Cheap Auto Insurance Quotes in Detroit, MI (2021)

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This city is all heart and soul. It’s the center of the automobile industry and birthplace of Motown. Though it’s been in crisis mode before, it’s a city that’s bouncing back in major ways.

Detroit drivers aren’t strangers to hardship, but every hardship has a light at the end of the tunnel. For people looking for better insurance rates, that light is their ability to go online and see what is on offer in the way of insurance rates and rate-reducing discounts.

Car Insurance in Detroit, 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 Detroit, MI to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$520
Liberty Mutual
Monthly $

Cheapest Car Insurance in Detroit, MI

Here are the cheapest carriers in Detroit 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 Detroit, 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 Detroit. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$435
$241
$338
$399
$678
$520
MichiganGrand RapidsWarrenSterling HeightsAnn ArborDetroit
Monthly $

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Detroit, MI Driving Facts

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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.

Detroit Car Insurance Rates by Driver Age

Driving on Detroit roads can be expensive, particularly for younger inexperienced drivers or older motorists, who may not be able to react quickly to dangers on the road. Individuals under the age of 20 will pay an average of $885 a month for their car insurance, while those in their 80s pay rates around $709. At its cheapest, car insurance in Detroit runs an average of $543 for drivers in their 40s, who have the perfect mix of experience and agility.

Driving History
No Violation$586
Speeding Ticket$680
At-Fault Accident$424
Failure to Stop for Red Light / Stop Sign$367

Detroit Car Insurance Rates by Driving and Accident History

Safe driving should always be a priority, no matter how much you’re paying for car insurance. Drivers with a clean driving record pay around $585, while those with a variety of violations tend to pay a range of rates. Speeding in Detroit increases your premium to $679 a month, while an at-fault accident changes your price to $423 on average. Should you fail to stop at a stop sign, you can expect your car insurance to cost around $366.

Detroit Car Insurance Rates by Credit Tier

As you’d expect, motorists in Detroit with excellent credit scores pay the least for their car insurance. Individuals in this tier pay an average of $531, while those in the next bracket down are charged just about $100 more. Those who are working on their credit score and fall into the average credit category pay $692 on average. Motorists with poor credit sometimes get to pay a bit less, as this group is often charged around $588 for coverage.

Detroit, MI DMV Information

The Michigan Department of Motor Vehicles is a great resource for online information any new resident might need quickly, including state insurance laws, the closest motor vehicle offices, and how to access their own driving record. If you are out and about doing your DMV business in Detroit, there are 14 yellow self-service stations (these are actually kiosks) within a 10-mile radius where you can renew and print an existing automobile, motorcycle, or watercraft registration. Like to plan way ahead of time? Customers can make an appointment up to six months in advance or for the next day online at Michigan.gov/SOS.

Public Transportation in Detroit

Although this 139-square-mile city seems to go on and on, it’s possible to get around easily if you know what’s out there. Detroit offers plenty of systems of transportation, including a light-rail and streetcar system, bikeshare, carshare, and bus services (including DDOT, Greyhound, Megabus, SMART, Fast, and the Tunnel Bus). Amtrak has several metro Detroit stations for those who need to get somewhere quickly, while those who want to take it a little slower might opt for a Bird or Lime scooter rental.

Conclusion: How to get the best and cheapest car insurance in Detroit

Although in the past Detroit has suffered a major economic decline, there are still plenty of people sticking it out—and that’s a testament to its residents’ determination and grit.

You don’t have to hang on to your insurance policy any longer than you want to—as long as you don’t let it lapse! If you are thinking about changing insurance providers, go to Insurify.com before you cancel to get top rates from plenty of rock-solid providers all in one place.

Find local Detroit agents

Long Insurance Services, LLC 
3031 W Grand Blvd, Detroit, MI 48202-3034
VTC Insurance Group 
333 W Fort St, Detroit, MI 48226
Camelot Insurance Agency, LLC 
1420 Washington Blvd, Detroit, MI 48226-1718
Diebold Detroit Insurance Agency 
1535 6th St Ste 1, Detroit, MI 48226-1008
J Healan Baker Agency Inc 
645 Griswold St, Detroit, MI 48226-4116
Bologna Agency, Inc. 
535 Griswold St, Detroit, MI 48226-3604
Lewis & Thompson Agency Inc
2621 W. Grand Blvd., Detroit, MI 48208-1234
Family Auto Insurance Agency
6442 Michigan Ave, Detroit, MI 48210
Kim-One Insurance Agency - Meemic Insurance Agent
11000 W McNichols Rd, Detroit, MI 48221
Premier Insurance Agency Detroit
15363 Livernois, Detroit, MI 48238

Insurify Insights: How Detroit Drivers Measure Up

chevrolet
Chevrolet Malibu
Most Popular Car in
Detroit, MI
suspended licenses
#1
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 Detroit 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 Detroit

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. Detroit drivers rank 42 in the number of car accidents per driver across all cities in Michigan.

  • Rank within state: #42
  • Percent of drivers in Detroit with an accident: 2.96%
  • Drivers in Detroit, MI with an accident in their driving history paid on average 15.38% more than drivers with a clean record

Speeding Detroit

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Michigan, Detroit drivers rank 9 in the number of speeding infractions per driver.

  • Rank within state: #9
  • Percent of drivers in Detroit with a speeding ticket: 8.3%
  • Drivers in Detroit, MI with a speeding ticket in their driving history paid on average 19.91% more than drivers with a clean record

DUI/DWIs Detroit

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Detroit drivers rank 32 in the number of DUI’s per driver across all cities in Michigan.

  • Rank within state: #32
  • Percent of drivers in Detroit with a DUI: 0.9%
  • Drivers in Detroit, MI with a DUI in their driving history paid on average 29.11% more than drivers with a clean record

Most Popular Vehicle Detroit

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Detroit is the Chevrolet Malibu.

Rude Detroit

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, Detroit drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Detroit with a reckless driving violation: 2.6%
  • Drivers in Detroit, MI with a reckless driving violation in their driving history paid on average 9.95% more than drivers with a clean record.

Safest Drivers Detroit

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Detroit drivers rank 7 in clean driving records across all cities in Michigan.

  • Rank within state: #7
  • Percent of drivers in Detroit with clean record: 87.82%

Failure to Yield the Right of Way Detroit

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Detroit drivers rank 8 in failure to yield violations per driver across all cities in Michigan.

  • Rank within state: #8
  • Percent of drivers in Detroit with a failure to yield violation: 0.45%
  • Drivers in Detroit, MI with a failure to yield violation in their driving history paid on average 1100% more than drivers with a clean record

Reckless Drivers Detroit

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, Detroit drivers rank 16 in the number of reckless driving offenses per driver.

  • Rank within state: #16
  • Percent of drivers in Detroit with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Detroit

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Detroit drivers rank 26 in hybrid and electric vehicle ownership across all cities in Michigan.

  • Rank within state: #26
  • Percent of drivers in Detroit with a hybrid/electric vehicle: 0.44%

FAQs - Detroit, MI Car Insurance

Can the car insurance quote I got online change?

Whenever you get an insurance quote online (or in person from an agent), there’s always a chance that the number can change. This is because there is a step that happens in the background called underwriting. This is the step that insurance companies take to compare the information you gave them against the information that exists on your driving record. They then assign or confirm the rate that they are comfortable offering you. In Michigan, the insurance company has 60 days to do this. Within these same 60 days, they also have the right to refuse or cancel your coverage. So yes, insurance numbers can change and is why it’s very important to answer any insurance questions that you are asked as correctly as possible.

What is a surcharge?

While your insurance premium is the bill you pay monthly for insurance, insurance surcharges are the extra charges that appear because of accidents and other driving violations. These surcharges will eventually go away with an improved driving record, but it’s up to the individual insurance company as to how much these surcharges are and when they are removed. Most insurance companies remove surcharges after three years. Asking to see a company’s surcharge schedule can help with insurance shopping to determine if a lower rate is really as good a deal as you may think—if you’re good with numbers.

How much personal injury protection (PIP) do I have to have in Michigan?

On July 1, 2020, the laws surrounding the amount of personal injury protection that you need in Michigan changed. You used to have to purchase unlimited lifetime medical benefits for personal injury protection, which paid your medical expenses for life but made for some expensive insurance. In an effort to reduce insurance rates, you now have a choice of how much PIP you want to carry—from a $50,000 limit in coverage per person per accident to a $500,000 limit. You can also opt out of PIP coverage if you want to, beginning with this new law.

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.