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 offers Detroit's lowest car insurance rates at $692 annually for minimum coverage and $2,160 for full coverage, 59% below the city average of $1,671. GEICO and Auto-Owners charge $991 and $1,406 per year for minimum coverage.

Prices vary widely between insurers, so compare quotes from multiple companies. Detroit drivers pay some of the highest insurance rates in the country, making comparison shopping essential for savings.

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

Senior drivers pay $1,650 annually with Auto-Owners, about 138% more than adults with Travelers. Different insurers offer the best rates depending on your age, so compare quotes for your demographic.

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 ranks among the best insurers in Detroit, earning a MoneyGeek score of 95 out of 100. It offers affordable rates, dependable coverage, and great customer satisfaction, along with one of the lowest complaint rates in the state. It’s a solid choice for drivers who want reliable protection without high costs.

AAA also offers good prices, excellent service, and member perks like roadside assistance. It’s a great fit for drivers who value strong claims support and personal attention.

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 pay some of the highest car insurance rates in the country. This guide shows you how to lower your costs while maintaining the coverage you need.

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.

This FAQ offers straightforward answers about getting affordable car insurance in Detroit, with no confusing jargon or sales talk.

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
• Drives 12,000 miles per year
• Good credit
• Valid driver’s license
• Currently insured
• No claims history

We adjusted some factors like age, driving record, credit score and military status to identify the best insurance companies for different types of drivers.

Coverage Levels in Detroit

MoneyGeek compared the most affordable insurers for both minimum and full coverage auto 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 insurers using the following criteria and scoring 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.