Cheapest Auto Insurance in Detroit, Michigan (2026)
USAA offers the cheapest car insurance in Detroit, with minimum-coverage policies as low as $141 per month.
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Janet Berry-JohnsonInsurance Writer, CPA
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
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As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
On average, Detroit drivers pay $339 per month for car insurance. By comparison, the Michigan state average is $173 per month. At the national level, drivers pay a monthly average of $136.
Michigan has the highest car insurance costs of any state, Insurify data shows. High accident frequency and severity, a high rate of vehicle theft and vandalism, and a high rate of uninsured motorists contribute to the cost of car insurance in the state and in Detroit.[1]
Quick Facts
USAA offers the cheapest liability insurance rates in Detroit.
Insurers in Michigan can’t consider your credit history when setting rates.
Teen drivers pay an average of $636 per month for full coverage.
Cheapest car insurance companies in Detroit
Finding affordable car insurance in Detroit can be tricky. The right policy for you will depend on your coverage needs, location, driving history, and more. Always compare quotes before buying a policy.
Below are some of the cheapest car insurance companies in Detroit.
Best insurer for bundling: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $141/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. | $227/mo |
4.3
Best choice in Detroit, MIBased on 315 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Detroit for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Detroit for
Cheap rates
Senior drivers
Ample discounts
Showing 10 Michigan reviews for Detroit drivers - See all 146 Auto-Owners reviews
Paul
Verified Review
Auto Owners
Reviewed in Michigan on February 10, 2026
Auto Owners' rates have increased year after year.
Scott
Verified Review
Poor
Reviewed in Michigan on January 28, 2026
Prices are too high.
William
Verified Review
Claims handled great but very expensive
Reviewed in Michigan on January 16, 2026
Way too expensive.
David
Verified Review
Getting Expensive
Reviewed in Michigan on October 6, 2025
I've been with them for 15 years and received $3,200 back when a tree fell on my roof. It seems I'm in the hole for $19,776.00 over these years.
Linda
Verified Review
Best Claim Service
Reviewed in Michigan on August 23, 2025
When a driver drove into my back end, the communication and service were excellent!
Bruce C
Verified Review
Auto-Owners OK
Reviewed in Michigan on August 14, 2025
Return calls and information are relatively fast. Previous attempts to find a lower-cost policy have been fruitless.
Thomas
Verified Review
Fair Insurance, One Bad Agent
Reviewed in Michigan on July 4, 2025
I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.
Richard
Verified Review
Time to Compare Rates
Reviewed in Michigan on April 19, 2025
I have had no problems with Auto-Owners, I just want to compare rates.
Mike
Verified Review
Unexpected Rate Increase
Reviewed in Michigan on March 27, 2025
The service was not satisfactory. Our rates were tripled without any notification.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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 offers competitive rates for drivers in Detroit and several discounts for bundling, going claims-free, paperless billing, and more.
Pros
Policies for home, auto, life, and business insurance
Only one deductible applies if you bundle home and auto insurance and have a claim that involves both
Cons
Quotes only available through an Auto-Owners independent agent
No 24/7 claims service
Best insurer for military families: 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. | 9.1 /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. | $141/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. | $229/mo |
4.9
Best choice in Detroit, MIBased on 3,194 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Detroit for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Detroit for
Members of the military community
Outstanding customer service
Competitive rates
Showing 8 Michigan reviews for Detroit drivers - See all 1,492 USAA reviews
Marcia
Verified Review
Good customer service and roadside assistance.
Reviewed in Michigan on January 22, 2026
I have not had to make any claims except for roadside assistance, and it went well. Their prices are rather high, though. I like the company and what they stand for, but I'm not sure if I can afford to keep them.
Lavonne
Verified Review
Lower Rate
Reviewed in Michigan on January 7, 2026
It's okay. Just way too expensive monthly and they never offered any discounts.
Halbert
Verified Review
Good
Reviewed in Michigan on October 20, 2025
Lowering car insurance rates!
Natalie
Verified Review
Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.
Reviewed in Michigan on September 30, 2025
Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.
Elisabeth
Verified Review
USAA
Reviewed in Michigan on August 13, 2025
Excellent, especially customer service.
Nathaniel
Verified Review
Hopefully you don't actually need it
Reviewed in Michigan on April 26, 2025
It was cheap until I went in the ditch and actually needed my insurance. They doubled my premiums.
Patrick
Verified Review
Price Hiked!
Reviewed in Michigan on April 25, 2025
Search for a lower price if you have a great driving record and payment history!
Michael
Verified Review
Satisfied!
Reviewed in Michigan on March 27, 2025
Very good!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 offers a variety of insurance policies for active-duty military members, veterans, and their families. You may be able to qualify for insurance from USAA if you have a current or past family member serving in the military.
Pros
Mobile app allows you to access ID cards, request policy changes, pay your bill, and manage claims
Available in all 50 states, the District of Columbia, U.S. territories, and some international locations
Cons
Only covers passenger vehicles and trucks — no motorcycles, ATVs, RVs, boats, or personal watercraft
Coverage only available to members of the military community
Best insurer for discounts: GEICO
| 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. | 9.2 /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. | $348/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. | $471/mo |
4.0
Best choice in Detroit, MIBased on 16,353 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Detroit for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Detroit for
Teen drivers
Cheap rates
Accident forgiveness
Showing recent national reviews - See all 7,470 GEICO reviews
Foster
Verified Review
For now, it's the best insurance company. The only problem I have is that they want to track my movement, and I feel they are intruding on my privacy.
Reviewed in New York on March 16, 2026
For now, it's the best insurance company. The only problem I have is that they want to track my movement, and I feel they are intruding on my privacy.
Crystal
Verified Review
I'm suing Geico
Reviewed in South Carolina on March 16, 2026
I feel like if you have full coverage and your car gets stolen and destroyed to where it's not even drivable, you should definitely get 30 days of rental car coverage, because that's what comes with it. But if they declare it a total loss, they only give you 3 days, which is not enough time to buy anything. And then you cannot buy anything with only four thousand dollars. All the items that were stolen from inside the car equaled about six thousand dollars, and I did not get compensated for them. Also, your prices are very, very high.
Lisa
Verified Review
Great customer service. Quick claims resolution
Reviewed in North Carolina on March 16, 2026
Great
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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
GEICO offers a broad range of coverage options and discounts, including roadside assistance coverage starting at just $14 per year. You can also get rental reimbursement and mechanical breakdown coverage to help you get back on the road.
Pros
Competitive rates and variety of discounts
Mobile app has excellent customer ratings
Cons
Below-average J.D. Power customer satisfaction rating
Gap insurance not available
)
Top 10 Cheap Car Insurance Companies in March 2026
How to get the cheapest car insurance in Detroit
Insurance companies base their rates on several factors, including your age and the year, make, and model of your vehicle. While some of these factors are outside your control, you can take steps to find affordable car insurance and keep your rates low.
Jeffrey L. Brewer, vice president of public affairs at the American Property Casualty Insurance Association (APCIA), recommends the following:
Adjust your coverage. “Increase your deductible and lower non-essential coverage like glass, rental car, and roadside service,” Brewer says.
Consider a usage-based policy. “Some insurers offer savings for signing up for these programs and will offer additional savings based on how you drive. The safer the driving behavior, the greater the discount,” Brewer says.
Ask for discounts that may be available. “Ask your insurer if they have billing method discounts or other discount programs,” Brewer says.
Shop around. Brewer recommends you shop around with different companies. “As you shop, make sure you are comparing apples to apples regarding the coverage and service,” Brewer says. “Buying the cheapest policy is not necessarily the best decision for every driver. Consider the type of vehicle that is being insured and the assets you need to protect.”
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Cheapest liability-only car insurance in Detroit: USAA
Liability-only car insurance is a type of auto insurance that covers the cost of damages to other vehicles, pedestrians, or property caused by the insured driver, but not damage to the driver’s own vehicle.2
Liability-only coverage is cheaper than full-coverage car insurance, so you may be interested if you have an older model car that isn’t worth a lot. But if you have a car payment, your lender or leasing company will probably require you to carry full coverage.
The table below shows the companies offering the cheapest liability-only policies in Detroit. The cheapest insurer for liability-only car insurance in Detroit is USAA, with a cost of $141 per month.
The below rates in Detroit, MI, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| USAA | $141 |
| Auto-Owners | $141 |
| Chubb | $152 |
| National General | $211 |
| Safeco | $215 |
| Progressive | $234 |
| Nationwide | $285 |
| State Farm | $289 |
| Liberty Mutual | $297 |
| GEICO | $348 |
Disclaimer: Table data sourced from real-time Detroit car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Detroit may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Detroit: Auto-Owners
Full-coverage auto insurance includes liability coverage as well as collision and comprehensive coverage, which pay for damage to your own vehicle caused by a covered claim. Collision coverage can pay for an accident with another vehicle or when your vehicle hits another object, like a phone pole. Comprehensive insurance covers non-collision-related claims, such as vehicle theft or vandalism.
You can find the cheapest full-coverage car insurance in Detroit from Auto-Owners, at a rate of $227 per month.
The table below shows the insurance companies offering the cheapest full-coverage policies in Detroit.
The below rates in Detroit, MI, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $227 |
| USAA | $229 |
| Chubb | $248 |
| Progressive | $375 |
| Safeco | $375 |
| National General | $447 |
| Liberty Mutual | $449 |
| Nationwide | $463 |
| State Farm | $471 |
| GEICO | $471 |
Disclaimer: Table data sourced from real-time Detroit car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Detroit may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Detroit, Michigan
Recent Detroit, Michigan car insurance prices for Dodge, Chevrolet, Chrysler , and more.
*Quotes generated for Insurify users in and around Detroit, Michigan within the last 10 days. Last updated on March 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Detroit, Michigan within the last 10 days. Last updated on March 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Michigan
Michigan is a no-fault state for car insurance.3 This means that drivers receive compensation from their insurance company after an accident, regardless of who caused the accident.
All drivers must carry a minimum amount of residual bodily injury and property damage liability coverage, as well as property protection insurance (PPI). PPI pays for damage to other people’s property in Michigan caused by your car. But it doesn’t apply to other cars unless they’re parked.
Most drivers must also purchase a minimum amount of personal injury protection (PIP), which pays for medical expenses, recovery, and rehabilitation after an auto accident for the rest of your life, up to the chosen limit. Only Medicaid recipients who meet certain criteria can opt out of carrying PIP medical coverage.4
Coverage | Minimum Requirements |
|---|---|
| Residual bodily injury liability | $50,000 per person / $100,000 per accident |
| Residual property damage liability | $10,000 for damage outside Michigan |
| Personal injury protection | $250,000 per person per accident |
| Property protection insurance | $1 million for damage in Michigan |
For peace of mind behind the wheel, you should consider carrying more than the minimum coverages on your auto insurance policy. Some other coverages to consider include:
Comprehensive coverage
This reimburses you for theft or damage to your car due to events other than a collision, such as theft, vandalism, fire, or severe weather hazards, including snow, ice, and hail.
Collision coverage
This reimburses you for damage to your vehicle due to a collision with another vehicle or an object such as a tree, fence, or light pole. Collision also covers rollover accidents and damage from hitting a pothole.
Glass coverage
This coverage pays to repair or replace your car windshield, windows, and sunroof with no deductible.
Gap insurance
This pays the difference between the fair market value of your car and what you owe on your car loan if it’s totaled in an accident or stolen.5
Uninsured/underinsured motorist coverage
More than 25% of Michigan motorists drive without insurance. That percentage is likely higher in Detroit, where car insurance premiums consume about 18% of a household’s annual pre-tax income.6 Uninsured/underinsured motorist coverage can help pay your costs if you’re in an accident with a driver who has no insurance or too little insurance. It also provides coverage for hit-and-run accidents.
Cheapest car insurance for Detroit drivers with an incident
Incidents can include at-fault accidents, speeding tickets, operating while intoxicated (DUI), and other moving violations. Having these on your record can increase your car insurance rates above what drivers with a clean driving record pay. This is because insurance companies see you as a higher risk, and they charge higher premiums to offset that risk.
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Cheapest car insurance for drivers with a speeding ticket: USAA
If you have a speeding ticket on your record, you’ll likely face a rate increase, depending on the severity of the incident and whether it was your first offense.Detroit drivers with speeding tickets face average monthly rates of $468 for full coverage and $304 for a liability-only policy, Insurify data shows. The following table shows the cheapest car insurance options available in Detroit, Michigan, for drivers with speeding tickets on their records.
The below rates in Detroit, MI, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| USAA | $283 | $174 |
| Auto-Owners | $283 | $176 |
| Chubb | $301 | $184 |
| Progressive | $426 | $266 |
| Safeco | $472 | $271 |
| National General | $531 | $250 |
| Liberty Mutual | $545 | $361 |
| State Farm | $570 | $350 |
| Nationwide | $574 | $353 |
| GEICO | $588 | $435 |
Disclaimer: Table data sourced from real-time Detroit car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Detroit may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Finding affordable insurance after an at-fault accident can be challenging. Insurers consider you a risky driver, so they’ll increase your rates to account for that extra risk. Accident forgiveness coverage can hold your premium steady after your first at-fault accident, but you’ll need to buy it before getting into an accident.
An at-fault accident pushes the average monthly cost of car insurance in Detroit to $454 for full coverage and $294 for liability only. You can still find affordable premiums with the right insurers, though. The table below shows the best cheap options for Detroit drivers with an at-fault accident on their record.
The below rates in Detroit, MI, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $275 | $171 |
| USAA | $282 | $173 |
| Chubb | $302 | $185 |
| Progressive | $413 | $258 |
| Safeco | $483 | $277 |
| National General | $544 | $257 |
| Liberty Mutual | $548 | $362 |
| GEICO | $561 | $414 |
| State Farm | $571 | $350 |
| Nationwide | $572 | $352 |
Disclaimer: Table data sourced from real-time Detroit car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Detroit may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence of drugs or alcohol can be a costly mistake that affects your car insurance rates for years. Finding cheap car insurance can be tough if you’ve been convicted of a DUI. In fact, the average monthly cost of full-coverage car insurance for Detroit drivers with a DUI is $663, while liability coverage averages $430 per month with a DUI.
The table below shows the insurance companies offering the most competitive rates for Detroit drivers with a DUI.
The below rates in Detroit, MI, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $351 | $218 |
| USAA | $355 | $218 |
| Chubb | $384 | $235 |
| Progressive | $604 | $377 |
| Safeco | $615 | $352 |
| National General | $692 | $327 |
| Liberty Mutual | $695 | $460 |
| Nationwide | $717 | $441 |
| GEICO | $721 | $533 |
| State Farm | $729 | $447 |
Disclaimer: Table data sourced from real-time Detroit car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Detroit may vary based on the policy buyer's unique driver profile.
)
How Long Does a DUI Stay on Your Record?
Cheapest car insurance for seniors: Auto-Owners
Drivers 70 and older have higher rates of fatal crashes per mile driven than middle-aged drivers, according to the Insurance Institute for Highway Safety.7 As a result, insurance companies tend to increase rates for senior drivers.
On average, Detroit seniors pay $365 for full-coverage car insurance and $237 for liability-only policies. If you’re a senior driver looking for affordable car insurance in Detroit, the companies below offer some of the most competitive monthly rates.
The below rates in Detroit, MI, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $182 | $113 |
| USAA | $188 | $116 |
| Chubb | $190 | $117 |
| Safeco | $332 | $190 |
| Progressive | $333 | $208 |
| National General | $357 | $168 |
| Nationwide | $360 | $221 |
| State Farm | $376 | $230 |
| Liberty Mutual | $380 | $252 |
| GEICO | $380 | $280 |
Disclaimer: Table data sourced from real-time Detroit car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Detroit may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Car insurance companies typically charge higher rates for young drivers because they have less experience behind the wheel and are prone to taking risks that more mature drivers might not take. Teens and their families can help keep rates low by staying on their parents’ policy and taking advantage of discounts many insurance companies offer, such as those for good students and completing a driver training course.8
Minors can’t legally buy their own car insurance policy without written consent from a parent or guardian. In Detroit, the average cost of car insurance for teen drivers is $412 per month for a liability policy. The following table illustrates what top insurers charge teen drivers in Detroit.
The below rates in Detroit, MI, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| USAA | $393 | $242 |
| Auto-Owners | $426 | $265 |
| Chubb | $480 | $294 |
| Progressive | $579 | $361 |
| Safeco | $705 | $404 |
| Liberty Mutual | $730 | $483 |
| GEICO | $778 | $575 |
| Nationwide | $843 | $519 |
| National General | $845 | $399 |
| State Farm | $850 | $522 |
Disclaimer: Table data sourced from real-time Detroit car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Detroit may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Detroit?
Yes. The cost of car insurance in Detroit is significantly higher than the national average and has been for several years. Average monthly premiums in Detroit are $412 for full coverage and $267 for liability-only coverage, according to Insurify data. Nationwide, the average monthly premiums are $173 for full coverage and $99 for liability-only coverage.
One of the reasons for this large discrepancy has historically been Michigan’s unique form of no-fault insurance. Until July 1, 2020, insurance companies in the state had to offer unlimited PIP coverage, meaning they were on the hook for unlimited medical damages in the event of an accident.[2]
In 2020, that system was replaced by a tiered system that allows Michigan drivers to purchase lower PIP limits.
More cities in Michigan
The cost of car insurance in Detroit is significantly higher than in other Michigan cities. For example, the average monthly rate in Detroit is $339, compared to Flint’s average rate of $188. The following table shows average monthly car insurance costs in other Michigan cities.
City | Average Monthly Quote |
|---|---|
| Ann Arbor | $157 |
| Dearborn | $356 |
| Flint | $188 |
| Grand Rapids | $147 |
| Kalamazoo | $159 |
| Lansing | $151 |
| Rochester | $180 |
| Warren | $238 |
Disclaimer: Table data is based on real-time Detroit quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Detroit car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Detroit.
How much is car insurance in Detroit?
The total average cost of car insurance per month in Detroit is $339. Detroit drivers pay an average of $412 per month for full-coverage insurance and $267 per month for liability coverage. Your exact rate will depend on your insurer, age, driving record, vehicle type, chosen coverage level, and more.
What are the best car insurance companies in Detroit?
Auto-Owners is the best car insurance company in Detroit, with an Insurify Quality (IQ) Score of 8.2 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Detroit choices include USAA and GEICO.
Which companies offer the cheapest car insurance in Detroit?
USAA is the cheapest insurer for Detroit drivers, with liability-only policies starting at $141 per month. Auto-Owners and Chubb are the second- and third-cheapest insurance companies in Detroit, with monthly liability rates as low as $141 and $152, respectively.
How do credit scores affect car insurance in Detroit?
Insurance companies are no longer allowed to use credit information as a rating factor in Michigan, so credit no longer affects car insurance rates in Detroit.
Methodology
Insurify data scientists analyzed more than 190 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:
- 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
- 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.
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Sources
- ABC - WXYZ Detroit. "New stats show Detroit car thefts rose 45% in 2022."
- University of Michigan. "Auto Insurance and Economic Mobility in Michigan."
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Janet Berry-JohnsonInsurance Writer, CPA
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.