Cheap Auto Insurance Quotes in Detroit, MI (October 2022)

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.

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• Cheap Car Insurance Michigan

• Compare Car Insurance

Cheapest Car Insurance in Detroit, MI

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies that offer car insurance in Detroit. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Michigan

All motor vehicles operated or parked on Michigan roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

Michigan’s unique No Fault insurance program includes multiple levels of protection available depending on residents’ Medicare or Medicaid status and the insurance status of relatives.

The minimum required insurance levels for Michigan^[1] are:

• $50,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $1,000,000 per accident for PPI

Property protection insurance, referred to as PPI coverage, is a type of coverage unique to Michigan. It acts similarly to traditional property damage insurance, but only applies to property damaged in accidents that occur within the state of Michigan.

The minimum liability insurance requirements for private passenger vehicles in Michigan are:

• $250,000 per person for bodily injury

• $500,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Michigan is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. In Michigan, this coverage only applies to out-of-state accidents.

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.

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.

See More:

• High-risk Car Insurance Michigan

• DUI Car Insurance Michigan

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.

See More: Bad Credit Car Insurance Michigan

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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.

For more detailed Michigan city level guides, check out these below.

• Average Cost of Car Insurance Rates in Michigan

• DUI Car Insurance Rates in Michigan

• High-Risk Driver Car Insurance Rates in Michigan

• Michigan Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Michigan

• SR-22 Insurance in Michigan

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.

FAQs - Detroit, MI Car Insurance