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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.
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.
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.
| Cheapest Companies | |
|---|---|
 Liberty Mutual | $520/mo |
| Best Companies | ||
|---|---|---|
 American Family | $840/mo | |
Liberty Mutual | $651/mo |
Michigan Cities | |
|---|---|
| Grand Rapids | $241/mo |
| Warren | $338/mo |
| Sterling Heights | $399/mo |
| Ann Arbor | $678/mo |
| Detroit | $520/mo |
| Michigan | $435/mo |
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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.
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.
| Driver's Age | |
|---|---|
| teens | $886 |
| 20s | $587 |
| 30s | $602 |
| 40s | $544 |
| 50s | $583 |
| 60s | $590 |
| 70s | $680 |
| 80s | $710 |
| Driving History | |
|---|---|
| No Violation | $586 |
| Speeding Ticket | $680 |
| At-Fault Accident | $424 |
| Failure to Stop for Red Light / Stop Sign | $367 |
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.
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.
| Credit Tie | |
|---|---|
| Excellent | $532 |
| Good | $693 |
| Average | $630 |
| Poor | $589 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
