120+ more*Quotes generated for Insurify users in and around Dearborn, Michigan within the last 10 days. Last updated on September 12, 2026. 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 September 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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10+ years editing experience
Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
The average cost of car insurance in Dearborn, Michigan, is $331 per month. For full-coverage car insurance, the average monthly rate is $403, and for liability-only coverage, the average monthly rate is $259.
Car insurance rates in Dearborn are the second-highest in the state, with only Detroit costing more, on average, at $342 per month. In nearby Clinton Township, on the northeast side of Detroit, the average car insurance rate is $225 per month.
Rates are higher in Dearborn than elsewhere due to vehicle theft, which is about 1.5 times the state and national levels, according to CrimeGrade.org data.
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The cheapest liability-only car insurance in Michigan is USAA, with an average monthly rate of $129. Auto-Owners has the cheapest full-coverage car insurance, with an average monthly rate of $221.
Average car insurance rates in Dearborn are much higher than the statewide monthly averages of $130 for liability-only coverage and $228 for full coverage.
Michigan law requires drivers to carry four types of coverage:[1]
Bodily injury liability: $50,000 per person and $100,000 per accident
Property damage liability: $10,000
Personal injury protection (PIP): You’ll need to select either $250,000, $500,000, or unlimited in PIP coverage; drivers enrolled in Medicaid can choose PIP limits of up to $50,000, and drivers with Medicare Part A and Part B can opt out of PIP coverage
Property protection insurance (PPI): Covers up to $1 million in property damage or damage to parked cars
Many drivers in Dearborn benefit from adding collision and comprehensive coverage to protect themselves from the city’s moderate risk of flooding and higher-than-average risk of auto theft. Adding uninsured motorist coverage can help you cover costs if you’re in an accident with a driver without sufficient coverage, and optional roadside assistance coverage could help after a breakdown.
The following table shows the cheapest liability and full-coverage car insurance rates in Dearborn.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $129 |
| USAA | $129 |
| Chubb | $140 |
| National General | $196 |
| Progressive | $208 |
| Safeco | $208 |
| Liberty Mutual | $237 |
| Bristol West | $254 |
| Direct Auto | $258 |
| State Farm | $266 |
| Travelers | $307 |
| Insurify Car | $309 |
| GEICO | $314 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $221 |
| USAA | $223 |
| Chubb | $241 |
| Progressive | $320 |
| Safeco | $363 |
| Liberty Mutual | $434 |
| National General | $436 |
| State Farm | $456 |
| GEICO | $466 |
| Bristol West | $505 |
| Travelers | $529 |
| Direct Auto | $544 |
All cities in Michigan, except Detroit, have much cheaper average car insurance rates than Dearborn. The cheapest Michigan city for full-coverage car insurance is Battle Creek, with an average monthly rate of $203. The cheapest city for liability-only coverage is Grand Rapids, with an average monthly rate of $104.
One reason behind Dearborn’s rates is the high volume of traffic and congestion, especially on Interstate 94 and on state Route 153 (Ford Road). Dearborn also has a higher proportion of people younger than 18: about 29%, compared to the national average of 21%, according to U.S. Census Bureau data. Teen drivers are four times more likely to be in car accidents, according to the Insurance Institute for Highway Safety. This leads to higher rates for teen drivers.
The following table shows the average car insurance rates in other Michigan cities.
City | Average Monthly Quote |
|---|---|
| Grand Rapids | $156 |
| Ann Arbor | $158 |
| Battle Creek | $158 |
| Lansing | $159 |
| Kalamazoo | $163 |
| Rochester | $180 |
| Flint | $196 |
| Westland | $207 |
| Clinton Township | $225 |
| Warren | $240 |
| Southfield | $248 |
| Detroit | $342 |
Drivers should allow plenty of following distance to avoid accidents, particularly during peak travel times. As a suburb of Detroit that’s also in Wayne County, Dearborn’s roadways experience high traffic volumes.
Ford Road sees more than 40,000 vehicles per day between Mercury Drive and Oakman Boulevard, according to traffic data from the Southeast Michigan Council of Governments. Meanwhile, the stretch of I-94 that crosses Dearborn sees more than 100,000 vehicles per day, according to the Michigan Department of Transportation.
Most serious crashes in Dearborn occur along Ford Road between Dearborn Heights and the Detroit city line and along Michigan Avenue.
Maintaining posted speeds is also important, especially if you want to avoid a ticket. Dearborn Police are implementing a “zero-tolerance” policy for reckless driving, speeding, and distracted driving, which means increased enforcement throughout the city.
Liability policies average $259/mo.
About 3.4% of Dearborn drivers have a ticket on their driving record, and 2.2% have an accident on their record, according to Insurify data. Drivers with minor violations (two points or less under Michigan’s points system) may be able to clear their driving record with a basic driver improvement course. This could help you avoid surcharges on your car insurance.[2]
Insurify data shows that just 0.6% of drivers have an OWI. Michigan’s OWI laws are extremely strict, with a fine of up to $500 and possible jail time for a first offense. Drivers with a blood alcohol content (BAC) above 0.17% face additional penalties.[3]
The following table shows the average monthly quote by driving record in Dearborn.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $331 |
| Speeding ticket | $390 |
| At-fault accident | $392 |
| OWI | $533 |
In Dearborn, teen drivers aged 18 and 19 receive the most citations, according to data from the Dearborn Police Department.
As in the rest of Michigan, Dearborn teens can apply for a driving permit at age 14 and 8 months and for a driver’s license at age 16. The state puts all new drivers in Michigan on probation for three years, regardless of age.[4]
The table below shows the cheapest liability rates for Dearborn drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $414 |
| 20s | $304 |
| 30s | $273 |
| 40s | $270 |
| 50s | $262 |
| 60s | $229 |
| 70+ | $221 |
*Quotes generated for Insurify users in and around Dearborn, Michigan within the last 10 days. Last updated on September 12, 2026. 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 September 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
The following are some of the most frequently asked questions about car insurance in Dearborn, Michigan.
The overall average cost of car insurance in Dearborn is $331 per month, according to Insurify data. It’s the second-highest average rate in Michigan, with only Detroit drivers paying more. You may be able to lower your rate by bundling with your home insurance or renters insurance.
USAA has the cheapest car insurance in Dearborn, with liability rates averaging $129 per month.
Dearborn is just outside Detroit, Michigan’s largest city. Traffic and congestion are high in Dearborn, as is the auto theft rate and proportion of young drivers. These factors drive up prices.
Michigan drivers must carry at least $50,000 per person and $100,000 per accident in bodily injury liability, $10,000 in property damage liability, $1 million of property protection insurance, and PIP coverage at varying amounts. The level of PIP you choose depends on your existing medical insurance coverage.
Yes. Michigan state law requires motorcycle riders to carry liability insurance.[5] Carrying motorcycle medical benefits coverage is optional, but some riders find it meets their insurance needs. Medical benefits coverage pays out if you sustain an injury in a motorcycle accident and no other benefits are available.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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10+ years editing experience
Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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