1. Home
  2. The Best Cheap Car Insurance in Detroit

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.

Compare Car Insurance Rates in Detroit

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

Insurance Rates

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.

Scroll for more

swipe icon

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.

Insurance Rates

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

  • 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 by Coverage Type

Liability Only
Full 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.

Insurance Rates

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.

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

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


coffee icon
914Cups of Coffee
display2
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.

Insurance Rates

About the Author


expert-profile

The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.