Cheapest Auto Insurance in Detroit, Michigan (2025)

On average, Detroit drivers pay $363 per month for car insurance. By comparison, the Michigan state average is $207 per month. At the national level, drivers pay a monthly average of $151.

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]

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

bundling

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User Reviews	3.9 119 reviews
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.	8.5 /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.	$95/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.	$172/mo

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Driver Reviews

3.9

A solid optionBased on 199 verified guest 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 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 For

Cheap rates

Senior drivers

Ample discounts

Reviews (119)

Roy

June 5, 2025

Verified Review

I don't have anything to add

Good company, but I didn't care for their premiums going up this year just for liability and roadside service.

Ann

June 1, 2025

Verified Review

Satisfaction

I like paying all at one time.

Jason

May 8, 2025

Verified Review

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

837

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.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

military families

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User Reviews	4.9 1,190 reviews
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.	9.4 /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.	$96/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.	$174/mo

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Driver Reviews

4.9

Best choiceBased on 2,090 verified guest 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 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 For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,190)

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.

Norman

June 7, 2025

Verified Review

USAA Value

Expensive for coverage.

Cornelius

June 2, 2025

Verified Review

Good

Good, but expensive.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

880

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.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

discounts

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User Reviews	4.0 6,421 reviews
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 /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.	$145/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.	$262/mo

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Driver Reviews

4.0

Best choiceBased on 11,939 verified guest 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 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 For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,421)

William

June 10, 2025

Verified Review

There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.

There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.

Peter

June 8, 2025

Verified Review

Average Insurance. Constant Price Hikes.

Beware of the constant price hikes despite having no accidents or tickets for 40 years.

Philip

June 5, 2025

Verified Review

High Price for Full Coverage

They are good but offer no rate deductions.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

835

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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

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: Auto-Owners

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 Auto-Owners, with a cost of $95 per month.

The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$95
USAA	$96
Chubb	$104
GEICO	$145
Safeco	$169
Progressive	$186
Nationwide	$194
State Farm	$197
Travelers	$229
Direct Auto	$232

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $172 per month.

The table below shows the insurance companies offering the cheapest full-coverage policies in Detroit.

The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$172
USAA	$174
Chubb	$188
GEICO	$262
Progressive	$278
Safeco	$283
Nationwide	$350
State Farm	$357
Travelers	$414
Direct Auto	$472

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 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 $452 for full coverage and $376 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 are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
USAA	$205	$113
Auto-Owners	$206	$114
Chubb	$222	$123
GEICO	$299	$166
Progressive	$329	$220
Safeco	$344	$205
State Farm	$416	$230
Nationwide	$416	$231
Travelers	$493	$273
Direct Auto	$560	$275

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 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 $377 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 are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	$208	$115
USAA	$210	$116
Chubb	$226	$125
GEICO	$300	$166
Progressive	$345	$231
Safeco	$361	$215
Nationwide	$426	$236
State Farm	$427	$235
Travelers	$503	$278
Direct Auto	$587	$289

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 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 $533, while liability coverage averages $443 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 are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	$254	$140
USAA	$257	$142
Chubb	$277	$153
GEICO	$353	$195
Progressive	$410	$274
Safeco	$417	$249
Nationwide	$517	$286
State Farm	$527	$291
Travelers	$611	$338
Direct Auto	$697	$342

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 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 $349 for full-coverage car insurance and $290 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 are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	$141	$78
Chubb	$142	$79
USAA	$143	$79
Progressive	$207	$138
GEICO	$231	$128
Safeco	$249	$149
Nationwide	$269	$149
State Farm	$284	$157
Travelers	$332	$183
Direct Auto	$377	$185

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 teens: Auto-Owners

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 $468 per month for a liability policy. The following table illustrates what top insurers charge teen drivers in Detroit.

The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	$268	$148
USAA	$279	$154
Chubb	$355	$196
GEICO	$373	$206
Progressive	$452	$302
Safeco	$522	$312
State Farm	$592	$327
Nationwide	$595	$330
Travelers	$718	$397
Direct Auto	$829	$407

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $396 for full coverage and $329 for liability-only coverage, according to Insurify data. Nationwide, the average monthly premiums are $195 for full coverage and $107 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 $363, compared to Flint’s average rate of $237. The following table shows average monthly car insurance costs in other Michigan cities.

City	Average Monthly Quote
Ann Arbor	$206
Dearborn	$439
Flint	$237
Grand Rapids	$202
Kalamazoo	$220
Lansing	$199
Rochester	$237
Warren	$276

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Detroit car insurance FAQs