The Best Car Insurance in Detroit, MI, for 2022

MoneyGeek evaluated car insurance companies in Detroit based on financial stability, customer satisfaction and affordability. With a MoneyGeek score of 94 out of 100, Nationwide is the best car insurance company in the city. However, the best insurer will depend on your age and circumstances.

Compare Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 8/12/2022
Written By     |  

Nationwide is the best insurance company in Detroit overall. The best insurer will depend on your age, coverage needs and history. MoneyGeek broke down the best options for young and older drivers, drivers with military backgrounds, and those with driving violations.

MoneyGeek also identified the cheapest car insurance in Detroit for those who want to save more.

iconribbonBestCar InsuranceDetroit2022

The Best Car Insurance in Detroit

Best Car Insurance Companies in Detroit: Overall

MoneyGeek’s analysis of the best car insurance providers in Detroit considers each company’s claims, user satisfaction and financial stability ratings. Based on MoneyGeek’s ratings, the top car insurance providers in Detroit are:

  • Nationwide: 94 out of 100
  • Auto-Owners Insurance Co: 91 out of 100

While USAA scored 100 out of 100 in MoneyGeek’s rating, its policies are only available to military personnel, veterans and their families.

The Top Car Insurance Companies in Detroit

1
Auto-Owners Insurance CoOverall
Score:91

4.6/5

Affordability

4.5/5

Claims

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Auto-Owners Insurance Co has a full coverage policy for $3,119 per year. The company offers new car replacement coverage; if you total your car and it is less than two years old, Auto-Owners will replace it with one of the same model or make.

More About Auto-Owners Insurance Co

Auto-Owners Insurance Co has outstanding features such as diminished value coverage, common loss deductible and gap insurance. It also offers roadside assistance and rental car and/or travel reimbursement coverages.

Read MoneyGeek's Auto-Owners Insurance Co auto Insurance Review
2
Nationwide
Score:90

4.6/5

Affordability

4/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Nationwide scored 94.4 out of 100 based on claims ratings, customer satisfaction and affordability. Its unique coverages include roadside assistance and rental car and/or travel reimbursement. The average cost of Nationwide’s full coverage policy is $1,856 per year.

More About Nationwide

Nationwide offers policy add-ons like identity theft protection, vanishing deductible, total loss deductible waiver and accident forgiveness. Identity theft coverage reimburses the policyholder up to $25,000.

Read MoneyGeek's Nationwide auto Insurance Review
tip icon
RESOURCES ON CAR INSURANCE IN DETROIT, MICHIGAN

MoneyGeek also analyzed the cheapest car insurance companies in Detroit for buyers who want to maximize savings.

The following MoneyGeek resources can help those who want to learn more about car insurance in Detroit:

Best Cheap Car Insurance for Minimum Coverage in Detroit

You can opt to purchase a policy that offers Michigan’s minimum car insurance coverage. The insurance providers with the top ratings for minimum coverage in Detroit are:

  • Nationwide: 94 out of 100
  • Auto-Owners Insurance Co: 91 out of 100

MoneyGeek calculated this score based on background profiles of different drivers, including young and senior drivers and those with driving violations.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

This is an icon

The minimum coverage policy is $977 annually

This is an icon

MoneyGeek’s claims score is 4 out of 5

This is an icon

MoneyGeek’s user satisfaction score is 4 out of 5

This is an icon

Offers discounts for anti-theft systems, safe driving, bundling and more.

cons

This is an icon

No pay-in-full or airbag discounts.

COMPANY HIGHLIGHTS

Nationwide offers discounts for bundling car insurance with the company’s home insurance and if you insure multiple cars.

You can realize savings if you have anti-theft devices installed in your car and if you sign up for paperless documents.

Read MoneyGeek's Nationwide Auto Insurance Review

Best Car Insurance for Young Drivers in Detroit

According to MoneyGeek’s rankings, the following companies provide the best insurance for young drivers in Detroit:

  • Auto-Owners Insurance Co: 96 out of 100
  • GEICO: 91 out of 100

MoneyGeek calculated these results based on different coverage levels and histories of 18-year-old Detroit drivers. Car insurance for young drivers and students is often more costly than the average policy.

MoneyGeek’s Pick: Auto-Owners Insurance Co

Dummy

pros

This is an icon

Young drivers receive a full coverage insurance policy for $3,345 per year

This is an icon

Young drivers between 16 to 24 years receive insurance discounts when they purchase the auto policy

This is an icon

MoneyGeek claims score of 4.5 out of 5

This is an icon

MoneyGeek user satisfaction score of 4.0 out of 5

cons

This is an icon

No driver’s education course discount

COMPANY HIGHLIGHTS

Auto insurance for young drivers can be expensive, but Auto-Owners Insurance Co provides the most affordable option and excellent customer service. Students who attend classes more than 100 miles away without their car enjoy additional discounts from this insurer.

Students who score an average grade of B are eligible for a 20% discount. Also, young drivers enjoy discounts for installing safety features like anti-theft devices, airbags and anti-lock brake systems. New insurance applicants enjoy a discount if they request a quote before the coverage period begins.

Best Car Insurance for Senior Drivers in Detroit

MoneyGeek analyzed the best car insurance companies in Detroit for senior drivers. They are:

  • Nationwide: 92 out of 100
  • Auto-Owners Insurance Co: 90 out of 100

MoneyGeek compiled the results based on different policy coverages and histories of 70-year-old drivers in Detroit. Car insurance policies for senior drivers are more expensive than those for middle-aged drivers.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

This is an icon

A full coverage policy for senior drivers costs $3,174 annually

This is an icon

MoneyGeek claims score of 4 out of 5

This is an icon

MoneyGeek user satisfaction score of 4 out of 5

This is an icon

Discounts in the form of rental car reimbursements, accidental forgiveness, road assistance, identity theft, and total loss deductible

cons

This is an icon

Senior drivers do not receive unique discounts

COMPANY HIGHLIGHTS

Nationwide provides the best auto insurance coverage for senior drivers at an affordable price. Seniors who remain accident-free for three years of coverage benefit from lower premium rates.

Read MoneyGeek's Nationwide Auto Insurance Review

Best Car Insurance With a Driving Violation in Detroit

Finding car insurance when you have driving violations can be a challenge. MoneyGeek identified the best insurance companies in Detroit for those with at-fault accidents as:

  • Auto-Owners Insurance Co: 91 out of 100
  • Nationwide: 91 out of 100

MoneyGeek used different driver’ profiles and policy coverages to find the cheapest options. Car insurance with a record of bad driving can be expensive, so it’s important to find an affordable option.

MoneyGeek’s Pick: Auto-Owners Insurance Co

Auto-Owners Insurance Co

pros

This is an icon

The annual full insurance coverage for a 40-year-old driver with an accident on their record is $4,362

This is an icon

Offers multiple coverages in case the vehicle becomes damaged or unusable

This is an icon

Offers seven out of nine common discounts

This is an icon

MoneyGeek claims score of 4.5 out of 5

This is an icon

MoneyGeek user satisfaction score of 4 out of 5

cons

This is an icon

No discount for completing a defensive driving course

COMPANY HIGHLIGHTS

Auto-Owners provides several discounts that help make its policies more affordable. Add-on coverages for drivers with at-fault accidents include new car replacement. Also, drivers who remain accident-free for at least three years can enjoy lower premiums.

Read MoneyGeek's Auto-Owners Insurance Co Auto Insurance Review

Best Car Insurance With a Military Background in Detroit

USAA offers the best and most affordable car insurance for military members in Michigan. The company scores an impressive 100 out of 100 in MoneyGeek’s rankings.

MoneyGeek determined USAA’s score using different coverages and driver profiles, including young drivers, senior drivers and drivers with violations. USAA coverage is available only to military personnel, veterans and their families.

MoneyGeek’s Pick: USAA

USAA

pros

This is an icon

Affordable full coverage rates

This is an icon

Discounts for bundling, defensive driving, driver’s education and loyalty

This is an icon

MoneyGeek claims score of 5 out of 5

This is an icon

MoneyGeek user satisfaction score of 5 out of 5

cons

This is an icon

Only offers three of the seven standard coverages

This is an icon

Eligibility is limited to military personnel and veterans

COMPANY HIGHLIGHTS

MoneyGeek has concluded that USAA offers the best car insurance in Detroit for military members based on user satisfaction, claims rating and affordability. The company offers discounts to personnel who park on-base.

USAA provides discounts for defensive driving, multiple cars, driver’s education, loyalty, legacy, safe diving and mileage. Accident forgiveness is a standout offer that ensures you save on premiums in the event of a crash. USAA, however, has a limited number of coverage add-on options.

Read MoneyGeek's USAA Auto Insurance Review

Methodology

MoneyGeek used data from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) to identify the best insurance companies in Detroit.

MoneyGeek’s score is based on a rating of 100, with the following weightings:

  • Affordability (70%): MoneyGeek obtained quotes from insurers to determine car insurance rates in Detroit.
  • Customer satisfaction and claims satisfaction (20%): MoneyGeek utilized J.D. Power's customer satisfaction ratings, weighting service and claims at 10% each.
  • Financial stability (10%): MoneyGeek relied on AM Best ratings to determine each insurer’s financial stability, an indication of whether the company can meet its obligations during uncertain economic times.

We modified driver profiles to include subcategories like young drivers and senior drivers. For example, MoneyGeek used the profile of an 18-year-old driver with a clean driving record to identify the best insurance company in Detroit for young drivers.

MoneyGeek obtained quotes for full coverage policies with these limits:

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

MoneyGeek’s car insurance methodology offers more insight into our data collection, comparison and scoring processes.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.