Updated: December 15, 2025
Advertising & Editorial Disclosure
GEICO: Most affordable for diverse driver types at $82 monthly for minimum coverage and $135 for full coverage. Drivers save 31% compared to Detroit's average rates.
Travelers: Runner-up for affordability with $57 minimum and $180 full coverage monthly. It's especially competitive for drivers with an accident or drivers with a speeding ticket.
Auto-Owners: Stands out with budget-friendly options for young drivers and senior drivers, making it a smart choice for age-specific savings.
Cheapest by Coverage and Driver Profile in Detroit:
Travelers charges the lowest minimum coverage rates in Detroit at $57 monthly, 47% below the city average. GEICO ranks second at $82 monthly with 52% savings. GEICO leads full coverage pricing at $135 monthly, 52% under Detroit's average. Travelers' full coverage costs $180 monthly, delivering 47% savings. Your rates depend on your ZIP code and driving record. Compare quotes from multiple insurers to find your best price.
| Travelers | $58 | $180 | -47% |
| Geico | $83 | $135 | -52% |
| Auto Owners | $104 | $204 | -32% |
| Allstate | $113 | $263 | -17% |
| Progressive | $118 | $201 | -29% |
Not in Detroit? Read more about the cheapest car insurance or the best car insurance in Michigan.
Young drivers in Detroit pay high rates due to their inexperience. GEICO offers the lowest premiums at $242 monthly, followed by Auto-Owners at $290 and Allstate at $477.
You'll save money by staying on your parents' policy rather than buying your own. Defensive driving courses reduce premiums by 5% to 15% with most insurers.
| Geico | $242 | $2,907 | -62% |
| Auto Owners | $290 | $3,482 | -54% |
| Allstate | $477 | $5,729 | -25% |
| AAA | $538 | $6,456 | -15% |
| Progressive | $611 | $7,327 | -4% |
Progressive offers Detroit seniors the lowest full coverage rates at $238 monthly. Auto-Owners charges $250 monthly, and GEICO costs $272.
Seniors qualify for accident forgiveness with most insurers, protecting rates after a first at-fault claim. Defensive driving courses cut premiums up to 10% for three years.
| Progressive | $238 | $2,861 | -36% |
| Auto Owners | $251 | $3,007 | -32% |
| Geico | $272 | $3,265 | -27% |
| Allstate | $284 | $3,409 | -23% |
| AAA | $315 | $3,777 | -15% |
Violations increase your rates, but some insurers charge less than others. Progressive offers the lowest DUI rates at $144 monthly for minimum coverage. Auto-Owners ranks second at $242.
Travelers charges the least for speeding tickets at $104 monthly, followed by Auto-Owners at $132. Auto-Owners leads for at-fault accidents at $117 monthly, with Travelers second at $153.
Speeding tickets affect rates for three to five years. DUIs impact premiums up to 10 years. Compare quotes from multiple insurers after any violation as prices can vary.
| At-Fault Accident | Auto Owners | $117 | -42% |
| At-Fault Accident | Travelers | $154 | -24% |
| DUI | Progressive | $144 | -66% |
| DUI | Auto Owners | $242 | -43% |
| Speeding Ticket | Travelers | $104 | -50% |
| Speeding Ticket | Auto Owners | $132 | -36% |
Your ZIP code affects your Detroit car insurance rates. Drivers in 48207 pay $363 monthly for full coverage, while 48242 residents pay $202, a $161 monthly difference.
Traffic density, crime rates and accident frequency vary by neighborhood, creating these price gaps across the city.
| 48207 | $363 |
| 48219 | $341 |
| 48209 | $340 |
| 48213 | $309 |
| 48206 | $301 |
| 48214 | $300 |
| 48205 | $300 |
| 48227 | $299 |
| 48204 | $296 |
| 48201 | $296 |
| 48242 | $202 |
| 48243 | $228 |
| 48233 | $229 |
| 48217 | $265 |
| 48223 | $271 |
| 48224 | $279 |
| 48203 | $281 |
| 48216 | $285 |
| 48221 | $285 |
| 48228 | $287 |
Travelers ranks highest in Detroit with a MoneyGeek score of 94 out of 100. The insurer offers the lowest average premiums while maintaining strong customer satisfaction ratings.
Auto-Owners, Progressive, GEICO and Allstate complete the top five. Auto-Owners earns perfect customer experience scores, Progressive provides extensive coverage options, and GEICO maintains competitive rates.
| Travelers | 95 | 2 | 2 | 5 |
| Auto Owners | 93 | 3 | 1 | 6 |
| Progressive | 89 | 4 | 3 | 2 |
| Geico | 89 | 1 | 8 | 7 |
| Allstate | 83 | 5 | 9 | 4 |
Mobile app claims filing with repair shop network
Accident forgiveness protects your driving record
IntelliDrive rewards safe driving with discounts
Limited rideshare coverage for Uber and Lyft drivers
Less flexibility customizing coverage than most competitors
Travelers' MyTravelers app provides 24/7 policy management and roadside assistance, essential during Detroit winters. The company charges the lowest rates for speeding tickets and DUI violations.
Travelers processes claims through pre-approved repair shops and offers comprehensive coverage for theft and weather damage. Gap insurance and accident forgiveness add extra protection for Detroit drivers.
Top-rated customer service and claims experience
Century of Michigan insurance expertise and knowledge
Diminishing deductible rewards for safe driving
Only available in 26 states nationwide
No mobile app for claims or policy management
Weaker coverage options than most competitors
Auto-Owners charges the lowest rates for drivers with accidents and violations. The insurer ranks second for young and senior drivers in Detroit.
Auto-Owners maintains a local agency network with 24/7 digital claims handling. The company provides uninsured motorist protection and comprehensive coverage, backed by over a century of Michigan experience.
Detroit drivers know insurance costs here can drain your budget, but smart shopping strategies make affordable coverage achievable.
Combine auto with home or renters insurance for 15% to 25% savings. Add multi-car discounts (10% to 25% per vehicle) plus good driver and paperless billing perks. Detroit drivers can stack these for 30% to 40% total reductions.
Increasing your deductible from $500 to $1,000 cuts premiums by 10% to 15% yearly. Make sure you can cover the higher out-of-pocket cost if you file a claim. This strategy works best with emergency savings.
Insurance companies regularly adjust rates based on Detroit's changing risk factors. Your driving record cleans up after three years, potentially qualifying you for better rates. Annual shopping ensures you catch these opportunities.
We break down coverage options and costs to help you get the financial protection you need at the best price.
Detroit car insurance costs $289 monthly for full coverage, higher than most Michigan cities. Hamtramck has the state's highest rates at $295 monthly, while St. Joseph drivers pay just $46 monthly.
Finding affordable car insurance in Detroit starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Michigan’s insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 48207 often pay much more than those in 48242.
We partnered with the Department of Insurance and Financial Services and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Detroit ZIP code.
Our ratings for the best car insurance in Detroit are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Detroit neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
