In Detroit, Travelers offers the lowest annual rate for minimum coverage at $692, while GEICO provides the cheapest full coverage at $1,624 per year. Auto-Owners, Progressive and Allstate also offer competitive rates in Detroit.
Car Insurance in Detroit
Updated: August 12, 2025
Advertising & Editorial Disclosure
Key Takeaways
Detroit's cheapest car insurance companies are GEICO, Travelers and Auto-Owners, with savings up to 52% compared to the city average.
Monthly car insurance costs in Detroit average $289 for full coverage and $139 for minimum coverage.
To find the best cheap auto insurance in Detroit, compare quotes from multiple sources and choose coverage that matches your needs.
Who Has the Cheapest Car Insurance in Detroit?
| GEICO | $83 | $135 | -52% |
| Travelers | $58 | $180 | -47% |
| Auto-Owners | $104 | $204 | -32% |
| Progressive | $118 | $201 | -29% |
| Allstate | $113 | $263 | -17% |
Cheapest Detroit Car Insurance by Category
GEICO offers the cheapest rates in five driver categories for Detroit car insurance. Auto-Owners provides the most affordable coverage for drivers with accidents or speeding tickets, while Progressive wins for seniors and those with DUIs.
| Young Drivers | GEICO | $134 |
| Adult Drivers | GEICO | $83 |
| Senior Drivers | Progressive | $138 |
| Drivers With an Accident | Auto-Owners | $117 |
| Drivers With a DUI | Progressive | $144 |
| Drivers With a Speeding Ticket | Auto-Owners | $132 |
| Drivers With Bad Credit | GEICO | $141 |
| Drivers With Newer Cars | GEICO | $110 |
| Drivers With Old Cars | GEICO | $88 |
Compare the Cheapest Detroit Car Insurance for You
Your driving history and personal details shape what you'll pay for car insurance, with rates varying by thousands of dollars between driver profiles. Check the table below to find insurers offering the best rates for your specific situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Travelers | $58 | $692 | -60% |
| GEICO | $83 | $991 | -42% |
| Allstate | $113 | $1,361 | -20% |
| AAA | $116 | $1,397 | -18% |
| Progressive | $118 | $1,415 | -17% |
Best Car Insurance Companies in Detroit
Detroit's top car insurance companies are Travelers, Auto-Owners, Progressive, GEICO and Allstate. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| 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 |
Travelers: Best Overall Value
pros
Strong customer service ratings
Lower than average Detroit rates
Multiple coverage options available
cons
Limited add-on coverage selections
Fewer digital tools than competitors
COMPANY HIGHLIGHTS
Travelers ranks as Detroit's top car insurance provider, combining affordable rates with quality service. The company's premiums run well below the city average, making it an attractive choice for cost-conscious drivers. Their high customer satisfaction scores mean you can expect smooth claims handling and responsive support. The main drawback is their somewhat limited selection of add-on coverages.
Auto-Owners: Best Customer Service
pros
Top-rated customer satisfaction
Strong claims support
Excellent coverage for accidents
cons
Higher than average rates
Limited online features
COMPANY HIGHLIGHTS
Auto-Owners earns Detroit's second-best ranking thanks to outstanding customer service and claims handling. They're particularly good for drivers with accidents or speeding tickets, offering competitive rates for these categories. Their local agent network provides personalized support that consistently earns top satisfaction scores. While their rates tend to run higher than some competitors, the premium service can justify the cost for many drivers.
How Much Is Car Insurance in Detroit?
In Detroit, minimum coverage costs about $139 per month or $1,671 per year, ranking 859th out of all Michigan cities for affordability. Full coverage averages $289 monthly or $3,470 annually, ranking 859th among Michigan cities.
| Full Coverage | $289 | $3,470 |
| Minimum Coverage | $139 | $1,671 |
Detroit Car Insurance Cost by Category
In Detroit, monthly car insurance rates range from $139 to $816 based on your driver profile. Check the table below to see rates for your category.
| Young Drivers | $260 | $589 |
| Adult Drivers | $139 | $289 |
| Senior Drivers | $175 | $351 |
| Drivers With an Accident | $189 | $395 |
| Drivers With a DUI | $413 | $816 |
| Drivers With a Speeding Ticket | $191 | $397 |
| Drivers With Bad Credit | $288 | $622 |
| Drivers With Newer Cars | $204 | $426 |
| Drivers With Old Cars | $145 | $300 |
Detroit Car Insurance Costs by ZIP Code
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.
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ZIP Code:48201
| 48201 | $141 | $296 |
Compare Personalized Detroit Car Insurance Costs
After reviewing basic rate factors, use this table to filter Detroit car insurance rates by your specific combination of age, driving record and other personal details.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
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Driving Record:Clean
| $163 | $1,955 | 130% |
How to Get the Best Cheap Detroit Car Insurance
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.
- 1
Know your coverage requirements
Start by understanding exactly what coverage you need as a Detroit driver. Use our car insurance coverage needs calculator to determine appropriate coverage levels based on your vehicle's value and personal assets. Consider your car's age, your driving habits and your risk tolerance.
- 2
Explore alternative insurance options
Look into different types of car insurance that could save you money. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? A non-owner policy might be your best bet.
- 3
Check average rates in your area
Research average vehicle insurance costs in Detroit to set realistic expectations. Knowing rates for your neighborhood and driving profile helps you recognize good deals and avoid overpaying for coverage.
- 4
Stack up available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and security features can also reduce your rates.
- 5
Research insurance company ratings
Check each insurer's financial strength and customer satisfaction ratings. Look for companies with strong records in claims handling and customer service.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, insurance company websites and comparison tools. Make sure each quote includes the same coverage levels and deductibles for accurate comparison.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new rates. Life changes like improved credit scores, safer driving records or vehicle upgrades can qualify you for better rates. Many insurers raise prices for long-term customers, so comparing options regularly pays off.
Cheapest Car Insurance in Detroit: Bottom Line
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.
Cheap Detroit Car Insurance: FAQ
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.
What is the cheapest car insurance company in Detroit, Michigan?
Travelers offers Detroit's lowest rates at $692 for minimum coverage, while GEICO provides full coverage at $1,624. Rates vary by personal factors, so compare multiple quotes.
Who offers the best car insurance in Detroit?
Travelers leads Detroit's car insurance providers with a MoneyGeek score of 95 out of 100, scoring two points above Auto-Owners. Travelers excels in both affordability and customer service quality.
What is the average cost of car insurance in Detroit?
Detroit drivers pay $3,470 for full coverage and $1,671 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Detroit expensive?
Car insurance in Detroit is more expensive than average, ranking 859th for both minimum and full coverage affordability compared to other Michigan cities.
How We Chose the Best and Cheapest Car Insurance in Detroit, MI
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.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.