Cheap Auto Insurance Quotes in Detroit, MI (2023)

USAA, GEICO, and Safeco offer the cheapest rates for full-coverage car insurance in Detroit.

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Amy Beardsley
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Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
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Courtney Mikulski
Courtney Mikulski
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Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 19, 2023

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Amy Beardsley
Written by
Amy Beardsley
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Written by
Amy Beardsley
Insurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
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Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 19, 2023

Michigan is the most expensive state for car insurance, according to Insurify’s 2022 Auto Trends Insurance Report. So in Detroit, where the average monthly car insurance premium is $446 — $93 more than the state average — drivers pay some of the highest insurance rates in the country.

Various factors can influence your premiums, including which company you buy your policy through. Here’s a closer look at the cost of car insurance in Detroit and the information you need to compare rates and make an informed decision about your car insurance coverage.

How much does car insurance cost in Detroit?

According to the latest Insurify data, the average cost of liability-only Detroit car insurance is $446 per month. However, it’s important to note that insurance costs can vary, and it’s always a good idea to compare quotes from multiple companies to find the best monthly cost for your coverage needs.

“To have a firm understanding of the insurance rating system, we have to go back to the beginning; insurance rates are based on … statistics,” says Ashley Jantovsky, insurance agent and founder of Perfect Price Insurance Agency in the Detroit suburb of Livonia, Michigan.

Your individual Detroit car insurance costs will vary based on your statistical likelihood of filing a claim. For people who drive in Detroit, costs may be higher because more claims are filed in that area.

“In order to saturate the loss ratio and remain profitable in some higher-claim areas like Detroit, [insurers] must spread the higher premiums across neighboring consumers,” explains Jantovsky.

Insurify data scientists analyzed the latest insurance rates in Detroit to help you find an insurance policy that fits your budget and meets your needs:

  • USAA has the cheapest liability-only coverage in Detroit.

  • USAA also has the cheapest full-coverage policy in Detroit.

  • Safeco has the cheapest insurance for new and young drivers in Detroit.

Check Out: Cheap Car Insurance in Michigan

Cheapest car insurance in Detroit: USAA

USAA earned the top spot as the cheapest car insurance provider in Detroit. The company has the lowest average cost for liability-only and full-coverage policies. It’s important to note, however, that USAA only serves members of the military, veterans, and their families. So if you don’t fit into one of those categories, you won’t be able to buy car insurance from the company.

Various factors can affect your rates, such as your age, vehicle make and model, driving history, ZIP code, and chosen coverage amounts.[1]

Insurance CompanyLiability OnlyFull Coverage
USAA$144$268
GEICO$233$405
Safeco$237$452
State Farm$317$549
USA Underwriters$353$1,099
Bristol West$457$793
Liberty Mutual$593$849
Farmers$1,017$1,765
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average cost of auto insurance in Detroit

While coverage level, insurance riders and add-ons, and other factors influence the cost, the average rate among top insurers in Detroit ranges from $206 to $1,391.

Insurance CompanyAverage Monthly Quote
USAA$206
GEICO$319
Safeco$344
State Farm$433
Bristol West$625
Liberty Mutual$721
USA Underwriters$726
Farmers$1,391
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average car insurance premiums in Detroit by marital status

The average monthly cost of car insurance for a single person in Detroit is $647, and it’s $614 for married drivers. While it’s usually a factor in the cost of car insurance, Michigan law doesn’t allow insurance companies to use marital status when setting rates.[2] However, married couples who live at the same residence may insure multiple cars under one policy and get a potential multi-car discount on their insurance rates.

How much car insurance do you need in Detroit?

If you own a car in Detroit, state law requires you to have auto insurance coverage. Under Michigan’s new auto no-fault legislation, effective July 1, 2020, drivers must purchase personal injury protection (PIP), property protection (PPI), and bodily injury and property damage liability (BI/PD).[3] The state’s minimum insurance requirements have three parts:

A PIP policy covers your medical expenses and those of your passengers in the event of an accident. Coverage options include:

  • $500,000 per person per accident

  • $250,000 per person per accident

  • $250,000 per person per accident, if someone on the policy has health insurance that’s not Medicare

  • $50,000 per person per accident, if everyone on the policy has health insurance or is covered by another policy with PIP, and the named insured is enrolled in Medicaid

  • No medical PIP coverage, if the named insured has Medicare Parts A and B, and all others on the policy are covered by health insurance or another auto policy with PIP medical coverage[3]

A PPI policy covers damage to another person’s property, but it won’t cover any other damage to your vehicle. And it only applies to accidents in Michigan. Your policy must cover up to $1 million.

Michigan is a no-fault state, which limits car accident lawsuits. For that reason, BI/PD coverage pays for damages you’re found liable for. Detroit drivers must have coverage that includes:

  • $20,000 per person for bodily injury

  • $40,000 per accident for bodily injury

  • $10,000 for property damage in another state[4]

Whenever you drive in Michigan, make sure you carry your proof of insurance in your car at all times. You must be ready to show it when requested by law enforcement or when registering your car.

Michigan DMV information

In Michigan, the Secretary of State Office manages the state’s Department of Motor Vehicles (DMV). You can renew your driver’s license, update your address, check the availability of personalized plates, and perform many other services online.

If you prefer in-person services, offices are available in many locations throughout the state and are generally open Monday through Friday, from 9 a.m. to 5 p.m.

Tips for getting cheap car insurance in Detroit

Detroit drivers pay rates higher than the state average for car insurance coverage. But it’s possible to reduce Detroit car insurance premiums in a few ways:

  • Bundle your car insurance with other types of insurance, such as renters insurance or homeowners insurance in Detroit.

  • Look for discounts, such as a good driver discount, a multi-car discount, or a discount for having safety features on your vehicle.

  • Consider raising your deductible. A higher deductible can lower your premiums, but it also means you’ll be responsible for paying more if you file a claim.

  • Purchase only the coverage you need. If you have an older car, for example, you may not need comprehensive and collision coverage.[5]

  • Participate in telematics programs. Jantovsky notes telematics programs “monitor your driving and come with a preliminary discount just for enrolling. Having your driving data reported to the [insurer] takes a lot of guesswork out of the rates,” she continues. “They will know that you are a safe driver because you’ll be delivering them proof on a silver platter.”

Overall, the best tip for getting cheap car insurance in Detroit is to compare rates and quotes with multiple companies and consider all your options. Comparing quotes will help you find the coverage that fits your budget and needs.

Read More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Detroit

Insurance companies often use age as a rating factor in the cost of car insurance. Research has shown that a lack of maturity and driving experience leads to a higher risk of crashes. This higher risk leads to higher premiums on average than for older, experienced drivers.[6]

Age GroupAverage Monthly Rate
Teenagers$1,582
Under 25$1,163
25–29$1,012
30s$846
40s$928
50s$762
60s$687
70s$523
80+$558
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Read More: Compare Car Insurance by Age and Gender

Cheapest car insurance for young drivers in Detroit

If you’re a young driver in Detroit, Safeco offers the cheapest car insurance for a full-coverage policy, at an average of $384 a month. Teens and their parents may be able to reduce their car insurance costs by maintaining good grades, asking about good student discounts, and taking defensive driver courses.[5]

Insurance CompanyAverage Monthly Quote
Safeco$384
Progressive$543
State Auto$586
Bristol West$1,041
Liberty Mutual$1,112
Midvale Home & Auto$1,163
USA Underwriters$1,236
Everest National$1,981
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for middle-aged drivers in Detroit

Safeco is also the cheapest full-coverage car insurance provider for middle-aged drivers in Detroit, with an average monthly quote of $443. To help lower your premiums as you gain more experience behind the wheel, maintain a clean driving record, and ask about bundling discounts to combine homeowners or renters insurance with your auto coverage.[5]

Insurance CompanyAverage Monthly Quote
Safeco$443
Progressive$510
State Auto$609
Bristol West$796
Liberty Mutual$844
Midvale Home & Auto$972
USA Underwriters$1,040
Everest National$1,318
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for senior drivers in Detroit

Seniors who want a full-coverage policy can find the cheapest insurance with Safeco, at an average monthly cost of $375. Joining an affinity group like AARP, bundling policies, maintaining a clean driving record, and enrolling in a defensive driving course can help seniors save money on car insurance.[5]

Insurance CompanyAverage Monthly Quote
Safeco$375
Progressive$415
Everest National$492
Bristol West$525
Liberty Mutual$680
Midvale Home & Auto$875
USA Underwriters$934
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

See More: The Best Car Insurance Companies for Seniors

How credit scores affect cheap car insurance in Detroit

Credit score is one of many factors that typically affect car insurance rates. “Statistically, consumers with better credit are less likely to file claims; [they] pay their premiums on time and cost the [insurer] less overall, so these consumers are ‘rewarded’ with a lower premium,” says Jantovsky.

However, Michigan is one of a handful of states that prohibit insurance companies from using credit to determine rates. Additionally, insurers aren’t allowed to reject a new application, cancel a policy or non-renew a car insurance policy because of your credit.NE 

The table below shows average rates for Detroit drivers based on their credit score ranges.

Credit TierAverage Monthly Quote
Excellent$740
Good$870
Fair$956
Poor$1,482
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Detroit

A variety of factors determine car insurance rates, including driving habits. Insurance companies use your driving record to assess the risk of insuring you. If you engage in risky behaviors, like speeding or distracted driving, you’re considered a higher risk and may pay higher premiums.[1]

Cheapest car insurance with a clean record in Detroit: USAA

A clean driving record means you don’t have any traffic violations or accidents. It’s a positive indicator that you’re a responsible driver with good driving habits. Maintaining a clean driving record can help you get the best car insurance rates and avoid potential premium increases.

Insurance CompanyClean Record
USAA$268
GEICO$405
Safeco$452
State Farm$549
Bristol West$793
Liberty Mutual$849
USA Underwriters$1,099
Farmers$1,765
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance with an accident in Detroit: USAA

Car accidents can affect car insurance rates. Your insurance company may increase your premiums if you’re at fault in a car accident. It’s important to drive safely and defensively to avoid car accidents and minimize the impact on your car insurance cost.[1]

Insurance CompanyClean RecordAt-Fault AccidentDifference
USAA$268$385$117
GEICO$405$581$176
Safeco$452$648$196
State Farm$549$787$238
Bristol West$793$1,136$343
Liberty Mutual$849$1,217$368
USA Underwriters$1,099$1,575$476
Farmers$1,765$2,531$766
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance with a DUI in Detroit: USAA

A DUI (driving under the influence) is a serious offense with severe consequences, including fines, imprisonment, and the loss of driving privileges. Insurance companies consider drivers with DUIs high-risk and may increase their premiums. In some cases, insurance companies may cancel a driver’s policy after a DUI conviction.[7]

Insurance CompanyClean RecordDUIDifference
USAA$268$534$266
GEICO$405$806$401
Safeco$452$899$447
State Farm$549$1,092$543
Bristol West$793$1,577$784
Liberty Mutual$849$1,689$840
USA Underwriters$1,099$2,186$1,087
Farmers$1,765$3,512$1,747
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance with a speeding ticket in Detroit: USAA

Speeding tickets can carry fines and other penalties and may add points to your driving record. You may see an increase in your car insurance rate if you have a history of speeding tickets and other traffic violations.[1] In addition to the cost of paying the ticket itself, consider the potential impact of driving too fast on your car insurance rates.

Insurance CompanyClean RecordSpeeding TicketDifference
USAA$268$360$92
GEICO$405$544$139
Safeco$452$607$155
State Farm$549$737$188
Bristol West$793$1,064$271
Liberty Mutual$849$1,140$291
USA Underwriters$1,099$1,475$376
Farmers$1,765$2,370$605
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance in other Michigan cities

Here’s a look at car insurance rates in some other Michigan cities:

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
View more

Detroit car insurance FAQs

Here are some answers to commonly asked questions about car insurance rates in Detroit.

  • Drivers pay an average of $446 each month for car insurance in Detroit. The amount is slightly higher than the state average of $353.

  • Michigan car insurance is more expensive than car insurance nationally for a few reasons. The state has the second-highest rate of uninsured drivers, according to the Insurance Information Institute.[8] Motorists must also meet higher minimum insurance requirements, including certain PIP coverage, that can drive rates up.

  • USAA, GEICO, and Safeco offer the lowest premiums for Detroit motorists. USAA has the cheapest liability-only and full-coverage policies, while Safeco ranks for the cheapest coverage for new and young drivers.

  • USAA ($144), GEICO ($233), and State Farm ($317) have some of the lowest rates in the state. 

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. III. "What determines the price of an auto insurance policy?." Accessed January 12, 2023
  2. Department of Insurance and Financial Services. "Michigan's New Auto Insurance Law." Accessed January 12, 2023
  3. Michigan.gov. "Frequently Asked Questions." Accessed January 11, 2023
  4. Michigan.gov. "Purchasing Auto Insurance FAQ." Accessed January 18, 2023
  5. III. "Nine ways to lower your auto insurance costs." Accessed January 11, 2023
  6. III. "Safety tips for teen drivers." Accessed January 11, 2023
  7. III. "Do auto insurance premiums go up after a claim?." Accessed January 12, 2023
  8. III. "Facts + Statistics: Uninsured motorists." Accessed January 12, 2023
Amy Beardsley
Written by
Amy Beardsley
Linkedin

Insurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Learn More
Courtney Mikulski
Edited by
Courtney Mikulski

Senior Editor

Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.