Your car insurance cost is calculated on the basis of several factors like age, residential area, driving record and more. To get cheap car insurance in Detroit you should focus on obtaining an individualized quote that is based on your personal requirements.
Compare the Cheapest Car Insurance Quotes in Detroit, MI
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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.
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The Best Cheap Car Insurance Companies in Detroit
The most affordable car insurance company in Detroit is USAA, which only serves military personnel and their family members. The next cheapest option is GEICO. Their coverage is about six times less expensive than coverage with Farmers, Detroit’s costliest auto insurance provider.
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- CompanyAmountper year
- 1. USAA$1,424
- 2. GEICO$2,728
- $2,903
- 4. Progressive$3,041
- 5. MetLife$3,090
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.
Cheapest Car Insurance in Detroit by Coverage Amount
How much car insurance coverage you purchase in Detroit also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
Visit these guides to learn more:
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.
Car insurance companies create packages that show the limits for each type and level of coverage. Nationwide offers both 50/100/50 liability-only and full-coverage plans in Detroit. The full-coverage policy costs about $2,133 more per year than the liability-only policy.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$889$942
- 2. Nationwide$977$1,038
- 3. GEICO$1,879$1,994
- $1,805$1,853
- 5. Progressive$2,151$2,229
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$1,378$1,424
- 2. Nationwide$3,171$3,233
- 3. GEICO$2,536$2,728
- $2,853$2,903
- 5. Progressive$2,952$3,041
Compare Car Insurance Rates in Detroit
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Cheapest Car Insurance in Detroit if You Have Tickets
Careful drivers with no violations on their record will pay less for auto insurance coverage compared to those who have violations. In Detroit, Nationwide policyholders with a DUI on their record will pay about $914 more per year compared to drivers with a clean record. Drivers with a speeding ticket on their record will pay about $247 more annually for their Nationwide car insurance policy compared to those with a clean record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. USAA$1,788$1,895$2,412
- 2. Nationwide$3,481$4,408$4,148
- 3. Progressive$4,230$5,833$3,878
- $4,346$3,912$6,653
- 5. MetLife$3,786$5,909$5,867
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
Insurance Providers That Serve Detroit
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.
Shopping around for car insurance in Detroit could save you $2,743, which is enough to buy:
914Cups of Coffee
211Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Detroit are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Compare Car Insurance Rates in Detroit
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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