Compare 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.

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The Cheapest and Best Car Insurance in Detroit

The Cheapest Car Insurance Companies in Detroit

The companies with the most affordable average rates for a full coverage auto insurance policy in Detroit are:

  • USAA: $1,424 per year (only available to current and former military)
  • GEICO: $2,728 per year

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.

To conduct this study, MoneyGeek gathered average insurance rates in Detroit for a sample driver with a full coverage policy, which includes both liability and comprehensive and collision insurance.

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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 Car Insurance Companies in Detroit

MoneyGeek ranked the best companies in the city to help Detroit drivers looking for an auto insurance carrier that balances affordability and quality service. Based on MoneyGeek’s study, the best car insurance companies in the city for most drivers are:

  • Hartford: MoneyGeek score of 88 out of 100
  • Auto-owners Insurance Co: MoneyGeek score of 88 out of 100

USAA received the highest score in Detroit by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

To calculate the final scores out of 100, MoneyGeek used various factors. These include J.D. Power user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:88

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
Auto-Owners Insurance Co
Score:88

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
GEICO
Score:88

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
Cincinnati Insurance Companies
Score:88

3/5

Affordability

5/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Country Financial
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

7
State Farm
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

8
Farm Bureau Ins of MI
Score:83

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

9
Nationwide
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

11
Grange
Score:80

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Progressive
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

13
Allstate
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
American Family
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

15
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

16
MetLife
Score:80

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

17
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

18
Hanover
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

19
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

20
AAA
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

21
Safeco
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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.

Shopping around for car insurance in Detroit could save you $2,743, which is enough to buy:


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914Cups of Coffee
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211Months of Your Favorite Streaming Service

Cheapest Car Insurance in Detroit by Coverage Amount

In Detroit and elsewhere, one of the most important factors determining the cost of a policy is the amount of coverage that you buy. For instance, a policy that only meets the state minimum costs an average of $3,688 per year. On the other hand, a full coverage policy with higher liability limits costs $5,471 on average. That is a difference of $1,783.

Michigan Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury
    $20,000 per person and $40,000 per accident. A more protective level is 100/300/100.
  • Personal Injury Protection
    Unlimited 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: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Detroit if You Have Driving Violations

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.

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities22nd/300
handcuffs2 icon
Most Car Thefts121st/300
uninsured icon
Most Uninsured Motorists by State4th/50
insurance2 icon
Personal Injury Protection RequiredYes
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Most Annual Rainfall176th/300
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Most Rainy Days24th/300

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.

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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.