Harper Woods, MI Auto Insurance Rates

Harper Woods, MI residents can save $1230 by comparing multiple quotes & reading reviews & research on Harper Woods car insurance rates, quotes, agents & coverage.

Compare Quotes from Top Providers and Save now!

LowestAverageHighest
$2,262 $3,067 $4,752

Latest Auto Insurance Reviews in Harper Woods, Michigan


Allstate
I have had Allstate for all of my driving histories until the last couple of years. I switched to Statefarm because they were overall cheaper. I was not thrilled with their service, as my rates increasingly went up every renewal. I purchase a new vehicle within the last few months and switched back to Allstate. As a "new customer" again, I received better coverage for cheaper rates than Statefarm and even was able to participate in a program for new vehicle owners. I received a $250 check for purchasing a Jeep, which was covered in their program. The only thing I am not overly thrilled about is the $500 collision deductible, but that is worth dealing with for the coverage and monthly fees.
Motorist Insurance
It's just basic full coverage insurance since I financed my car. Just the bare minimum full coverage available for Florida.
Progressive
I checked with Allstate, Geico, and one other less known company for quotes and Progressive was cheaper than all of them so that's whom I bought from.
Geico
Geico has been absolutely great to be with - they have good prices and keeps premiums as well as possible
Allstate
I have an insurance agent that is easy to get a hold of and very responsive. Any time I have a question or concern I can email Keith and generally get a well thought out response the same day.
Geico
I have had nothing but a great experience with customer service. The hold times are short and the staff is very friendly. I would recommend them to anyone.
Progressive
I like the customer service and the speed that issues are handled. It is very easy to pay my bill, make changes, update information and ask questions as needed.
Allstate
Allstate has always had very friendly, prompt customer service. I speak highly of them mostly because of my personal Allstate agent. He has been an agent for over 30 years and is very friendly and offers suggestions whenever possible. I sent him an email asking questions and he even called me on his day off to let me know that he got the email and offered help over the phone. Allstate truly seems to be invested in its customers.
State Farm
I like having an agent, someone whom I can look in the eyes and do business with or sit down an talk to if I need to.
Liberty Mutual
I dislike the rising premium rates, naturally. Otherwise, I can't really see a reason to dislike this company. There really is no basis for dislike at this time.
Write Your Review | Harper Woods, Michigan Auto Insurance Analysis
Nationwide Insurance, Harper Woods, MI
$288/1 month
Car Insurance Policy Holder
  • Divorced 56 Years old Female licensed 17 years ago with Leased GMC Sierra 2500HD SLT used for Business with estimated annual mileage of 12,001 - 15,000.
  • Associate & Full Time Job.
  • No accidents , Issued traffic ticket previously , No DUIs , Licence suspended previously.
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $300K (Per Person Bodily Injury) / $500K (Per Accident Bodily Injury)
  • 100 K Property Damage
  • 500 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
Progressive Insurance, Harper Woods, MI
$150/1 month
Car Insurance Policy Holder
  • Married 77 Years old Female licensed 54 years ago with Financed Toyota, Camry SE, 4 Door Sedan used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
  • Masters & Retired.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $50K (Per Person Bodily Injury) / $100K (Per Accident Bodily Injury)
  • 100 K Property Damage
  • 100 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage
State Farm Auto Insurance, Harper Woods, MI
$1,586/12 months
Car Insurance Policy Holder
  • Married 26 Years old Male licensed 3 years ago with Financed GMC, Sierra 1500 SL, 4WD 4 Door Crew Cab 143WB used for Business with estimated annual mileage of 20,001+.
  • Associate, pursuing Bachelors Degree & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 2 people are part of this policy
  • Home and Auto insurance are from difference companies
  • $50K (Per Person Bodily Injury) / $100K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 100 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
State Farm Auto Insurance, Harper Woods, MI
$1,529/12 months
Car Insurance Policy Holder
  • Divorced 58 Years old Female licensed 35 years ago with Financed Honda, Accord EX, 2 Door Coupe 2.4L used for Business with estimated annual mileage of 9,001 - 12,000.
  • Masters & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 50 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
Allstate Auto Insurance, Harper Woods, MI
$1,371/12 months
Car Insurance Policy Holder
  • Single 22 Years old Female licensed 4 years ago with Own Honda, Fit Sport, 4 Door Hatchback used for Commute to Work or School with estimated annual mileage of 20,001+.
  • High School & Freelancer.
  • No accidents , Issued traffic ticket previously , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage
Progressive Insurance, Harper Woods, MI
$2,717/12 months
Car Insurance Policy Holder
  • Single 72 Years old Female licensed 55 years ago with Own Acura, TL, 4 Door Sedan AWD used for Business with estimated annual mileage of 12,001 - 15,000.
  • Associate & Retired.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $20K (Per Person Bodily Injury) / $40K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 50 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
Progressive Insurance, Harper Woods, MI
$1,397/12 months
Car Insurance Policy Holder
  • Single 22 Years old Male licensed 5 years ago with Own Ford, Fiesta S, 4 Door Sedan used for Business with estimated annual mileage of 15,001 - 20,000.
  • Bachelors & Freelancer.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $250K (Per Person Bodily Injury) / $500K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 500 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
Allstate Auto Insurance, Harper Woods, MI
$1,633/12 months
Car Insurance Policy Holder
  • Divorced 68 Years old Female licensed 32 years ago with Financed Ford, Edge Sport, 4 Door 2WD Utility used for Commute to Work or School with estimated annual mileage of 5,001 - 6,000.
  • Less than High School & Retired.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 25 K Property Damage
  • 50 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage

Harper Woods Car Insurance Rate Comparisons

Harper Woods, MI's average car insurance of $3067 differs from Detroit, MI (+$1029), Mount Clemens, MI (-$730), Fraser, MI (-$704) and Michigan (-$547)

Harper Woods Detroit, MI Mount Clemens, MI Fraser, MI Michigan
Median Insurance Rates $3067 +$1029 -$730 -$704 -$547

Harper Woods Car Insurance Savings By Neighborhood & Street Area

Harper Woods Driver Street Residence & Car Locations Car Details in Harper Woods Harper Woods Driver Demographics Harper Woods Auto Insurance Estimates Recent Harper Woods Insurance Savings
Other Area
Duprey Ave2004 Buick Rendezvous CXL16 year female teenager$5,347$313
Elm Ct2005 Audi A4 3.0 quattro72 year senior$3,937$333
Huntington Ave2009 Ford Fusion SEL62 year female senior$3,160$790
Lochmoor St2007 Acura TSX Base w/Navi30 year man$3,937$601
Harper Ct2003 Chevrolet Silverado 2500HD Work Truck19 year male teenager$5,251$566
Danbury Ln2010 Lincoln MKZ Base36 year married woman$2,542$393
Williamsburg Ct2010 Mazda Mazda3 s Sport53 year woman$2,733$829
Lennon St2011 Hyundai Sonata GLS71 year male senior$3,342$517
Van Antwerp St2006 Chrysler 300C SRT-8 Base18 year teenager$5,578$552
Kenmore Ave2010 Toyota Prius V28 year married man$3,493$642

Harper Woods Post DUI Car Insurance Rates

Harper Woods Fraser Roseville Detroit Michigan
Median Post DUI Insurance Rate $5704 -$1309 -$1436 +$1914 -$1017
Male Teenager Post DUI Insurance Rate $10209 -$2344 -$2569 +$3426 -$1821
Female Teenager Post DUI Insurance Rate $10153 -$2330 -$2555 +$3406 -$1811

The Post DUI insurance in Harper Woods, MI's is $5704 compared to Fraser (-$1309), Roseville (-$1436), Detroit (+$1914) and Michigan (-$1017)

In Harper Woods, a male teenager with Post DUI pays $56 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2009 Ford Fusion SEL in Harper Woods, MI would pay $9394 on auto insurance while a female teenager POST DUI would pay $9342.

Harper Woods Car Insurance by Segment

Harper Woods Teenagers Car Insurance Rates Comparison

1477 Harper Woods Teenagers (10% of total population), 45% Male & 55% Female.

Harper Woods Clinton charter Mount Clemens Center Line Michigan
All Teenagers $5459 -$1116 -$1300 -$1036 -$974
Male Teenager $5489 -$1122 -$1306 -$1041 -$979
Female Teenager $5459 -$1116 -$1300 -$1036 -$974

Harper Woods teenagers pay $5459 in insurance in contrast with Clinton charter (-$1116), Mount Clemens (-$1300), Center Line (-$1036) and Michigan (-$974). The difference between Male & Female teenagers in Harper Woods is $30

Example

  • 2012 Honda Civic LX Male Teenager Insurance Rate $5,110
  • 2012 Dodge Journey SXT Female Teenager Insurance Rate $5,097

Harper Woods Men & Women Car Insurance

14136 Harper Woods Adults (100% of total population), 46% Men & 54% Women.

Harper Woods Hamtramck Pleasant Ridge Grosse Pointe Woods Michigan
All Women $2821 +$880 +$196 -$611 -$503
Married Women $2453 +$765 +$171 -$531 -$437
All Men $3803 +$1185 +$264 -$824 -$679
Married Men $3619 +$1128 +$251 -$784 -$646

The typical insurance rate of $3803 that Harper Woods Men pay varies from Hamtramck (+$1185), Pleasant Ridge (+$264), Grosse Pointe Woods (-$824) and Michigan (-$679). In Harper Woods, married men pay $1166 more than married women.

Example

  • 2011 GMC Sierra 1500 SLE Married Men Insurance Rate $3,001
  • 2013 Nissan Rogue S Married Women Insurance Rate $3,450

Harper Woods Senior Car Insurance

2514 Harper Woods Seniors (17% of total population), 38% Senior Men & 62% Senior Women.

Harper Woods Pleasant Ridge Mount Clemens St. Clair Shores Michigan
All Seniors $3404 +$236 -$810 -$1147 -$607
Senior Men $3404 +$236 -$810 -$1147 -$607
Senior Women $3435 +$238 -$818 -$1157 -$613

Harper Woods seniors pay $3404 in insurance compared to Pleasant Ridge (+$236), Mount Clemens (-$810), St. Clair Shores (-$1147) and Michigan (-$607). In Harper Woods, senior men pay $31 less than senior women.

Harper Woods Car Insurance Discounts for Multiple Vehicles

Harper Woods Population with 1 Vehicle 2587 (45% of Harper Woods population), 2 Vehicles 1966 (34% of the Harper Woods population) and 3 vehicles 483 (8% of the population)

Harper Woods Clinton charter Grosse Pointe Farms Fraser Michigan
2 Vehicles $5828 -$1192 +$784 -$1338 -$1040
3 Vehicles $8895 -$1819 +$1197 -$2042 -$1587
4 Vehicles $11962 -$2446 +$1610 -$2746 -$2134