bestauto insuranceDetroitCompare the Cheapest Car Insurance Quotes in Detroit, MI
Detroit car insurance costs an average of $5,471 per year, the same as the state of Michigan. The cheapest widely-available insurer for the average driver is GEICO, but MoneyGeek also analyzed the cheapest options across coverage levels and different types of drivers. For those looking to balance affordability with quality service, MoneyGeek rated the best companies in Detroit.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 11/3/2022
Written By |
Mark Fitzpatrick
GEICO is Detroit’s cheapest car insurance provider, but more affordable options are available depending on your preferred coverage and profile. Nationwide offers the cheapest rates for minimum liability policies and drivers with a speeding ticket. For members of the military and their family members, USAA presents the cheapest options. Hartford is MoneyGeek’s best-rated auto insurance in Detroit, as it balances cost and customer service.
bestauto insuranceDetroitThe Cheapest and Best Car Insurance in Detroit
The Cheapest Car Insurance Companies in Detroit
A full coverage car insurance policy includes liability, comprehensive and collision coverages, financially protecting the driver from most circumstances.
In Detroit, these companies offer the cheapest full coverage policies for an average driver:
- GEICO: $2,728 per year
- Auto-Owners Insurance Co: $2,903 per year
Drivers who have a military background or are part of a military family may be eligible for USAA, which has a more affordable rate at $1,424 annually.
GEICO is Detroit’s cheapest provider — their rate is approximately 569% less expensive than Farmers, the city’s most expensive provider.
Cheapest Car Insurance in Detroit
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,424
- 2.$2,728
- 3.$2,903
- 4.$3,041
- 5.$3,090
In line with MoneyGeek’s methodology, the auto insurance rates in this guide are for a 40-year-old male driver in Detroit with a full coverage policy.
A full coverage car insurance includes comprehensive and collision coverages, on top of the state’s minimum liability and other required coverages. It offers broad financial protections for a driver, but it is more expensive than a minimum coverage policy.
- Comprehensive Coverage: Pays for damages not caused by a collision, such as weather-related damages, theft and falling objects.
- Collision Coverage: Covers the cost of vehicle repair if you’re in an accident.
If you have an older car, full coverage insurance can be more expensive than your car’s actual worth. For the cheapest rates possible, consider a liability-only or state minimum insurance policy, which is especially recommended for older vehicles.
Compare Car Insurance Rates in Detroit
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Detroit for Minimum Coverage
If you’re looking for Detroit’s cheapest car insurance offers, you can opt for a state minimum policy. Such policies are significantly more affordable, but they don’t include comprehensive and collision coverages, exposing the driver to financial risks in case of an accident.
These providers offer the most affordable minimum coverage policies:
- Nationwide: $977 per year
- GEICO: $1,879 per year
USAA offers the most affordable state minimum policies for eligible military members and their family in Detroit at $889 annually. It’s $10,967 cheaper than the city’s most expensive state minimum provider, Farmers.
Check out the table below to see how costs vary depending on liability coverage.
Cheapest Minimum Liability Car Insurance in Detroit
State Minimum
- CompanyState Minimumper year
- 1.$889
- 2.$977
- 3.$1,805
- 4.$1,879
- 5.$2,151
All drivers in Michigan are required by law to have a minimum coverage policy, which includes personal injury protection, property protection insurance, and liability insurance.
A minimum coverage policy is the cheapest car insurance in Detroit. Buying it will result in savings in your monthly premiums, but you may end up paying more out of pocket in the event of an accident.
In Michigan, liability insurance only covers $20,000 for bodily injuries per person. That means if you’re at fault in a collision and the other party’s medical expenses reach $30,000, you’ll have to pay $10,000 by yourself.
Michigan Minimum Liability Requirements
- ItemDescription
- Bodily Injury$20,000 per person and $40,000 per accident. A more protective level is 100/300/100.
- Personal Injury ProtectionUnlimited per person. Unlimited per accident.
- Other$1 million property protection.
Cheapest Car Insurance in Detroit if You Have Driving Violations
Drivers who have a driving violation on their name — such as speeding tickets, DUIs, and at-fault accidents — can see their car insurance rates going up. Fortunately, they can seek to improve their records over time and get their rates lowered.
For now, their best option is to shop around and find car insurance providers that offer great deals. Here are Detroit’s most affordable car insurance companies for drivers with a driving record:
- Cheapest after a ticket: Nationwide, $3,481 per year
- Cheapest after an at-fault accident: Auto-Owners Insurance Co, $3,912 per year
- Cheapest after a DUI: Progressive, $3,878 per year
Drivers with a military background may be eligible for USAA, which offers the cheapest auto insurance rates in Detroit for drivers with a speeding ticket, at-fault accident and DUI.
Cheapest Car Insurance in Detroit With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,788
- 2.$3,481
- 3.$3,786
- 4.$4,230
- 5.$4,346
Average Cost of Car Insurance in Detroit
Detroit$5,471
Michigan$5,471
U.S.$1,424
The average annual car insurance cost in Detroit is $5,471. This amount is about 284.1% more than the national average and the same as that of the Michigan average. You can find cheap coverage in Michigan by getting a personalized quote.
Personalized Quotes to Get You the Cheapest Car Insurance in Detroit
To calculate car insurance quotes in any city, auto insurance companies consider several factors like age, gender, ZIP code, driving experience and more. In Detroit, an Auto-Owners Insurance Company policy for an 18-year-old driver is roughly double the cost of the policy for a 40-year-old driver. Drivers should obtain a personalized quote regularly to improve their chances of finding cheap coverage.
Compare Car Insurance Rates in Detroit
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Detroit
If you’re looking for a car insurance provider that balances affordability and quality service, MoneyGeek evaluated the best providers in Detroit to help you with your shopping process.
Our research reveals that, on average, the best car insurance companies in Detroit are:
- Hartford: MoneyGeek score of 88 out of 100
- Auto-owners Insurance Co: MoneyGeek score of 88 out of 100
USAA is the highest-rated company in Detroit per MoneyGeek’s rating system. However, since it’s only available to military members, veterans and their families, we did not include them in this analysis.
1
Auto-Owners Insurance Co
Score:91
2
Nationwide
Score:90
3
GEICO
Score:86
4
MetLife
Score:84
5
Progressive
Score:83
6
Esurance
Score:78
7
State Farm
Score:77
8
Allstate
Score:75
9
Mercury
Score:75
10
Travelers
Score:69
11
AAA
Score:65
12
Hanover
Score:37
13
Farmers
Score:24
Average Cost of Car Insurance by Postal Code
The region a driver lives in also plays a role in their car insurance cost. This effect is because of factors such as the region's number of uninsured motorists, accidents and car thefts. In Detroit, people living in the 48219 neighborhood will pay about $961 less in yearly car insurance premiums compared to drivers residing in the 48227 area.
- Zip CodeState Minimumper year
- 48219$5,038
- 48235$5,205
- 48224$5,366
- 48228$5,746
- 48227$6,000
Factors That Impact Insurance Costs in Detroit
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Detroit. How Detroit ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About the Author
