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The most affordable auto insurance depends on your needs. Travelers is the cheapest insurer for minimum coverage in Detroit, while Chubb is the most affordable for full coverage, driving violations, young drivers, seniors and those with sports cars. GEICO is the cheapest for teens, and USAA is the most affordable for military families.

If you need a balance of affordability and service, MoneyGeek analyzed the best car insurance in Detroit.

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2023

Cheapest Car Insurance in Detroit, MI

Cheapest Minimum Coverage Car Insurance in Detroit

The cheapest minimum coverage car insurance policies in Detroit are from:

  • Travelers: $253 per year
  • Chubb:: $391 per year

Travelers is the cheapest auto insurance provider in Michigan, albeit at a lower annual cost of $101. The price difference between Detroit and Michigan as a whole demonstrates how location can affect premiums. The annual premium for Hanover's minimum coverage insurance is the highest in Detroit, at $8,778.

Company
Annual Premium
Monthly Premium

Travelers

$235

$20

Travelers

$253

$21

Travelers

$284

$24

Chubb

$323

$27

Chubb

$391

$33

Chubb

$430

$36

Chubb

$809

$67

Encompass

$969

$81

Chubb

$977

$81

Chubb

$1,084

$90

Progressive

$1,112

$93

Encompass

$1,121

$93

Encompass

$1,121

$93

Progressive

$1,134

$95

Progressive

$1,135

$95

GEICO

$1,217

$101

GEICO

$1,217

$101

GEICO

$1,237

$103

Auto-Owners Insurance Co

$1,301

$108

Auto-Owners Insurance Co

$1,373

$114

Pioneer State Mutual Ins Co

$1,401

$117

Pioneer State Mutual Ins Co

$1,470

$123

Pioneer State Mutual Ins Co

$1,541

$128

Auto-Owners Insurance Co

$1,611

$134

Westfield

$1,647

$137

Progressive

$1,664

$139

Progressive

$1,777

$148

Farm Bureau Ins of MI

$1,783

$149

Westfield

$1,786

$149

GEICO

$1,812

$151

GEICO

$1,819

$152

GEICO

$1,823

$152

Farm Bureau Ins of MI

$1,873

$156

Westfield

$1,976

$165

Progressive

$1,998

$167

Travelers

$2,020

$168

Grange Insurance

$2,066

$172

Grange Insurance

$2,106

$176

Encompass

$2,173

$181

Travelers

$2,239

$187

Farm Bureau Ins of MI

$2,302

$192

Auto-Owners Insurance Co

$2,360

$197

Pioneer State Mutual Ins Co

$2,459

$205

Auto-Owners Insurance Co

$2,476

$206

Travelers

$2,510

$209

Auto-Owners Insurance Co

$2,534

$211

Grange Insurance

$2,572

$214

Pioneer State Mutual Ins Co

$2,625

$219

Encompass

$2,634

$220

Encompass

$2,634

$220

Westfield

$3,013

$251

Westfield

$3,101

$258

Pioneer State Mutual Ins Co

$3,107

$259

Farm Bureau Ins of MI

$3,244

$270

State Farm

$3,485

$290

Farm Bureau Ins of MI

$3,516

$293

Westfield

$3,791

$316

State Farm

$3,814

$318

Grange Insurance

$3,844

$320

Grange Insurance

$4,060

$338

Grange Insurance

$4,240

$353

Farm Bureau Ins of MI

$4,333

$361

State Farm

$4,353

$363

State Farm

$4,464

$372

Farmers

$4,472

$373

Farmers

$4,802

$400

State Farm

$4,927

$411

Farmers

$5,278

$440

State Farm

$5,651

$471

Hanover

$8,304

$692

Hanover

$8,778

$732

Farmers

$8,922

$744

Hanover

$9,360

$780

Farmers

$10,028

$836

Hanover

$10,936

$911

Farmers

$11,136

$928

Hanover

$11,992

$999

Hanover

$13,487

$1,124

Insurance Rates

Compare Auto Insurance Rates

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

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According to Michigan state law, an insurance policy must provide minimum coverage for bodily injury, property damage and personal injury of at least the following:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $10,000 property damage liability per accident outside Michigan
  • $1 million property protection within Michigan
  • $250,000 personal injury protection (PIP)

If you cause an accident where there is $200,000 in bodily injury total, you’ll be responsible for paying $100,000 out of your own pocket when you are only covered by this minimum coverage policy.

Cheapest Full Coverage Car Insurance in Detroit

The following auto insurance providers in Detroit have the most affordable full coverage policies:

  • Chubb: $977 per year
  • Progressive: $1,777 per year

Hanover has the highest annual full coverage rate in the city at $11,992. As of October 2022, GEICO offers the cheapest full coverage auto insurance in Michigan for the general population at $877 per year. The cheapest insurer can vary by location, but anywhere in Michigan, insurers are prohibited from using your ZIP code to calculate your premium.

Company
Annual Premium
Monthly Premium

Travelers

$235

$20

Travelers

$253

$21

Travelers

$284

$24

Chubb

$323

$27

Chubb

$391

$33

Chubb

$430

$36

Chubb

$809

$67

Encompass

$969

$81

Chubb

$977

$81

Chubb

$1,084

$90

Progressive

$1,112

$93

Encompass

$1,121

$93

Encompass

$1,121

$93

Progressive

$1,134

$95

Progressive

$1,135

$95

GEICO

$1,217

$101

GEICO

$1,217

$101

GEICO

$1,237

$103

Auto-Owners Insurance Co

$1,301

$108

Auto-Owners Insurance Co

$1,373

$114

Pioneer State Mutual Ins Co

$1,401

$117

Pioneer State Mutual Ins Co

$1,470

$123

Pioneer State Mutual Ins Co

$1,541

$128

Auto-Owners Insurance Co

$1,611

$134

Westfield

$1,647

$137

Progressive

$1,664

$139

Progressive

$1,777

$148

Farm Bureau Ins of MI

$1,783

$149

Westfield

$1,786

$149

GEICO

$1,812

$151

GEICO

$1,819

$152

GEICO

$1,823

$152

Farm Bureau Ins of MI

$1,873

$156

Westfield

$1,976

$165

Progressive

$1,998

$167

Travelers

$2,020

$168

Grange Insurance

$2,066

$172

Grange Insurance

$2,106

$176

Encompass

$2,173

$181

Travelers

$2,239

$187

Farm Bureau Ins of MI

$2,302

$192

Auto-Owners Insurance Co

$2,360

$197

Pioneer State Mutual Ins Co

$2,459

$205

Auto-Owners Insurance Co

$2,476

$206

Travelers

$2,510

$209

Auto-Owners Insurance Co

$2,534

$211

Grange Insurance

$2,572

$214

Pioneer State Mutual Ins Co

$2,625

$219

Encompass

$2,634

$220

Encompass

$2,634

$220

Westfield

$3,013

$251

Westfield

$3,101

$258

Pioneer State Mutual Ins Co

$3,107

$259

Farm Bureau Ins of MI

$3,244

$270

State Farm

$3,485

$290

Farm Bureau Ins of MI

$3,516

$293

Westfield

$3,791

$316

State Farm

$3,814

$318

Grange Insurance

$3,844

$320

Grange Insurance

$4,060

$338

Grange Insurance

$4,240

$353

Farm Bureau Ins of MI

$4,333

$361

State Farm

$4,353

$363

State Farm

$4,464

$372

Farmers

$4,472

$373

Farmers

$4,802

$400

State Farm

$4,927

$411

Farmers

$5,278

$440

State Farm

$5,651

$471

Hanover

$8,304

$692

Hanover

$8,778

$732

Farmers

$8,922

$744

Hanover

$9,360

$780

Farmers

$10,028

$836

Hanover

$10,936

$911

Farmers

$11,136

$928

Hanover

$11,992

$999

Hanover

$13,487

$1,124

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MONEYGEEK EXPERT TIP

Michigan is unique because it prohibits many common rating factors used amongst car insurance companies when calculating a premium. They are credit score/history, sex, marital status, occupation, home ownership, education level and ZIP code. When you get car insurance in Detroit, none of the above influences how much you pay. But remember: Your motor vehicle record has a significant impact on car insurance costs, whether you are a young or more experienced older driver, regardless of where you live.

A full coverage policy gives you collision and comprehensive coverage.

  • Collision insurance: This covers damage to your vehicle as a result of collisions with other vehicles or objects, such as a tree, fence or light pole. Collision also covers vehicle damage from a rollover accident.
  • Comprehensive insurance: This is used to repair your car if it receives physical damage due to events like theft, vandalism, fire and severe weather.

Older cars might not be worth paying for full coverage because of their lower value. But, for more recent vehicles, we recommend it.

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    Cheaper insurers could pocket you hundreds of dollars per year.

Cheapest Car Insurance in Detroit After a Driving Offense

Individuals with a history of traffic offenses can get the most affordable rates from the following Detroit auto insurers:

  • Speeding ticket: Chubb ($977 per year)
  • At-fault accident: Chubb ($977 per year)
  • DUI: Chubb ($977 per year)

Hanover charges the highest rates for different traffic violations in Detroit. Drivers pay $18,954 per year after causing an accident, $23,475 per year after an OWI (Michigan does not have DUI) and $17,307 per year following a speeding citation.

Drivers with spotty records pay the highest rates when compared to those with excellent records, underscoring the impact that driving histories have on insurance costs.

Company
Annual Premium
Monthly Premium

Chubb

$323

$27

Chubb

$323

$27

Chubb

$323

$27

Chubb

$391

$33

Chubb

$391

$33

Chubb

$391

$33

Chubb

$430

$36

Chubb

$430

$36

Chubb

$430

$36

Travelers

$434

$36

Travelers

$469

$39

Travelers

$526

$44

Travelers

$636

$53

Travelers

$665

$55

Travelers

$725

$60

Chubb

$809

$67

Chubb

$809

$67

Chubb

$809

$67

Chubb

$977

$81

Chubb

$977

$81

Chubb

$977

$81

Chubb

$1,084

$90

Chubb

$1,084

$90

Chubb

$1,084

$90

Encompass

$1,092

$91

Progressive

$1,257

$105

Encompass

$1,263

$105

Encompass

$1,263

$105

Progressive

$1,283

$107

Progressive

$1,284

$107

Travelers

$1,304

$109

Travelers

$1,305

$109

Travelers

$1,364

$114

Progressive

$1,371

$114

Progressive

$1,401

$117

Progressive

$1,402

$117

Encompass

$1,416

$118

Auto-Owners Insurance Co

$1,516

$126

Progressive

$1,537

$128

Progressive

$1,572

$131

Progressive

$1,572

$131

Encompass

$1,635

$136

Encompass

$1,635

$136

Auto-Owners Insurance Co

$1,657

$138

Pioneer State Mutual Ins Co

$1,702

$142

Auto-Owners Insurance Co

$1,743

$145

Pioneer State Mutual Ins Co

$1,771

$148

Pioneer State Mutual Ins Co

$1,859

$155

Progressive

$1,902

$159

Auto-Owners Insurance Co

$1,905

$159

Auto-Owners Insurance Co

$1,925

$160

Westfield

$1,977

$165

Progressive

$2,021

$168

Farm Bureau Ins of MI

$2,068

$172

Progressive

$2,128

$177

Westfield

$2,142

$179

Farm Bureau Ins of MI

$2,173

$181

Pioneer State Mutual Ins Co

$2,208

$184

Auto-Owners Insurance Co

$2,214

$185

Progressive

$2,239

$187

Progressive

$2,257

$188

Pioneer State Mutual Ins Co

$2,294

$191

Progressive

$2,331

$194

Westfield

$2,371

$198

Pioneer State Mutual Ins Co

$2,409

$201

Westfield

$2,421

$202

Encompass

$2,452

$204

Progressive

$2,466

$206

Progressive

$2,485

$207

Farm Bureau Ins of MI

$2,548

$212

Westfield

$2,559

$213

GEICO

$2,597

$216

Farm Bureau Ins of MI

$2,671

$223

GEICO

$2,673

$223

Farm Bureau Ins of MI

$2,677

$223

GEICO

$2,698

$225

Progressive

$2,705

$225

Westfield

$2,750

$229

Auto-Owners Insurance Co

$2,769

$231

Grange Insurance

$2,818

$235

Grange Insurance

$2,886

$241

GEICO

$2,930

$244

Pioneer State Mutual Ins Co

$2,950

$246

Auto-Owners Insurance Co

$2,952

$246

Encompass

$2,968

$247

Encompass

$2,968

$247

Auto-Owners Insurance Co

$3,031

$253

Pioneer State Mutual Ins Co

$3,063

$255

Auto-Owners Insurance Co

$3,139

$262

Pioneer State Mutual Ins Co

$3,156

$263

GEICO

$3,165

$264

Encompass

$3,184

$265

GEICO

$3,198

$266

Pioneer State Mutual Ins Co

$3,201

$267

Farm Bureau Ins of MI

$3,289

$274

Pioneer State Mutual Ins Co

$3,361

$280

Auto-Owners Insurance Co

$3,362

$280

Auto-Owners Insurance Co

$3,409

$284

Grange Insurance

$3,428

$286

Auto-Owners Insurance Co

$3,438

$287

Westfield

$3,539

$295

Grange Insurance

$3,610

$301

Westfield

$3,627

$302

Grange Insurance

$3,700

$308

Pioneer State Mutual Ins Co

$3,726

$311

Auto-Owners Insurance Co

$3,726

$311

Pioneer State Mutual Ins Co

$3,736

$311

Farm Bureau Ins of MI

$3,765

$314

Travelers

$3,827

$319

Encompass

$3,847

$321

Encompass

$3,847

$321

Grange Insurance

$3,862

$322

Grange Insurance

$3,918

$327

Pioneer State Mutual Ins Co

$3,973

$331

GEICO

$3,973

$331

Farm Bureau Ins of MI

$4,082

$340

GEICO

$4,121

$343

GEICO

$4,167

$347

State Farm

$4,237

$353

Travelers

$4,247

$354

Auto-Owners Insurance Co

$4,331

$361

Farm Bureau Ins of MI

$4,444

$370

Westfield

$4,450

$371

GEICO

$4,481

$373

Grange Insurance

$4,524

$377

State Farm

$4,639

$387

Pioneer State Mutual Ins Co

$4,672

$389

Travelers

$4,759

$397

Grange Insurance

$4,764

$397

Farm Bureau Ins of MI

$4,811

$401

GEICO

$4,874

$406

GEICO

$4,939

$412

Westfield

$4,961

$413

Westfield

$5,006

$417

Farm Bureau Ins of MI

$5,029

$419

Westfield

$5,064

$422

Travelers

$5,069

$422

Grange Insurance

$5,070

$423

Pioneer State Mutual Ins Co

$5,091

$424

Westfield

$5,144

$429

State Farm

$5,298

$442

Farm Bureau Ins of MI

$5,306

$442

Westfield

$5,334

$445

Pioneer State Mutual Ins Co

$5,350

$446

State Farm

$5,364

$447

State Farm

$5,372

$448

Encompass

$5,493

$458

Travelers

$5,495

$458

Farm Bureau Ins of MI

$5,574

$465

Grange Insurance

$5,586

$466

Grange Insurance

$5,596

$466

Auto-Owners Insurance Co

$5,858

$488

Westfield

$5,877

$490

State Farm

$5,877

$490

State Farm

$5,920

$493

Farm Bureau Ins of MI

$5,925

$494

Travelers

$6,024

$502

Farmers

$6,048

$504

Grange Insurance

$6,064

$505

Farmers

$6,139

$512

Grange Insurance

$6,322

$527

Pioneer State Mutual Ins Co

$6,330

$528

Encompass

$6,364

$530

Encompass

$6,364

$530

Auto-Owners Insurance Co

$6,369

$531

Farmers

$6,394

$533

Auto-Owners Insurance Co

$6,423

$535

Farmers

$6,477

$540

Farmers

$6,512

$543

Farmers

$6,579

$548

Farmers

$6,680

$557

State Farm

$6,715

$560

State Farm

$6,733

$561

State Farm

$6,797

$566

Grange Insurance

$6,820

$568

Farm Bureau Ins of MI

$6,852

$571

Farmers

$6,932

$578

Farmers

$7,016

$585

Grange Insurance

$7,160

$597

State Farm

$7,409

$617

Grange Insurance

$7,608

$634

Grange Insurance

$7,946

$662

GEICO

$8,177

$681

GEICO

$8,222

$685

GEICO

$8,362

$697

State Farm

$8,516

$710

Farm Bureau Ins of MI

$8,773

$731

Travelers

$9,007

$751

Travelers

$9,405

$784

Westfield

$9,406

$784

Farm Bureau Ins of MI

$9,477

$790

State Farm

$9,499

$792

Westfield

$9,509

$792

Travelers

$9,932

$828

Westfield

$10,321

$860

State Farm

$10,415

$868

Encompass

$11,117

$926

Farm Bureau Ins of MI

$11,669

$972

State Farm

$11,728

$977

State Farm

$11,911

$993

Farmers

$12,237

$1,020

GEICO

$12,786

$1,066

Farmers

$12,791

$1,066

Hanover

$12,817

$1,068

State Farm

$12,870

$1,073

GEICO

$12,913

$1,076

Farmers

$13,010

$1,084

Hanover

$13,012

$1,084

GEICO

$13,021

$1,085

Encompass

$13,101

$1,092

Encompass

$13,101

$1,092

Farmers

$13,192

$1,099

Farmers

$13,340

$1,112

Hanover

$13,683

$1,140

Farmers

$13,685

$1,140

Hanover

$14,018

$1,168

Farmers

$14,194

$1,183

Hanover

$14,273

$1,189

Farmers

$14,522

$1,210

State Farm

$14,820

$1,235

Farmers

$14,871

$1,239

Hanover

$15,146

$1,262

Hanover

$16,499

$1,375

Hanover

$17,298

$1,442

Hanover

$17,307

$1,442

Hanover

$17,615

$1,468

Hanover

$18,052

$1,504

Hanover

$18,575

$1,548

Hanover

$18,954

$1,580

Hanover

$19,119

$1,593

Hanover

$21,058

$1,755

Hanover

$22,393

$1,866

Hanover

$23,475

$1,956

Hanover

$25,920

$2,160

The severity of the incident typically dictates the increase in auto insurance rates. The difference is significant in Detroit, where drivers who incur a speeding citation pay $3,947 less than those guilty of operating while intoxicated (OWI). Policyholders with poor driving records must find affordable auto insurance since auto insurers perceive them as high-risk clients.

Cheapest Car Insurance in Detroit for Teens and Their Families

The following auto insurance providers offer the cheapest family coverage for teenagers in Detroit:

  • GEICO: $4,070 per year for male and female teens
  • Progressive: $4,194 per year for male and female teens

Farmers has the most costly teen family insurance policy in the city, costing $20,618 per year for both male and female teenagers.

Teenage boys typically pay higher rates than girls because they are considered riskier drivers, but in Michigan, considering sex/gender is not allowed when determining rates — boy teens won't pay more than girl teens by default.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,744

$8,067

GEICO

$1,957

$8,067

GEICO

$2,017

$9,331

GEICO

$2,032

$10,509

GEICO

$2,094

$9,685

GEICO

$2,263

$9,331

GEICO

$2,279

$10,509

GEICO

$2,349

$9,685

GEICO

$2,464

$11,232

GEICO

$2,464

$11,232

Travelers

$2,648

$6,245

Travelers

$2,648

$6,245

Progressive

$2,744

$3,419

Progressive

$2,744

$3,419

Progressive

$2,843

$4,937

Progressive

$2,843

$4,937

Auto-Owners Insurance Co

$2,892

$5,990

Auto-Owners Insurance Co

$2,892

$5,990

Encompass

$2,918

$6,921

Encompass

$2,918

$6,921

Auto-Owners Insurance Co

$3,059

$6,336

Auto-Owners Insurance Co

$3,059

$6,336

GEICO

$3,136

$16,675

GEICO

$3,136

$16,675

Progressive

$3,149

$3,925

Progressive

$3,149

$3,925

Auto-Owners Insurance Co

$3,191

$7,311

Auto-Owners Insurance Co

$3,191

$7,311

Progressive

$3,201

$6,041

Progressive

$3,201

$6,041

Encompass

$3,224

$8,603

Encompass

$3,224

$8,603

Progressive

$3,241

$4,605

Progressive

$3,241

$4,605

Progressive

$3,281

$5,696

Progressive

$3,281

$5,696

Auto-Owners Insurance Co

$3,282

$6,798

Auto-Owners Insurance Co

$3,282

$6,798

GEICO

$3,286

$14,982

GEICO

$3,286

$14,982

Encompass

$3,319

$8,373

Encompass

$3,319

$8,373

Auto-Owners Insurance Co

$3,358

$7,831

Auto-Owners Insurance Co

$3,358

$7,831

Progressive

$3,376

$4,207

Progressive

$3,376

$4,207

GEICO

$3,381

$18,436

GEICO

$3,381

$18,436

Encompass

$3,381

$8,020

Encompass

$3,381

$8,020

Encompass

$3,447

$8,176

Encompass

$3,447

$8,176

Auto-Owners Insurance Co

$3,590

$8,864

Auto-Owners Insurance Co

$3,590

$8,864

Progressive

$3,600

$16,361

Progressive

$3,600

$16,361

Auto-Owners Insurance Co

$3,612

$8,426

Auto-Owners Insurance Co

$3,612

$8,426

Auto-Owners Insurance Co

$3,930

$9,472

Auto-Owners Insurance Co

$3,930

$9,472

GEICO

$4,070

$24,069

GEICO

$4,070

$24,069

Progressive

$4,086

$18,571

Progressive

$4,086

$18,571

Progressive

$4,194

$22,254

Progressive

$4,194

$22,254

Auto-Owners Insurance Co

$4,201

$10,623

Auto-Owners Insurance Co

$4,201

$10,623

Auto-Owners Insurance Co

$4,267

$10,284

Auto-Owners Insurance Co

$4,267

$10,284

Encompass

$4,359

$14,130

Encompass

$4,359

$14,130

Travelers

$4,382

$11,695

Travelers

$4,382

$11,695

GEICO

$4,414

$24,069

GEICO

$4,414

$24,069

Encompass

$4,558

$12,164

Encompass

$4,558

$12,164

Encompass

$4,736

$14,703

Encompass

$4,736

$14,703

Travelers

$4,808

$11,695

Travelers

$4,808

$11,695

Encompass

$4,942

$15,342

Encompass

$4,942

$15,342

Encompass

$4,950

$16,052

Encompass

$4,950

$16,052

Travelers

$4,960

$11,695

Travelers

$4,960

$11,695

Travelers

$4,960

$11,695

Travelers

$4,960

$11,695

State Farm

$6,619

$20,214

State Farm

$6,619

$20,214

State Farm

$7,372

$22,516

State Farm

$7,372

$22,516

State Farm

$7,832

$28,037

State Farm

$7,832

$28,037

State Farm

$8,155

$24,907

State Farm

$8,155

$24,907

Travelers

$8,776

$26,173

Travelers

$8,776

$26,173

State Farm

$8,858

$31,032

State Farm

$8,858

$31,032

State Farm

$10,280

$36,016

State Farm

$10,280

$36,016

State Farm

$10,296

$41,166

State Farm

$10,296

$41,166

Travelers

$10,760

$26,173

Travelers

$10,760

$26,173

Travelers

$11,198

$32,591

Travelers

$11,198

$32,591

Travelers

$11,821

$35,308

Travelers

$11,821

$35,308

State Farm

$12,000

$47,426

State Farm

$12,000

$47,426

Travelers

$12,132

$35,308

Travelers

$12,132

$35,308

Farmers

$13,277

$30,550

Farmers

$13,277

$30,550

State Farm

$13,810

$54,584

State Farm

$13,810

$54,584

State Farm

$13,889

$62,672

State Farm

$13,889

$62,672

Farmers

$14,535

$42,592

Farmers

$14,535

$42,592

Farmers

$16,061

$40,607

Farmers

$16,061

$40,607

Farmers

$16,419

$37,780

Farmers

$16,419

$37,780

Farmers

$16,484

$144,245

Farmers

$16,484

$144,245

Farmers

$16,899

$38,883

Farmers

$16,899

$38,883

Farmers

$17,663

$58,859

Farmers

$17,663

$58,859

Farmers

$17,694

$154,835

Farmers

$17,694

$154,835

Farmers

$18,367

$53,819

Farmers

$18,367

$53,819

Farmers

$20,618

$242,190

Farmers

$20,618

$242,190

Teens joining a family policy will spend less than those who purchase their own auto insurance. And in most cases, it is illegal for a teen under 18 to get car insurance without a parent or guardian as a co-signer. In Detroit, the cost difference between getting a male teenager auto insurance and adding him to a family policy is $3,897. To save thousands of dollars a year, families should look into how to get affordable car insurance for teenagers.

Cheapest Car Insurance in Detroit for Military Drivers

The cheapest car insurance providers for military families for full coverage policies in Detroit are:

  • USAA: $904 per year
  • Chubb: $977 per year

For a minimum coverage policy, Travelers is the cheapest military auto insurer at $253 per year. Chubb takes second place at $391 per year.

Company
Annual Premium
Monthly Premium

Travelers

$235

$20

Travelers

$253

$21

Travelers

$284

$24

Chubb

$323

$27

Chubb

$391

$33

USAA

$394

$33

USAA

$395

$33

USAA

$427

$36

Chubb

$430

$36

Chubb

$809

$67

USAA

$868

$72

USAA

$904

$75

Encompass

$969

$81

Chubb

$977

$81

USAA

$1,081

$90

Chubb

$1,084

$90

Progressive

$1,112

$93

Encompass

$1,121

$93

Encompass

$1,121

$93

Progressive

$1,134

$95

Progressive

$1,135

$95

GEICO

$1,217

$101

GEICO

$1,217

$101

GEICO

$1,237

$103

Auto-Owners Insurance Co

$1,301

$108

Auto-Owners Insurance Co

$1,373

$114

Pioneer State Mutual Ins Co

$1,401

$117

Pioneer State Mutual Ins Co

$1,470

$123

Pioneer State Mutual Ins Co

$1,541

$128

Auto-Owners Insurance Co

$1,611

$134

Westfield

$1,647

$137

Progressive

$1,664

$139

Progressive

$1,777

$148

Farm Bureau Ins of MI

$1,783

$149

Westfield

$1,786

$149

GEICO

$1,812

$151

GEICO

$1,819

$152

GEICO

$1,823

$152

Farm Bureau Ins of MI

$1,873

$156

Westfield

$1,976

$165

Progressive

$1,998

$167

Travelers

$2,020

$168

Grange Insurance

$2,066

$172

Grange Insurance

$2,106

$176

Encompass

$2,173

$181

Travelers

$2,239

$187

Farm Bureau Ins of MI

$2,302

$192

Auto-Owners Insurance Co

$2,360

$197

Pioneer State Mutual Ins Co

$2,459

$205

Auto-Owners Insurance Co

$2,476

$206

Travelers

$2,510

$209

Auto-Owners Insurance Co

$2,534

$211

Grange Insurance

$2,572

$214

Pioneer State Mutual Ins Co

$2,625

$219

Encompass

$2,634

$220

Encompass

$2,634

$220

Westfield

$3,013

$251

Westfield

$3,101

$258

Pioneer State Mutual Ins Co

$3,107

$259

Farm Bureau Ins of MI

$3,244

$270

State Farm

$3,485

$290

Farm Bureau Ins of MI

$3,516

$293

Westfield

$3,791

$316

State Farm

$3,814

$318

Grange Insurance

$3,844

$320

Grange Insurance

$4,060

$338

Grange Insurance

$4,240

$353

Farm Bureau Ins of MI

$4,333

$361

State Farm

$4,353

$363

State Farm

$4,464

$372

Farmers

$4,472

$373

Farmers

$4,802

$400

State Farm

$4,927

$411

Farmers

$5,278

$440

State Farm

$5,651

$471

Hanover

$8,304

$692

Hanover

$8,778

$732

Farmers

$8,922

$744

Hanover

$9,360

$780

Farmers

$10,028

$836

Hanover

$10,936

$911

Farmers

$11,136

$928

Hanover

$11,992

$999

Hanover

$13,487

$1,124

How to Compare Cheap Detroit Car Insurance Quotes Online

The process of getting a car insurance quote in Detroit takes roughly 15 minutes per quote and requires you to share personal details.

You can use MoneyGeek’s car insurance calculator. With just a few bits of basic information, such as your age, coverage amount, the type of vehicle you drive and your driving history, you can get quick and precise online estimates.

Auto Insurance Calculator

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Cheapest Car Insurance in Detroit for Young Adults

The following providers offer the most affordable full coverage insurance for young drivers in Detroit:

  • Chubb: $1,084 per year
  • GEICO: $1,819 per year

Hanover charges young adults the highest annual premium at $13,487.

Drivers under 25 in Detroit pay $486 more annually than the average adult policyholder. Younger drivers are statistically more inclined than older drivers to be involved in accidents, making them riskier for insurance companies to cover.

Company
Annual Premium
Monthly Premium

Travelers

$235

$20

Travelers

$253

$21

Travelers

$284

$24

Chubb

$323

$27

Chubb

$391

$33

Chubb

$430

$36

Chubb

$809

$67

Encompass

$969

$81

Chubb

$977

$81

Chubb

$1,084

$90

Progressive

$1,112

$93

Encompass

$1,121

$93

Encompass

$1,121

$93

Progressive

$1,134

$95

Progressive

$1,135

$95

GEICO

$1,217

$101

GEICO

$1,217

$101

GEICO

$1,237

$103

Auto-Owners Insurance Co

$1,301

$108

Auto-Owners Insurance Co

$1,373

$114

Pioneer State Mutual Ins Co

$1,401

$117

Pioneer State Mutual Ins Co

$1,470

$123

Pioneer State Mutual Ins Co

$1,541

$128

Auto-Owners Insurance Co

$1,611

$134

Westfield

$1,647

$137

Progressive

$1,664

$139

Progressive

$1,777

$148

Farm Bureau Ins of MI

$1,783

$149

Westfield

$1,786

$149

GEICO

$1,812

$151

GEICO

$1,819

$152

GEICO

$1,823

$152

Farm Bureau Ins of MI

$1,873

$156

Westfield

$1,976

$165

Progressive

$1,998

$167

Travelers

$2,020

$168

Grange Insurance

$2,066

$172

Grange Insurance

$2,106

$176

Encompass

$2,173

$181

Travelers

$2,239

$187

Farm Bureau Ins of MI

$2,302

$192

Auto-Owners Insurance Co

$2,360

$197

Pioneer State Mutual Ins Co

$2,459

$205

Auto-Owners Insurance Co

$2,476

$206

Travelers

$2,510

$209

Auto-Owners Insurance Co

$2,534

$211

Grange Insurance

$2,572

$214

Pioneer State Mutual Ins Co

$2,625

$219

Encompass

$2,634

$220

Encompass

$2,634

$220

Westfield

$3,013

$251

Westfield

$3,101

$258

Pioneer State Mutual Ins Co

$3,107

$259

Farm Bureau Ins of MI

$3,244

$270

State Farm

$3,485

$290

Farm Bureau Ins of MI

$3,516

$293

Westfield

$3,791

$316

State Farm

$3,814

$318

Grange Insurance

$3,844

$320

Grange Insurance

$4,060

$338

Grange Insurance

$4,240

$353

Farm Bureau Ins of MI

$4,333

$361

State Farm

$4,353

$363

State Farm

$4,464

$372

Farmers

$4,472

$373

Farmers

$4,802

$400

State Farm

$4,927

$411

Farmers

$5,278

$440

State Farm

$5,651

$471

Hanover

$8,304

$692

Hanover

$8,778

$732

Farmers

$8,922

$744

Hanover

$9,360

$780

Farmers

$10,028

$836

Hanover

$10,936

$911

Farmers

$11,136

$928

Hanover

$11,992

$999

Hanover

$13,487

$1,124

Cheapest Car Insurance in Detroit for Seniors

These auto insurance providers in Detroit offer the cheapest full coverage policies for seniors:

  • Chubb: $809 per year
  • Progressive: $1,664 per year

The most expensive auto insurance for seniors is offered by Hanover at $10,936 per year. On average, MoneyGeek found that senior policyholders in Detroit pay $276 less for car insurance than drivers in their 40s, which isn't the norm.

After age 65, auto insurance prices continue to rise as driving becomes more difficult and accident risk increases due to aging and slower reflexes.

Company
Annual Premium
Monthly Premium

Travelers

$235

$20

Travelers

$253

$21

Travelers

$284

$24

Chubb

$323

$27

Chubb

$391

$33

Chubb

$430

$36

Chubb

$809

$67

Encompass

$969

$81

Chubb

$977

$81

Chubb

$1,084

$90

Progressive

$1,112

$93

Encompass

$1,121

$93

Encompass

$1,121

$93

Progressive

$1,134

$95

Progressive

$1,135

$95

GEICO

$1,217

$101

GEICO

$1,217

$101

GEICO

$1,237

$103

Auto-Owners Insurance Co

$1,301

$108

Auto-Owners Insurance Co

$1,373

$114

Pioneer State Mutual Ins Co

$1,401

$117

Pioneer State Mutual Ins Co

$1,470

$123

Pioneer State Mutual Ins Co

$1,541

$128

Auto-Owners Insurance Co

$1,611

$134

Westfield

$1,647

$137

Progressive

$1,664

$139

Progressive

$1,777

$148

Farm Bureau Ins of MI

$1,783

$149

Westfield

$1,786

$149

GEICO

$1,812

$151

GEICO

$1,819

$152

GEICO

$1,823

$152

Farm Bureau Ins of MI

$1,873

$156

Westfield

$1,976

$165

Progressive

$1,998

$167

Travelers

$2,020

$168

Grange Insurance

$2,066

$172

Grange Insurance

$2,106

$176

Encompass

$2,173

$181

Travelers

$2,239

$187

Farm Bureau Ins of MI

$2,302

$192

Auto-Owners Insurance Co

$2,360

$197

Pioneer State Mutual Ins Co

$2,459

$205

Auto-Owners Insurance Co

$2,476

$206

Travelers

$2,510

$209

Auto-Owners Insurance Co

$2,534

$211

Grange Insurance

$2,572

$214

Pioneer State Mutual Ins Co

$2,625

$219

Encompass

$2,634

$220

Encompass

$2,634

$220

Westfield

$3,013

$251

Westfield

$3,101

$258

Pioneer State Mutual Ins Co

$3,107

$259

Farm Bureau Ins of MI

$3,244

$270

State Farm

$3,485

$290

Farm Bureau Ins of MI

$3,516

$293

Westfield

$3,791

$316

State Farm

$3,814

$318

Grange Insurance

$3,844

$320

Grange Insurance

$4,060

$338

Grange Insurance

$4,240

$353

Farm Bureau Ins of MI

$4,333

$361

State Farm

$4,353

$363

State Farm

$4,464

$372

Farmers

$4,472

$373

Farmers

$4,802

$400

State Farm

$4,927

$411

Farmers

$5,278

$440

State Farm

$5,651

$471

Hanover

$8,304

$692

Hanover

$8,778

$732

Farmers

$8,922

$744

Hanover

$9,360

$780

Farmers

$10,028

$836

Hanover

$10,936

$911

Farmers

$11,136

$928

Hanover

$11,992

$999

Hanover

$13,487

$1,124

Cheapest Car Insurance in Detroit for Poor Credit

These companies offer the most affordable car insurance for people with poor credit in Detroit:

  • GEICO: $3,019 per year
  • Progressive: $3,255 per year

Hanover has the highest premium in Detroit for drivers with poor credit at $49,301 per year.

Having bad credit can significantly raise the cost of auto insurance. In Detroit, the average annual premium differential between good and bad credit policyholders is a whopping $8,644. This is a 217% price increase.

Company
Annual Premium
Monthly Premium

Travelers

$446

$37

Travelers

$482

$40

Travelers

$543

$45

Encompass

$1,438

$120

Encompass

$1,668

$139

Encompass

$1,668

$139

GEICO

$2,004

$167

GEICO

$2,005

$167

GEICO

$2,039

$170

Progressive

$2,090

$174

Progressive

$2,118

$177

Progressive

$2,132

$178

Pioneer State Mutual Ins Co

$2,482

$207

Pioneer State Mutual Ins Co

$2,607

$217

Pioneer State Mutual Ins Co

$2,726

$227

Auto-Owners Insurance Co

$2,936

$245

GEICO

$3,019

$252

GEICO

$3,031

$253

GEICO

$3,038

$253

Progressive

$3,057

$255

Auto-Owners Insurance Co

$3,078

$256

Encompass

$3,087

$257

Progressive

$3,255

$271

Progressive

$3,625

$302

Auto-Owners Insurance Co

$3,654

$305

Encompass

$3,733

$311

Encompass

$3,733

$311

Travelers

$3,946

$329

Pioneer State Mutual Ins Co

$4,168

$347

Travelers

$4,377

$365

Grange Insurance

$4,388

$366

Pioneer State Mutual Ins Co

$4,412

$368

Grange Insurance

$4,480

$373

Westfield

$4,653

$388

Auto-Owners Insurance Co

$4,870

$406

Travelers

$4,907

$409

Westfield

$5,075

$423

Auto-Owners Insurance Co

$5,138

$428

Pioneer State Mutual Ins Co

$5,191

$433

Auto-Owners Insurance Co

$5,204

$434

Chubb

$5,469

$456

Westfield

$5,480

$457

Grange Insurance

$5,494

$458

Farm Bureau Ins of MI

$5,753

$479

Farm Bureau Ins of MI

$5,928

$494

Farm Bureau Ins of MI

$6,842

$570

Westfield

$6,914

$576

Westfield

$6,922

$577

Chubb

$6,973

$581

Grange Insurance

$7,546

$629

Chubb

$7,855

$655

Grange Insurance

$7,926

$661

Westfield

$8,318

$693

Grange Insurance

$8,472

$706

Farm Bureau Ins of MI

$9,564

$797

Farm Bureau Ins of MI

$9,723

$810

Farm Bureau Ins of MI

$11,607

$967

State Farm

$12,014

$1,001

State Farm

$13,174

$1,098

Chubb

$14,468

$1,206

State Farm

$15,070

$1,256

State Farm

$15,462

$1,289

Farmers

$16,471

$1,373

State Farm

$17,094

$1,425

Farmers

$17,607

$1,467

Chubb

$18,147

$1,512

Farmers

$19,311

$1,609

State Farm

$19,643

$1,637

Chubb

$20,560

$1,713

Farmers

$28,573

$2,381

Farmers

$31,800

$2,650

Farmers

$35,231

$2,936

Hanover

$37,911

$3,159

Hanover

$40,048

$3,337

Hanover

$42,544

$3,545

Hanover

$45,414

$3,785

Hanover

$49,301

$4,108

Hanover

$54,409

$4,534

Customers with bad credit are more likely to submit claims to insurance providers, which is why the premium is higher. Fortunately, people with poor credit can try various ways to get cheaper rates. They can, for instance, compare policy rates from different insurers and look for universally applicable discounts. Credit scores may also increase over time as responsible credit usage is implemented.

Cheapest Car Insurance in Detroit for Sports Cars

For sports car drivers in Detroit, the following companies offer the most affordable auto insurance:

  • Chubb: $1,073 per year
  • Progressive: $2,008 per year

Farmers is the most costly auto insurer in Detroit at $8,585 a year for this type of policyholder. Typically, sports car drivers pay more for coverage, but in Detroit, this isn’t the case. In this city, sports car drivers pay 9% or $369 less than those who drive a Toyota Camry.

Company
Annual Premium
Monthly Premium

Chubb

$294

$25

Chubb

$351

$29

Chubb

$392

$33

Travelers

$437

$36

Travelers

$453

$38

Travelers

$491

$41

Encompass

$863

$72

Chubb

$891

$74

Progressive

$897

$75

Progressive

$975

$81

Encompass

$992

$83

Encompass

$992

$83

Progressive

$999

$83

Chubb

$1,073

$89

Auto-Owners Insurance Co

$1,137

$95

GEICO

$1,161

$97

GEICO

$1,161

$97

GEICO

$1,176

$98

Chubb

$1,203

$100

Auto-Owners Insurance Co

$1,206

$100

Auto-Owners Insurance Co

$1,402

$117

Progressive

$1,670

$139

Progressive

$2,008

$167

GEICO

$2,026

$169

GEICO

$2,038

$170

GEICO

$2,052

$171

Auto-Owners Insurance Co

$2,112

$176

Auto-Owners Insurance Co

$2,200

$183

Auto-Owners Insurance Co

$2,276

$190

Farmers

$2,330

$194

Progressive

$2,404

$200

Farmers

$2,520

$210

Encompass

$2,618

$218

Farmers

$2,780

$232

State Farm

$2,939

$245

Encompass

$3,202

$267

Encompass

$3,202

$267

State Farm

$3,212

$268

State Farm

$3,664

$305

State Farm

$4,268

$356

State Farm

$4,712

$393

Travelers

$4,867

$406

Travelers

$5,213

$434

State Farm

$5,423

$452

Travelers

$5,643

$470

Farmers

$7,483

$624

Farmers

$8,585

$715

Farmers

$9,561

$797

Although MoneyGeek uses a Ford Mustang as an example, you should be aware that the cost of a sports car might vary greatly based on the brand and model you drive. Luxury, electric and sports car insurance often costs more than coverage for a regular vehicle.

Average Cost of Car Insurance in Detroit

In Detroit, the average cost of auto insurance is $3,987 per year. This is $2,722 more expensive than the national average and $1,796 more expensive than the average auto insurance rate in Michigan. Other factors affect premiums aside from location, such as accident frequency and severity, vehicle theft rates and the cost of repairs — but remember, your ZIP code won't influence auto insurance costs in Detroit.

These prices apply to a policy with full coverage that has $100,000 in bodily injury liability per person (maximum of $300,000 per accident) and $100,000 in property damage liability.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Ann Arbor

$1,361

$694

Grand Rapids

$1,377

$677

Lansing

$1,486

$813

Sterling Heights

$2,053

$1,211

Warren

$2,571

$1,579

Detroit

$3,987

$2,295

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.