Buy Cheap Benton Harbor, MI Auto Insurance in 2024
Benton Harbor, MI auto insurance rates average $733 a month. Minimum auto insurance requirements in Benton Harbor, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Benton Harbor, MI, compare Benton Harbor auto insurance quotes from top companies.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Benton Harbor, MI for teens drivers are $16,575/year
- The most expensive auto insurance company in Benton Harbor is Allstate
- Average auto insurance rates in Benton Harbor, MI after a DUI are $14,755/year
Finding affordable Benton Harbor, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Benton Harbor, MI auto insurance with confidence is right here. Auto insurance rates in Benton Harbor are affected by local factors as well as personal ones like your driving record.
See how Benton Harbor, MI car insurance rates compare to Warren auto insurance rates, Sterling Heights auto insurance rates, and Dearborn auto insurance rates before you read more about the cost of auto insurance in Benton Harbor.
Don’t buy Benton Harbor, MI auto insurance until you’ve compared rates. Get free Benton Harbor, Michigan auto insurance quotes when you enter your ZIP code above.
Table of Contents
Benton Harbor, MI Minimum Auto Insurance Requirements
The required auto insurance in Benton Harbor, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Benton Harbor, Michigan is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Find Cheap Benton Harbor, MI Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Benton Harbor, MI. Take a look at Benton Harbor, Michigan auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $30,165 | $16,740 | $12,783 |
| Farmers | $6,815 | $4,490 | $4,141 |
| Geico | $7,025 | $5,167 | $4,206 |
| Liberty Mutual | $25,550 | $14,772 | $8,173 |
| Nationwide | $6,277 | $4,756 | $4,058 |
| Progressive | $4,812 | $4,084 | $3,708 |
| State Farm | $15,423 | $7,824 | $5,327 |
| Travelers | $10,393 | $10,078 | $9,951 |
| USAA | $5,363 | $3,070 | $2,336 |
Buy Cheap Benton Harbor, MI Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Benton Harbor, Michigan auto insurance rates? Find out how car insurance rates in Benton Harbor, MI are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $14,600 | $14,600 | $13,590 | $13,590 | $36,020 | $36,020 | $15,375 | $15,375 |
| Farmers | $3,904 | $3,904 | $3,647 | $3,647 | $8,662 | $8,662 | $4,382 | $4,382 |
| Geico | $3,775 | $3,775 | $3,866 | $3,866 | $10,619 | $10,619 | $3,605 | $3,605 |
| Liberty Mutual | $12,179 | $12,179 | $12,062 | $12,062 | $28,240 | $28,240 | $12,179 | $12,179 |
| Nationwide | $3,607 | $3,607 | $3,225 | $3,225 | $9,344 | $9,344 | $3,947 | $3,947 |
| Progressive | $2,449 | $2,296 | $2,179 | $2,397 | $9,041 | $9,723 | $2,845 | $2,677 |
| State Farm | $5,760 | $5,760 | $5,357 | $5,357 | $20,224 | $20,224 | $6,758 | $6,758 |
| Travelers | $6,786 | $6,786 | $5,815 | $5,815 | $20,584 | $20,584 | $7,377 | $7,377 |
| USAA | $2,632 | $2,482 | $2,480 | $2,335 | $6,444 | $6,093 | $3,199 | $3,053 |
Buy Cheap Benton Harbor, MI Auto Insurance for Teen Drivers
Auto insurance for teenagers in Benton Harbor can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Benton Harbor, MI are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $36,020 | $36,020 |
| Farmers | $8,662 | $8,662 |
| Geico | $10,619 | $10,619 |
| Liberty Mutual | $28,240 | $28,240 |
| Nationwide | $9,344 | $9,344 |
| Progressive | $9,041 | $9,723 |
| State Farm | $20,224 | $20,224 |
| Travelers | $20,584 | $20,584 |
| USAA | $6,444 | $6,093 |
Buy Cheap Benton Harbor, MI Auto Insurance for Seniors
You can save on senior auto insurance rates in Benton Harbor, Michigan by comparing Benton Harbor senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Benton Harbor, MI here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $13,590 | $13,590 |
| Farmers | $3,647 | $3,647 |
| Geico | $3,866 | $3,866 |
| Liberty Mutual | $12,062 | $12,062 |
| Nationwide | $3,225 | $3,225 |
| Progressive | $2,179 | $2,397 |
| State Farm | $5,357 | $5,357 |
| Travelers | $5,815 | $5,815 |
| USAA | $2,480 | $2,335 |
Find Cheap Auto Insurance Rates in Benton Harbor, MI by Coverage Level
The amount of coverage you choose is a big factor in the cost of Benton Harbor, Michigan auto insurance. Compare Benton Harbor, MI auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $19,285 | $19,950 | $20,453 |
| Farmers | $5,003 | $5,135 | $5,307 |
| Geico | $5,064 | $5,412 | $5,923 |
| Liberty Mutual | $15,685 | $16,118 | $16,693 |
| Nationwide | $5,202 | $4,962 | $4,927 |
| Progressive | $4,057 | $4,208 | $4,338 |
| State Farm | $9,041 | $9,584 | $9,949 |
| Travelers | $10,035 | $10,152 | $10,234 |
| USAA | $3,466 | $3,601 | $3,703 |
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Find Cheap Benton Harbor, MI Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Benton Harbor. Compare auto insurance rates in Benton Harbor, MI by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $19,896 | $19,896 |
| Farmers | $5,149 | $5,149 |
| Geico | $5,343 | $5,590 |
| Liberty Mutual | $15,619 | $16,711 |
| Nationwide | $5,031 | $5,031 |
| Progressive | $4,201 | $4,201 |
| State Farm | $9,268 | $9,781 |
| Travelers | $10,082 | $10,199 |
| USAA | $3,549 | $3,631 |
Find Cheap Benton Harbor, MI Auto Insurance Rates by Driving Record
Auto insurance rates in Benton Harbor, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Benton Harbor, MI, take a look at the average cost for various violations versus rates for a clean driving record in Benton Harbor.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $9,604 | $12,880 | $43,593 | $13,507 |
| Farmers | $4,334 | $5,510 | $5,445 | $5,306 |
| Geico | $1,916 | $4,076 | $12,326 | $3,548 |
| Liberty Mutual | $11,060 | $13,540 | $25,747 | $14,313 |
| Nationwide | $4,317 | $5,741 | $5,217 | $4,848 |
| Progressive | $3,590 | $4,663 | $4,201 | $4,351 |
| State Farm | $6,042 | $7,253 | $15,734 | $9,071 |
| Travelers | $6,852 | $9,797 | $15,806 | $8,106 |
| USAA | $2,886 | $3,606 | $4,723 | $3,144 |
Find Cheap Benton Harbor, MI Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Benton Harbor, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Benton Harbor for less when you shop around and compare rates from multiple Benton Harbor, MI auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $43,593 |
| Farmers | $5,445 |
| Geico | $12,326 |
| Liberty Mutual | $25,747 |
| Nationwide | $5,217 |
| Progressive | $4,201 |
| State Farm | $15,734 |
| Travelers | $15,806 |
| USAA | $4,723 |
Winners by Category: Where to Buy Cheap Auto Insurance in Benton Harbor, MI
Compare rates from the cheapest auto insurance companies in Benton Harbor, MI for your needs. Take a look at how Benton Harbor, Michigan auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
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Find Cheap Benton Harbor, Michigan Auto Insurance Companies
If you’re looking for the cheapest Benton Harbor, MI auto insurance companies overall, you can compare them here. Find the best price for Benton Harbor, Michigan car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $19,896 |
| Farmers | $5,149 |
| Geico | $5,466 |
| Liberty Mutual | $16,165 |
| Nationwide | $5,031 |
| Progressive | $4,201 |
| State Farm | $9,525 |
| Travelers | $10,140 |
| USAA | $3,590 |
What affects Benton Harbor, Michigan auto insurance rates?
Local factors affect auto insurance rates in Benton Harbor, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Benton Harbor auto insurance rates.
Auto Theft in Benton Harbor
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Benton Harbor, MI auto theft show a total of 57 vehicle thefts annually.
Commute Times in Benton Harbor
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Benton Harbor, MI is 15.3 minutes according to City-Data.
Compare Auto Insurance Quotes in Benton Harbor, MI
You can buy cheap Benton Harbor, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Benton Harbor, Michigan auto insurance quotes from top companies.
Frequently Asked Questions
What is Benton Harbor, MI auto insurance?
Benton Harbor, MI auto insurance is a type of insurance coverage specifically designed to protect vehicles and drivers in Benton Harbor, Michigan. It provides financial protection in case of accidents, damage to vehicles, theft, and other covered events.
Why should I buy auto insurance in Benton Harbor, MI?
Buying auto insurance in Benton Harbor, MI is important for several reasons. It is a legal requirement to have at least a minimum level of coverage to drive in Michigan. Additionally, auto insurance provides financial protection against costly repairs, medical expenses, and liability claims resulting from accidents.
What are the different types of auto insurance coverage available in Benton Harbor, MI?
The main types of auto insurance coverage available in Benton Harbor, MI include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and medical payments coverage. Each type of coverage serves a specific purpose and provides different levels of protection.
How much auto insurance coverage do I need in Benton Harbor, MI?
The amount of auto insurance coverage you need in Benton Harbor, MI depends on various factors, including state requirements, your vehicle’s value, your driving habits, and your personal financial situation. It is advisable to carry coverage limits that adequately protect your assets and provide sufficient liability coverage.
Can I get cheap auto insurance in Benton Harbor, MI?
Yes, it is possible to find affordable auto insurance in Benton Harbor, MI. The cost of insurance can vary depending on factors such as your driving record, the type of vehicle you own, your age, and the coverage options you choose. Comparing quotes from different insurance providers and maintaining a good driving record can help you find cheaper options.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.