Cheap Auto Insurance Quotes in Dearborn, MI (2021)

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A small suburb located west of Detroit, Dearborn is host to more driving dangers than you’d think. Traffic isn’t necessarily an issue for the 93,000 people who call Dearborn home, as road hazards tend to take the form of more natural causes. Winter weather can be difficult to navigate here, and during October and November, deer regularly jump into the road with no warning. It’s recommended that Dearborn drivers regularly evaluate their auto insurance coverage to make sure it offers everything they need.

Car Insurance in Dearborn, MI

The average cost of Michigan car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Dearborn, MI to find you the cheapest quotes in the area.

$317
$379
$1,702
Liberty MutualAllstateAmerican Family

Cheapest Car Insurance in Dearborn

Here are the cheapest carriers in Dearborn for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Dearborn, MI

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Dearborn. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$459
$520
$241
$338
$399
$799
MichiganDetroitGrand RapidsWarrenSterling HeightsDearborn

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Dearborn, MI Driving Facts

michigan

Minimum Car Insurance Requirements in MI

Michigan has more complex insurance laws, centered around a no-fault car insurance policy mandate, that are designed to cover injuries and damages caused in an accident regardless of fault. Michigan car insurance companies also offer three types of collision car insurance: limited, standard, and broad form.

Dearborn Car Insurance Rates by Driver Age

Unless mom and dad help, car insurance rates would be almost impossible for most Dearborn teens to pay, at $979 per month. That’s a rent payment for many people across the country. But it gets chopped down by over $450 for Michiganders in their 20s, who have more driving experience. Even drivers in their 50s pay more than the state average of $389 by $34. Years behind the wheel help, but drivers in Dearborn, and Michigan in general, are expensive to insure because of the no-fault rules and regulations.

Driving History
No Violation$583
Speeding Ticket$567
At-Fault Accident$468
Failure to Stop for Red Light / Stop SignN/A

Dearborn Car Insurance Rates by Driving and Accident History

Is an at-fault accident the best way to get a cheap policy in Dearborn or even the rest of the Great Lakes State? At $467 per month, the data can be misleading. Those with accidents or violations often strip down their policies to bare-bones coverage, with many opting for liability only. Those with no violations can afford to put comprehensive and collision coverage on their policies. Higher levels of coverage mean higher costs. After three years, speeding tickets and accidents stop affecting insurance monthly premiums, making drivers eligible for “good driver” and “accident-free” discounts.

Dearborn Car Insurance Rates by Credit Tier

Michigan is one of a handful of states that prevent the use of credit as a rating factor for car insurance. At $699, drivers with good credit pay the most in Dearborn. The reason may be that drivers with better credit finance costlier cars and get higher coverage levels to protect their assets. Those with excellent credit may be preferred by the insurance company in other ways. For example, they may bundle their home and car insurance, accounting for the lowered cost of $414 per month.

Dearborn, MI DMV Information

Dearborn proper is home to one DMV office, sometimes making it difficult to meet the needs of motorists in the area. This singular location is open Monday through Friday from 9 a.m. to 5 p.m., with the exception of Wednesdays, when the office is open from 11 a.m. to 7 p.m. If you need to visit the DMV and can’t take time off work, Wednesday is your best chance to access their services.

Public Transportation in Dearborn, MI

Public transportation in Dearborn is sorely lacking, almost completely necessitating the ownership of a car for those who live in the area. The Suburban Mobility Authority for Public Transportation has integrated stops in Dearborn among the larger Detroit bus routes, although it’s recommended that you utilize Uber, Lyft, or a taxi service for more consistent travel options.

Conclusion: How to get the best and cheapest car insurance in Dearborn, MI

Dearborn residents have long struggled with the cost of auto insurance rates, and it’s understandable that some might take this frustration out on the road. Driving in Dearborn requires that you’re exceptionally alert, particularly during the fall and winter months. If possible, consider taking public transportation during these times to reduce your risk of an accident.

When you need to save money on car insurance, Insurify can help. Dearborn drivers can compare quotes from several companies at once and easily see which policy will save them the most money.

Find local Dearborn agents

Karcher Agency 
23498 Michigan Ave, Dearborn, MI 48124
Corporate Services, Inc. 
225 Tannahill St, Dearborn, MI 48124-1053
Goosehead Insurance 
3 Parklane Blvd, Dearborn, MI 48126-2506
The Dearborn Agency, Inc. 
22691 Michigan Ave, Dearborn, MI 48124-2115
Look Insurance Dearborn Heights
4629 S Telegraph Rd, Dearborn Heights, MI 48125
Marlin Insurance Agency & Investments
24623 Ford Rd, Dearborn, MI 48128
Jerry & Verda Toler Insurance Agency - Meemic Insurance Agent
23550 Ford Rd, Dearborn Heights, MI 48127
L.A. Insurance
5098 Schaefer Rd, Dearborn, MI 48126
ACCESS Insurance Agency
6913 Schaefer Rd, Dearborn, MI 48126
Bob Zakar - State Farm Insurance Agent
936 N Telegraph Rd, Dearborn, MI 48128

Insurify Insights: How Dearborn Drivers Measure Up

ford
Ford Fusion
Most Popular Car in
Dearborn, MI
suspended licenses
#34
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Dearborn drivers measure up to their fellow Michigan motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Dearborn

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Dearborn drivers rank 9 in the number of car accidents per driver across all cities in Michigan.

  • Rank within state: #9
  • Percent of drivers in Dearborn with an accident: 6.29%
  • Drivers in Dearborn, MI with an accident in their driving history paid on average -90.94% more than drivers with a clean record

Speeding Dearborn

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Michigan, Dearborn drivers rank 33 in the number of speeding infractions per driver.

  • Rank within state: #33
  • Percent of drivers in Dearborn with a speeding ticket: 5.61%
  • Drivers in Dearborn, MI with a speeding ticket in their driving history paid on average 28.92% more than drivers with a clean record

DUI/DWIs Dearborn

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Dearborn drivers rank 25 in the number of DUI’s per driver across all cities in Michigan.

  • Rank within state: #25
  • Percent of drivers in Dearborn with a DUI: 1.19%
  • Drivers in Dearborn, MI with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Dearborn

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Dearborn is the Ford Fusion.

Rude Dearborn

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Michigan, Dearborn drivers rank 16 in rude driving infractions.

  • Rank within state: #16
  • Percent of drivers in Dearborn with a reckless driving violation: 0.85%
  • Drivers in Dearborn, MI with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers Dearborn

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Dearborn drivers rank 3 in clean driving records across all cities in Michigan.

  • Rank within state: #3
  • Percent of drivers in Dearborn with clean record: 88.78%

Failure to Yield the Right of Way Dearborn

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Dearborn drivers rank 12 in failure to yield violations per driver across all cities in Michigan.

  • Rank within state: #12
  • Percent of drivers in Dearborn with a failure to yield violation: 0.34%
  • Drivers in Dearborn, MI with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Dearborn

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Michigan, Dearborn drivers rank 2 in the number of reckless driving offenses per driver.

  • Rank within state: #2
  • Percent of drivers in Dearborn with a reckless driving offense: 0.17%

Hybrid/Electric Vehicle Ownership Dearborn

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Dearborn drivers rank 18 in hybrid and electric vehicle ownership across all cities in Michigan.

  • Rank within state: #18
  • Percent of drivers in Dearborn with a hybrid/electric vehicle: 0.76%

FAQs - Dearborn, MI Car Insurance

Is car insurance in Dearborn expensive?

Surprisingly, auto insurance rates in this city are some of the highest in the country due to weather conditions, state driving laws, and other factors. The national annual average for auto insurance is around $1,500, while residents of Dearborn often pay more than three times this rate.

Do I need special auto coverage in Dearborn?

Michigan is one of only a few states that require drivers to carry personal injury protection insurance. Motorists must also have bodily injury, property damage, and property protection options on their policy.

Where can I find affordable car insurance in Dearborn?

Rather than spend time comparing quotes from multiple insurance agents, consider visiting Insurify. After answering a few questions, you can look at real-time quotes and find an affordable policy that meets your driving needs.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.