harbor for teenagers?

Car insurance for teenagers costs $315 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 Keego Harbor?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $288 per month to insure your car in Keego Harbor.

Is car insurance expensive in Keego Harbor?

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

Cheapest Car Insurance Quotes in Keego Harbor

Why you can trust Way?

How Much Is Car Insurance in Keego Harbor

Avg. Car Insurance in Keego Harbor

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Keego Harbor

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Keego Harbor Car Insurance Rates by Company

Cheap Car Insurance Companies in Keego Harbor, MI

Way's key takeaways about car insurance in Keego Harbor

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Keego Harbor

Cheapest Liability Coverage in Keego Harbor, MI

Cheapest Full Coverage Car Insurance in Keego Harbor

Cheapest Full Coverage Car Insurance Quotes in Keego Harbor, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Keego Harbor by Rating Factor

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

Car Insurance Premiums by Age in Keego Harbor

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Keego Harbor

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

Keego Harbor Car Insurance Rates by Violation

Keego Harbor auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Keego Harbor after a DUI

Keego Harbor car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Keego Harbor after Speeding ticket

Car Insurance Price Trends in Keego Harbor, Michigan

Average Car Insurance Cost in Keego Harbor by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Keego Harbor, MI

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

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