Buy Cheap Benton Harbor, MI Auto Insurance (2022)

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.

UPDATED: Mar 15, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Mar 15, 2022

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A Concise Overview

  • 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.

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.

Minimum Required Auto Insurance Coverage in Benton Harbor, Michigan

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.

Annual Auto Insurance Rates by Credit Score in Benton Harbor, Michigan

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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Benton Harbor, Michigan

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.

Annual Auto Insurance Rates for Teen Drivers in Benton Harbor, Michigan

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.

Annual Auto Insurance Rates for Senior Drivers in Benton Harbor, Michigan

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.

Annual Auto Insurance Rates by Coverage Level in Benton Harbor, Michigan

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.

Annual Auto Insurance Rates by Commute Length in Benton Harbor, Michigan

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.

Annual Benton Harbor, Michigan Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Benton Harbor, Michigan

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.

Best Annual Auto Insurance Rates by Company in Benton Harbor, Michigan

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.

Average Annual Auto Insurance Rates by Company in Benton Harbor, Michigan

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.

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