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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Last Updated: 8/12/2022
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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.

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The 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
  • Company
    100/300/100per year
  • 1.
    USAA
    $1,424
  • 2.
    GEICO
    $2,728
  • 3.
    Auto-Owners Insurance Co
    $2,903
  • 4.
    Progressive
    $3,041
  • 5.
    MetLife
    $3,090
  • 6.
    Nationwide
    $3,233
  • 7.
    AAA
    $4,391
  • 8.
    Esurance
    $4,484
  • 9.
    Travelers
    $4,618
  • 10.
    Allstate
    $4,794
  • 11.
    Mercury
    $5,335
  • 12.
    State Farm
    $5,871
  • 13.
    Hanover
    $8,393
  • 14.
    Farmers
    $18,241

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

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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

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

  • 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.

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

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.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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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
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:91

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
Nationwide
Score:90

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

4
Hartford
Score:88

3/5

Affordability

4/5

Claims Ratings

4/5

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
GEICO
Score:86

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

7
Country Financial
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

8
MetLife
Score:84

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Progressive
Score:83

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Farm Bureau Ins of MI
Score:83

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

11
Grange
Score:80

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
American Family
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

13
Esurance
Score:78

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
State Farm
Score:77

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

15
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

16
Allstate
Score:75

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

17
Safeco
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

18
Travelers
Score:69

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

19
AAA
Score:65

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

20
Hanover
Score:37

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

21
Farmers
Score:24

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

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
rain icon
Most Annual Rainfall176th/300
umbrella icon
Most Rainy Days24th/300

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.