Cheap Auto Insurance Quotes in Dearborn, MI (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Dearborn, MI

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

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Dearborn, MI Driving Facts

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.

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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.

Driver's AgeAvg. Monthly Cost
teens$979
20s$507
30s$700
40s$478
50s$424
60s$600
70s$616
80s$651
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$415
Good$700
Average$560
Poor$608

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Dearborn stacks up for the state of Michigan:

ford
Ford Fusion
Most Popular Car in
Dearborn, MI
suspended licenses
#29
Cities with Most
Suspended Licenses Rank

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.