Cheapest Auto Insurance in Dearborn, Michigan (2024)

Auto-Owners offers the cheapest car insurance in Dearborn, with minimum-coverage policies as low as $103 per month.

Taylor Milam-Samuel
Taylor Milam-Samuel
  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

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Updated December 19, 2024

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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

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Cheapest recent rates near Dearborn, Michigan

Drivers using Insurify have found quotes as cheap as $53/mo for liability only and $110/mo for full coverage in Dearborn and other Michigan cities.

*Quotes generated for Insurify users in and around Dearborn, Michigan within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Dearborn, Michigan within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The overall average cost of car insurance in Dearborn is $389 per month, or $4,670 per year. Drivers in Michigan pay nearly twice as much as the national average because Michigan’s a no-fault state with high coverage requirements.[1]

Here’s how to compare quotes and find cheap car insurance in Dearborn, Michigan.

Quick Facts
  • The average cost of car insurance in Dearborn is $312 per month for liability-only coverage and $466 per month for full coverage.

  • Auto-Owners is the cheapest full-coverage car insurance company in Dearborn.

  • Dearborn drivers with bad credit pay almost twice as much for car insurance as drivers with good credit.

3 of the cheapest car insurance companies in Dearborn 

USAA, Auto-Owners, and Chubb offer some of the cheapest car insurance rates in Dearborn. Depending on the type and amount of coverage you need, one insurer might be better for you than the rest. Consider your budget and needs as you shop for the best rates.

Here’s a look at a few of the cheapest car insurance companies in Dearborn to start your search.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best for
USAA9.4$111$62Military members and veterans
Auto-Owners8.5$111$62Cheap liability coverage
Chubb6.5$121$67High-value cars
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for military members and veterans: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$104/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$185/mo
4.9
Best choiceBased on 1,646 verified guest reviews and ratings
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (940)

Arlington

December 18, 2024

Verified Review

Mediocre

It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.

Peter

December 18, 2024

Verified Review

Not Happy with USAA

They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.

Donna

December 17, 2024

Verified Review

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA requires drivers to have a military affiliation through personal service or a family connection to be a member. Dearborn is close to the Detroit Arsenal, which employs more than 6,000 workers on base, making USAA an excellent pick for residents who work nearby or have another eligible military connection.

Drivers with coverage from USAA can expect competitive rates, accessible customer service, and full-coverage options, including roadside assistance and rental car reimbursement.

Pros
  • Strong J.D. Power customer satisfaction rating in the North Central region

  • Various discounts

Cons
  • Coverage only available to members

  • No 24/7 phone support

Best insurer for cheap liability coverage: Auto-Owners

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$103/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$184/mo
4.0
Best choiceBased on 146 verified guest reviews and ratings
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)

Jim

November 24, 2024

Verified Review

Auto

Overall, it's good, though their flexibility on pricing is less than desired.

Debra

November 3, 2024

Verified Review

Excellent

They keep raising prices.

Scotty

November 2, 2024

Verified Review

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Auto-Owners has some of the lowest rates for liability-only coverage in Dearborn. Liability-only insurance can be a great option if you have an older car that isn’t worth much or you rarely drive. If you’re part of the 8% of Dearborn residents who work from home, liability-only coverage might make sense.

Pros
  • Above-average J.D. Power customer satisfaction rating in the North Central region

  • Plenty of add-on coverage options

Cons
  • Fewer advertised discounts than competitors

  • Online quotes not available

Best insurer for high-value cars: Chubb

User Reviews
3.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$113/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$200/mo
3.6
A solid optionBased on 5 verified guest reviews and ratings
How drivers feel about Chubb

Drivers appreciate the professional customer service and quick claims handling but dislike the expensive rates and limited online portal.

AI-generated from the text of verified reviews collected by Insurify
Best For
High net worth drivers
Customer service
Classic car coverage
How drivers feel about Chubb

Drivers appreciate the professional customer service and quick claims handling but dislike the expensive rates and limited online portal.

AI-generated from the text of verified reviews collected by Insurify
Best For
High net worth drivers
Customer service
Classic car coverage
Reviews (4)

Cynthia

August 11, 2024

Verified Review

Excellent!

Absolutely great!

Alexander

June 18, 2024

Verified Review

I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.

I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.

Troy

October 6, 2021

Verified Review

Good

They are great to deal with, just expensive.
See all Chubb reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.41
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Chubb caters to high-value vehicles, including vintage cars, and offers unique perks. The insurance company allows drivers to determine the value of their car and then pays that amount if it’s totaled. There’s no per-day limit for rental car coverage, and the claims team is available 24/7.

Even though Chubb’s coverage caters to high-end vehicles, its average rates in Dearborn are competitive.

Pros
  • Ensures original equipment manufacturer (OEM) for replacement parts

  • Lifetime guarantee and certified repair shops

Cons
  • Fewer discounts than other insurers

  • Must work with an agent to get a quote

How to get the cheapest car insurance in Dearborn

Car insurance rates depend on different factors, including your age, ZIP code, vehicle type, driving record, and insurance company. But you can take some steps to lower your car insurance rate:

  • Compare quotes. When you shop for coverage, get at least three quotes, but more is better. Reviewing many options can help you get the best deal on your car insurance. Start with quotes from your area’s cheapest car insurance companies.

  • Reduce coverage on older cars. You must meet the minimum liability insurance coverage the state sets. But you might not need coverage beyond that if you have an older car that isn’t worth much. Reducing or dropping extra coverage can help you save money.

  • Bundle insurance policies. Most companies offer discounts when you bundle different insurance policies. For example, you might be able to bundle auto insurance, renters insurance, and business insurance.

  • Ask about additional discounts. Most insurance agents apply all your discounts before finalizing your coverage, but it’s a good idea to double-check for more. Some insurers offer discounts for being a good student, a safe driver, or a loyal customer.

Get Cheap Car Insurance Online

Save up to $852 by comparing quotes from the top 100+ insurance companies

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Cheapest liability-only car insurance in Dearborn: Auto-Owners

Liability-only car insurance meets the legal requirements for coverage in the state of Michigan. The coverage helps pay for the other driver’s vehicle repairs, property damage, and medical bills when you cause an accident. It doesn’t cover the costs of your repairs or medical treatment.

Liability-only car insurance in Dearborn costs an average of $312 per month. The following insurers offer the cheapest coverage.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
Auto-Owners$103
USAA$104
Chubb$113
GEICO$157
Safeco$175
Progressive$197
Nationwide$209
State Farm$214
Direct Auto$243
Travelers$247
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Dearborn: Auto-Owners

Full-coverage car insurance usually includes liability protection, comprehensive, and collision. The policy helps pay for the other driver’s repairs and medical expenses when you cause an accident. It also covers your vehicle repairs, regardless of fault. If you hit an object, sustain damage from a natural disaster, or are the victim of theft, a full-coverage policy pays for repair costs.

Drivers in Dearborn pay an average of $466 per month for full-coverage car insurance.

Here are some full-coverage car insurance companies with affordable rates in Dearborn.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
Auto-Owners$184
USAA$185
Chubb$200
GEICO$280
Progressive$291
Safeco$291
Nationwide$374
State Farm$381
Travelers$440
Direct Auto$493
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Dearborn, Michigan

Drivers using Insurify have found quotes as cheap as $53/mo for liability only and $110/mo for full coverage in Dearborn and other Michigan cities.

*Quotes generated for Insurify users in and around Dearborn, Michigan within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Dearborn, Michigan within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Michigan

Michigan drivers must have liability car insurance coverage, but the state’s requirements are higher than other states, which is one of the reasons coverage costs more in Michigan.

Because it’s a no-fault state, you file an insurance claim with your own insurance company if you’re in an accident, so more insurance claims happen since all involved drivers file. As a result, insurance usually costs more in no-fault states.

Furthermore, Michigan requires drivers to purchase personal injury protection coverage, but drivers can choose their limits. Here are the minimum-coverage amounts for drivers in Michigan:[1]

Coverage
Minimum Requirements
Bodily injury liability
 
  • $50,000 per person
  • $100,000 per accident
Property damage liability
  • $10,000 per accident for accidents outside of the state
  • $1 million per accident for accidents in Michigan
Personal injury protection

Varying limits:

  • Unlimited coverage
  • $500,000 per person per accident
  • $250,000 per person per accident
  • $250,000 per person per accident with exclusions
  • $50,000 per person per accident
  • No medical PIP coverage

Drivers can consider adding extra car insurance coverage beyond the state minimum to ensure adequate protection. Here are some common options:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance helps pay for repairs if something other than a collision causes damage to your car, including hail, theft, vandalism, or debris.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you hit another car or object, collision insurance helps pay for the repairs. For example, you can file a claim if you hit a light post or mailbox.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance pays the difference between your auto loan balance and insurance settlement in the event of a total loss.

  • illustration card https://a.storyblok.com/f/162273/100x100/3220fb55f1/broken-windshield.svg

    Glass coverage

    Some policies include free glass repair, but many don’t. If something damages your window or windshield, this policy pays to fix it.

  • illustration card https://a.storyblok.com/f/162273/x/38dc81ba93/drive-1.svg

    Rental car reimbursement coverage

    If your car is in the shop for repairs during a covered claim, this pays for the cost of renting a car, up to a certain limit.

Cheapest car insurance for drivers with an incident

Car insurance companies consider your driving record when determining rates. Your driving record shows previous incidents, including at-fault accidents, speeding tickets, and driving under the influence (DUI) violations. If you have a violation, it means you’re at a higher risk of filing a claim, so insurance companies increase rates to offset that risk.

The incident on your driving record also affects how much your car insurance rates increase. In Dearborn, drivers with a speeding ticket pay an average of $367 per month for liability coverage. But drivers pay an average of $455 per month for liability insurance if they have a DUI — a substantial increase.

Even with higher rates, getting a good deal on car insurance is still possible. Here’s how much extra you can expect to pay after a violation.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
Auto-Owners$103$124$131$160
USAA$104$123$132$162
Chubb$113$136$144$176
GEICO$157$186$199$244
Safeco$175$210$221$243
Progressive$197$232$252$306
Nationwide$209$251$267$325
State Farm$214$251$269$333
Direct Auto$243$289$315$378
Travelers$247$296$315$384
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average cost of car insurance by age

Your age affects your car insurance rates. Teen drivers pay the most for car insurance due to inexperience and risky behavior on the road.[2]

Rates usually decrease as drivers age, with the lowest rates around retirement age. But later in life, around age 70, rates increase again due to potential health issues and slower reaction times.[3] 

Here’s how much drivers in Dearborn pay on average for car insurance, by age.

Age
Average Monthly Quote
Teens$622
20s$516
30s$451
40s$443
50s$435
60s$410
70s$451
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Dearborn car insurance FAQs

Learn more about getting cheap insurance in Insurify’s guide, and check out the answers to common questions about auto coverage in Dearborn.

  • Does credit score affect car insurance costs in Dearborn?

    No. With Michigan’s recent car insurance law changes, the state eliminated the use of sex, marital status, homeownership status, credit score, educational level, occupation, and ZIP codes in setting rates.[4]

  • How much is car insurance in Dearborn?

    The average cost of car insurance in Dearborn is $312 per month for liability coverage and $466 per month for full coverage.

  • Which companies have the cheapest car insurance in Dearborn?

    Auto-Owners, USAA, and Chubb have the cheapest liability rates in Dearborn, starting at $103, $104, and $113 per month, respectively.

    But the best way to find the cheapest rates for your situation is to use a quote-comparison tool to see as many quotes at once for the coverage you need. This way, you can compare the cheapest rates and find the one that best matches your needs.

  • What are the best car insurance companies in Dearborn?

    Auto-Owners, Chubb, and USAA are a few of the best car insurance companies in Dearborn, according to Insurify’s analysis. These insurers have plenty of coverage options, low average rates, and strong customer satisfaction ratings.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Michigan Department of Insurance and Financial Services. "Brief Explanation of Michigan No-Fault Insurance."
  2. III. "Auto insurance for teen drivers."
  3. III. "Senior driving safety and insurance tips."
  4. Michigan Department of Insurance and Financial Services. "Michigan's New Auto Insurance Law."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Taylor has been a contributor at Insurify since February 2023.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

Featured in

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