Car Insurance in Detroit

Adult drivers with Travelers pay Detroit's cheapest rates at $692 annually for minimum coverage. Young drivers with GEICO pay $1,614 per year, 133% more than clean-record adults with Travelers.

Senior drivers from Auto Owners pay $1,650 annually, 138% more than adults with Travelers. Drivers with a DUI from Progressive pay $1,733 per year, 151% more than clean-record adults with Travelers.

Detroit's notoriously high insurance costs make finding the right carrier absolutely critical for managing expenses.

Travelers provides the lowest rates with $692 per year for minimum coverage and $2,160 per year for full coverage, coming in 59% below the city average of $1,671. GEICO and Auto Owners offer competitive alternatives at $991 and $1,406 annually for minimum coverage.

The wide range of pricing across carriers demonstrates the value of shopping around. Detroit's notoriously high insurance costs make finding the right carrier critical.

Even with the cheapest carrier, Detroit remains one of America's most expensive insurance markets.

Young drivers pay $1,614 annually with GEICO for minimum coverage, the highest rate among age groups. Adult drivers from Travelers secure better rates at $692 per year.

Senior drivers face costs of $1,650 annually with Auto Owners, about 138% more than adults with Travelers. Different carriers win for different age groups in Detroit's complex market.

The dramatic carrier shifts across demographics require age-specific quotes for optimal pricing.

At-fault accidents produce substantial rates at $1,406 per year with Auto Owners. Speeding tickets result in steep penalties at $1,252 with Travelers.

DUIs create the highest rate increases at $1,733 annually with Progressive, adding over $1,000 to yearly costs compared to clean-record rates with Travelers. After any violation, comparing quotes becomes critical.

Detroit's high violation penalties compound the already expensive baseline rates in this challenging market.

Travelers leads Detroit's challenging insurance market with a MoneyGeek score of 95 out of 100. The company combines competitive base rates with outstanding customer satisfaction and minimal complaint ratios, providing reliable coverage while keeping costs manageable.

AAA offers reasonable pricing with outstanding customer service and membership perks like roadside assistance. AAA shines in claims support and personalized service, making it ideal for drivers prioritizing dedicated support.

Car insurance in Detroit costs an average of $1,671 per year for minimum coverage and $3,470 per year for full coverage. These rates far exceed the Michigan state average of $623 for minimum coverage.

Auto Owners offers rates below the city average at $1,406 for minimum coverage. Detroit drivers face some of the nation's highest insurance premiums, making thorough comparison shopping absolutely essential.

In Detroit, car insurance rates by ZIP code range from $96 to $363 per month. ZIP code 48207 is the most expensive, while 48242 is the cheapest. Check the average rates for your ZIP code on the table below.

Detroit drivers face some of the highest car insurance rates in the country, and finding affordable coverage can feel overwhelming. Our step-by-step guide will show you proven ways to lower your costs while getting the right protection for your needs.

Car insurance rates in Detroit vary based on your age, driving record and credit score. While GEICO and Travelers offer the lowest average premiums, compare quotes from multiple providers to find your best rate.

Looking for cheap car insurance in Detroit? Our FAQ section provides straightforward answers about finding affordable coverage that fits your needs and budget. We break down your options without complex insurance jargon.

To help Detroit drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Department of Insurance and Financial Services  and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Michigan to tailor options as closely as possible to you.

Detroit Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Detroit

MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.

The minimum coverage requirements in Michigan are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
• Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
• Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.