Cheapest Car Insurance Quotes in South Haven

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South Haven Car Insurance

^$ 32

/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 South Haven

The car insurance rate in South Haven is $1218 for a six-month policy, which is $106 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $454, making it a popular choice for budget-conscious drivers. Rates in South Haven 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 South Haven

$1218

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in South Haven

1st place: Travelers

At $454 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $580 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $628 for six months, making it the third cheapest auto insurance company in South Haven.

South Haven Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Haven, MI is Travelers, offering policies at just $454 for a six-month term. This is followed by USAA, which has an average six-month premium of $580.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $749 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Haven drivers find the best deals.

Cheap Car Insurance Companies in South Haven, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$454	$76
USAA	$580	$98
Encompass	$628	$107
Auto-Owners Insurance Co	$645	$108
Chubb	$678	$115
Farm Bureau Ins of MI	$798	$133
Auto-Owners	$836	$141
AAA	$842	$142
Pioneer State Mutual Ins Co	$868	$148
Progressive	$891	$150
Westfield	$1082	$182
Farm Bureau	$1547	$258
Pioneer State Mutual	$1684	$286
State Farm	$1798	$303
Frankenmuth	$1913	$326
Bristol West	$2158	$360
Allstate	$1656	$282
Farmers	$3355	$570
Hastings Mutual	$749	$125

Key Takeaways

Way's key takeaways about car insurance in South Haven

The auto insurance costs in South Haven fall around $454 for six months.
The cheapest auto insurance company in South Haven is Travelers.
Teen drivers pay the highest rate in South Haven at $889 per month.

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Cheapest Minimum Liability Car Insurance in South Haven

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 South Haven are given below.

Travelers provides the cheapest minimum car insurance coverage in South Haven. Their Average 6 Month Premium is $191. Farmers is the most expensive at $1743 for the same period.

Cheapest Liability Coverage in South Haven, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$191	$32
Westfield	$202	$34
USAA	$240	$40
Encompass	$262	$44
Chubb	$279	$48
Auto-Owners Insurance Co	$301	$50
Auto-Owners	$333	$56
Progressive	$377	$63
AAA	$383	$65
Farm Bureau Ins of MI	$388	$64
Farm Bureau	$487	$83
Pioneer State Mutual	$492	$82
Frankenmuth	$580	$98
State Farm	$896	$151
Bristol West	$902	$154
Allstate	$705	$120
Farmers	$1743	$291

Cheapest Full Coverage Car Insurance in South Haven

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 South Haven is Travelers at $76 per month and $454 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Haven, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$454	$76
USAA	$580	$98
Encompass	$628	$107
Auto-Owners Insurance Co	$645	$108
Chubb	$678	$115
Farm Bureau Ins of MI	$798	$133
Auto-Owners	$836	$141
AAA	$842	$142
Pioneer State Mutual Ins Co	$868	$148
Progressive	$891	$150
Westfield	$1082	$182
Farm Bureau	$1547	$258
Pioneer State Mutual	$1684	$286
State Farm	$1798	$303
Frankenmuth	$1913	$326
Bristol West	$2158	$360
Allstate	$1656	$282
Farmers	$3355	$570
Hastings Mutual	$749	$125

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Average Car Insurance in South Haven 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 South Haven, MI increasing?

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

Car Insurance Premiums by Age in South Haven

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 South Haven,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the South Haven at $38 per month. At $5333 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$224	$38
Westfield	$240	$40
Encompass	$262	$44
Chubb	$312	$53
Auto-Owners Insurance Co	$328	$54
Grange	$426	$73
USAA	$924	$155
Auto-Owners	$1158	$195
AAA	$1503	$253
Progressive	$2121	$357
Farm Bureau	$2524	$420
Pioneer State Mutual	$2961	$503
Frankenmuth	$3530	$589
State Farm	$4962	$844
Allstate	$3585	$610
Farmers	$15389	$2616
Bristol West	$5333	$889

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 South Haven, Travelers is the cheapest car insurance provider. At $366 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 South Haven is Farm Bureau Ins of MI, offering rates of around $1158 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$366	$61
Encompass	$377	$64
Progressive	$530	$88
Westfield	$558	$95
Auto-Owners Insurance Co	$591	$98
Pioneer State Mutual Ins Co	$721	$122
Grange	$913	$152
Farm Bureau Ins of MI	$1158	$197

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Car Insurance Rates with An Accident in South Haven

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Haven

The cheapest car insurance companies after an at-fault accident in South Haven include Chubb and Westfield, offering $279 and $295, respectively. Pioneer State is an expensive provider with an average six-month premium of $437.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$279	$48
Westfield	$295	$49
Auto-Owners Insurance Co	$344	$59
Encompass	$388	$64
Farm Bureau Ins of MI	$459	$78
Pioneer State Mutual Ins Co	$508	$85
Travelers	$541	$91
USAA	$705	$119
Progressive	$836	$141
Auto-Owners	$972	$164
AAA	$1158	$195
Farm Bureau	$1891	$316
Pioneer State Mutual	$2017	$343
State Farm	$2279	$380
Frankenmuth	$2459	$419
Allstate	$2639	$440
Farmers	$4716	$802
Pioneer State	$437	$73

South Haven Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Haven MI. For example, the car insurance in South Haven after a DUI increases to $2208 for a six month policy. While the rate increases by $1202 for a six-month policy in the case of a speeding ticket.

South Haven auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1202	$201
Failure to wear a seat belt	$1426	$243
Cell phone violation	$1513	$252
Texting while driving	$1513	$258
Illegal turn	$1519	$253
Wrong way/wrong lane	$1519	$259
Speeding in school zone	$1541	$257
Driving with expired registration	$1552	$264
Failure to stop at a red light	$1569	$261
Improper passing	$1569	$267
Speeding 16 - 20 MPH over limit	$1743	$291
Open container	$2054	$350
Driving with a suspended license	$2301	$384
Racing	$2967	$504
Reckless driving	$3225	$537
Leaving scene of an accident/hit and run	$3306	$562
DUI	$3410	$569

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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 South Haven 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 South Haven.

The cheapest car insurance premiums in South Haven are offered by Chubb at $279 for a six-month policy. However, it can be as expensive as $8612 with companies like Allstate.

South Haven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$279	$46
Auto-Owners Insurance Co	$738	$125
Grange	$743	$124
Farmers	$754	$128
Progressive	$831	$140
Pioneer State Mutual Ins Co	$896	$153
USAA	$995	$167
Travelers	$1098	$187
Auto-Owners	$1777	$299
Westfield	$1809	$305
AAA	$1995	$336
Bristol West	$2558	$435
Pioneer State Mutual	$3219	$536
Farm Bureau	$3787	$644
State Farm	$4684	$788
Frankenmuth	$8476	$1442
Allstate	$8612	$1435

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 South Haven are offered by Westfield at $240. However, it can be as expensive as $10870 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in South Haven after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$240	$40
Chubb	$279	$46
Encompass	$295	$51
Travelers	$361	$60
Auto-Owners Insurance Co	$383	$65
Farm Bureau Ins of MI	$546	$91
Grange	$580	$98
Auto-Owners	$727	$121
USAA	$743	$126
AAA	$940	$156
Farm Bureau	$972	$166
Pioneer State Mutual	$1071	$178
Progressive	$1093	$184
Frankenmuth	$1749	$292
State Farm	$3180	$541
Allstate	$2158	$367
Farmers	$10870	$1848

Car Insurance Price Trends in South Haven, Michigan

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

The average cost of full coverage in the South Haven dipped by $193 in January compared to $247 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 South Haven dipped to $68 in January, compared to $82 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 South Haven?

The car insurance in South Haven is $32 per month, which is lower than the national average.

What is the cheapest car insurance in South Haven?

The cheapest car insurance in South Haven is $76 per month for full coverage.

How much is car insurance in South Haven for teenagers?

Car insurance for teenagers costs $224 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 South Haven?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $205 per month to insure your car in South Haven.

Is car insurance expensive in South Haven?

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

Cheapest Car Insurance Quotes in South Haven

Why you can trust Way?

How Much Is Car Insurance in South Haven

Avg. Car Insurance in South Haven

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in South Haven

1st place: Travelers

2nd place: USAA

3rd place: Encompass

South Haven Car Insurance Rates by Company

Cheap Car Insurance Companies in South Haven, MI

Way's key takeaways about car insurance in South Haven

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Haven

Cheapest Liability Coverage in South Haven, MI

Cheapest Full Coverage Car Insurance in South Haven

Cheapest Full Coverage Car Insurance Quotes in South Haven, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Haven by Rating Factor

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

Car Insurance Premiums by Age in South Haven

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Haven,MI

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

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 South Haven

Cheapest Car Insurance Companies after an At-Fault Accident in South Haven

South Haven Car Insurance Rates by Violation

South Haven auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Haven after a DUI

South Haven car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Haven after Speeding ticket

Car Insurance Price Trends in South Haven, Michigan

Average Car Insurance Cost in South Haven by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Haven, MI

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

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