Best Car Insurance Companies in Detroit, MI

The best car insurance will depend on your needs and driving profile. Chubb emerged as the highest-scoring insurance company overall in Detroit. It also offers the best customer service, cheap policies and is ideal for young drivers, seniors and those with offenses. Auto-Owners is an excellent choice for teens on a family policy, while Travelers has the best coverage for new car owners.

MoneyGeek also analyzed the cheapest car insurance in Detroit.

For the average driver in Detroit, the overall best car insurance providers for full coverage are:

• Chubb: MoneyGeek score 89 out of 100 ($977 per year)
• Farm Bureau Ins of MI: MoneyGeek score 79 out of 100 ($3,516 per year)

Chubb scored well for affordability and satisfaction, two of the most important categories to be considered the best overall insurer in a given city. This insurer also emerged as the best car insurance company in Michigan, scoring 95 out of 100.

Military families may want to consider USAA. It scored 85 out of 100.

Out of 13 top insurers in Detroit, Chubb ranked as the best car insurance company for performing well in most categories, including affordability, customer satisfaction and claims management. The runner-up did outperform it on coverage options.

Rates in this category are for a full coverage policy, and only companies that we could rate for every factor received a MoneyGeek score.

When cost is not a factor, the top companies for customer service and full coverage policies in Detroit are:

• Chubb: MoneyGeek score 76 out of 100 ($977 per year)
• Farm Bureau Ins of MI: MoneyGeek score 73 out of 100 ($3,516 per year)

Chubb is an excellent choice for those prioritizing customer service and claims management. It is also affordable, so policyholders won’t pay extra for top-notch service.

Having good customer service means that an insurer provides assistance to its policyholders in an efficient and supportive manner.

Based on J.D. Power ratings, Chubb took the top spot in this category, ranking highly in customer service and claims management. While Farm Bureau Ins of MI scored better for coverage options, Chubb’s superior claims and service scores earned it a first-place score.

MoneyGeek's analysis of affordability and service quality determined that the best insurers for minimum coverage policies in Detroit are:

• Chubb: MoneyGeek score 89 out of 100 ($391 per year)
• Travelers: MoneyGeek score 80 out of 100 ($253 per year)

While these providers may offer the cheapest rates in Detroit for minimum coverage, they may not provide sufficient protection against liability costs. It's worth considering additional coverage options.

The minimum car insurance requirements in Michigan are the same for all cities.

Policies that meet the minimum requirements set by the state are known as minimum coverage policies. Although these policies may be cheaper, there may be a trade-off with customer service quality.

Chubb ranks as the best company for cheap policies, but its coverage and affordability scores are lower than Travelers, the runner-up. It does score better in terms of customer service and claims management.

The best car insurance companies for young adults in Detroit who need a full coverage policy are:

• Chubb: MoneyGeek score 89 out of 100 ($1,084 per year)
• Farm Bureau Ins of MI: MoneyGeek score 78 out of 100 ($4,333 per year)

Chubb ranked the highest on affordability and customer satisfaction, which are both good indicators of a good insurer that will be reliable in times of emergencies.

Insurance companies that cater to young adults should offer policies that are affordable and with coverages and discounts specifically tailored to their unique needs and risks as young drivers.

When searching for insurance policies, young adults should seek out policies with lower premiums, higher deductibles and discounts for young drivers. Chubb is the best option in Detroit due to its affordable premiums and excellent service, but the runner-up offers more coverage options.

The best car insurance companies for teens on a full coverage family policy in Detroit are:

• Auto-Owners: MoneyGeek score 81 out of 100 ($4,201 per year)
• GEICO: MoneyGeek score 75 out of 100 ($4,070 per year)

Auto-Owners scored highly in affordability and coverages, which means teens can ensure financial protection at a reasonable price.

Insurance companies generally offer lower premiums for family plans than for individual policies. In Detroit, the average cost of a family premium is $3,897 less per year than an individual policy. Insurers will not allow teens under 18 to get a policy without a guardian’s permission.

To be considered the best insurer for teens, an insurance company should provide adequate coverage, affordable rates and discounts tailored to young drivers.

Auto-Owners checks most of the boxes for these requirements, earning the top spot in this category. The runner-up, GEICO, did score better in terms of affordability.

The best car insurance for seniors in Detroit for full coverage are the following insurers:

• Chubb: MoneyGeek score 89 out of 100 ($809 per year)
• Farm Bureau Ins of MI: MoneyGeek score 79 out of 100 ($3,244 per year)

Chubb scored highly for affordability and customer service, which are two key factors that seniors can benefit from when choosing an insurer. The rates for drivers in their 30s through 60s are generally comparable, but premiums tend to rise once a driver reaches their 70s. Since rates typically increase for this demographic, it's essential to find an insurer that offers affordable policies to save money.

Although drivers in their 60s are typically safe drivers, they are more vulnerable to serious injuries if they get into accidents. It is important to find an insurer that provides adequate coverage for personal injury protection (PIP) or medical payment coverage. Additionally, the best car insurance companies for seniors should offer various discounts specifically for seniors.

While Chubb doesn’t offer senior-specific discounts, it is affordable and offers excellent service.

Drivers with poor driving records in Detroit can find the best deals on full coverage policies from the following insurers:

• Chubb: MoneyGeek score 89 out of 100 ($977 per year)
• Auto-Owners: MoneyGeek score 75 out of 100 ($5,858 per year)

Chubb scored the highest individually in affordability and customer service.

Car insurance premiums tend to increase based on how severe the driving infraction is. In Detroit, drivers with tickets could pay $1,622 more per year than a driver with no violations, while a DUI can result in an increase in rates of around $5,569 annually.

Finding a suitable auto insurance policy can be a challenge for drivers with driving offenses. Insurance companies should offer comprehensive protection for such drivers in the event of an accident. Drivers should consider policies that provide discounts, have a strong financial standing and are known for their exceptional customer service.

While Chubb’s coverage score is low, it ranked well for affordability, service and claims management. It’s a great option for drivers with violations.

In Detroit, the following auto insurance companies are the best choice for new car owners and full coverage policies:

• Travelers: MoneyGeek score 76 out of 100 ($2,894 per year)
• Farmers: MoneyGeek score 41 out of 100 ($13,021 per year)

For this specific category, the rating is determined by examining Michigan drivers who own a 2022 model car. Additionally, we have solely evaluated insurance companies that provide new car replacement or better car replacement coverage. This type of coverage replaces a vehicle with a new or improved model if it is totaled in an accident covered by the policy.

Travelers scored best for affordability and coverage options.

Insurance companies that aim to provide excellent policies for new car owners must offer sufficient coverage that factors in the vehicle's value and the possibility of high repair or replacement expenses, including new car replacement coverage.

Travelers is the top option in Detroit for new car owners given its affordability and coverage options as well as its discount opportunities.

Determining the best car insurance in Detroit relies on your individual coverage requirements and financial constraints. We answered some frequently asked questions regarding car insurance in Detroit.