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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.
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 | Quotes |
|---|---|
 Liberty Mutual | $520/mo |
| Best Companies | Quotes | |
|---|---|---|
 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 | Avg. Monthly Cost |
|---|---|
| teens | $886 |
| 20s | $587 |
| 30s | $602 |
| 40s | $544 |
| 50s | $583 |
| 60s | $590 |
| 70s | $680 |
| 80s | $710 |
| Driving History | Avg. Monthly Cost |
|---|---|
| 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 | Avg. Monthly Cost |
|---|---|
| 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.
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:
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.
