Cheap Auto Insurance Quotes in Detroit, MI (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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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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

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Detroit, MI Driving Facts

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.

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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.

Driver's AgeAvg. Monthly Cost
teens$886
20s$587
30s$602
40s$544
50s$583
60s$590
70s$680
80s$710
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$532
Good$693
Average$630
Poor$589

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Detroit stacks up for the state of Michigan:

chevrolet
Chevrolet Malibu
Most Popular Car in
Detroit, MI
suspended licenses
#4
Cities with Most
Suspended Licenses Rank
Most Patriotic City

Most Patriotic City

Detroit

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Muskegon won Insurify's Most Patriotic Cities Award for the state of Michigan. The city holds an annual Veterans Job Fair that attracts former service people from across the state.


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.