8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Cheapest recent rates near Detroit, Michigan
Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $93/mo for full coverage in Detroit and other Michigan cities.
*Quotes generated for Insurify users in and around Detroit, Michigan within the last 10 days. Last updated on May 15, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 15, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Detroit, Michigan within the last 10 days. Last updated on May 15, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 15, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
On average, Detroit drivers pay $377 per month for car insurance. By comparison, the Michigan state average is $262 per month. At the national level, drivers pay a monthly average of $159.
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]
Quick Facts
Auto-Owners offers the cheapest liability insurance rates in Detroit.
Insurers in Michigan can’t consider your credit history when setting rates.
Teen drivers pay an average of $558 per month for full coverage.
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 quotesbefore buying a policy.
Below are some of the cheapest car insurance companies in Detroit.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$93/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.
$156/mo
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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$94/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.
$158/mo
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
I recently sold my Lexus and attempted to remove it from my insurance policy. I was told that I first had to surrender the plates and registration, which I had already done in compliance with Florida law. I believe this should reduce my monthly insurance payment.
Herb - May 14, 2024
Verified
Frustration
It's hard to get them to access my accounts - it's also difficult to set up passwords.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$142/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.
$238/mo
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
My rate increased from $50 in Mississippi to $180 in Texas. This is outrageous!
William - May 15, 2024
Verified
Not the Cheapest, But Worth Every Dime
You can drop AAA if you have it. They cover emergency road assistance as well as glass replacement.
Nancy - May 15, 2024
Verified
Good for Claims, Unsatisfactory for Price
The price keeps changing without any notice or explanation.
…
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 $93 per month.
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
93
USAA
94
Chubb
101
Safeco
117
GEICO
142
Progressive
179
Nationwide
189
State Farm
193
Direct Auto
211
Travelers
224
Liberty Mutual
226
Bristol West
259
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $156 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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
156
USAA
158
Chubb
170
Safeco
207
GEICO
238
Progressive
263
Nationwide
317
State Farm
322
Travelers
374
Liberty Mutual
401
Direct Auto
432
Bristol West
445
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Auto-Owners
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 $504 for full coverage and $411 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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
185
110
USAA
187
111
Chubb
204
121
Safeco
249
141
GEICO
282
168
Progressive
313
213
Nationwide
379
226
State Farm
379
227
Travelers
447
268
Direct Auto
519
254
Bristol West
522
304
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $522 for full coverage and $425 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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
193
115
USAA
196
117
Chubb
212
126
Safeco
248
140
GEICO
296
177
Progressive
333
227
Nationwide
397
237
State Farm
398
239
Travelers
468
280
Bristol West
543
316
Direct Auto
551
269
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $605, while liability coverage averages $493 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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
244
145
USAA
247
147
Chubb
266
158
Safeco
324
183
GEICO
372
222
Progressive
411
280
Nationwide
496
296
State Farm
504
302
Travelers
585
350
Direct Auto
676
330
Bristol West
696
405
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $369 for full-coverage car insurance and $301 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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
127
76
Chubb
130
77
USAA
130
77
Safeco
173
98
GEICO
196
117
Progressive
197
134
Nationwide
246
147
State Farm
258
155
Travelers
304
182
Direct Auto
344
168
Bristol West
369
215
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: USAA
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 $455 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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
USAA
226
134
Auto-Owners
233
139
Chubb
273
162
GEICO
319
191
Safeco
388
220
Progressive
416
283
Nationwide
468
279
State Farm
471
282
Travelers
586
351
Bristol West
655
381
Direct Auto
690
337
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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 $416 for full coverage and $339 for liability-only coverage, according to Insurify data. Nationwide, the average monthly premiums are $214 for full coverage and $104 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 $377, compared to Flint’s average rate of $310. The following table shows average monthly car insurance costs in other Michigan cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Detroit car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Detroit.
How much is car insurance in Detroit?
The total average cost of car insurance per month in Detroit is $377. Detroit drivers pay an average of $416 per month for full-coverage insurance and $339 per month for liability coverage. Your exact rate will depend on your insurer, age, driving record, vehicle type, chosen coverage level, and more.
What are the best car insurance companies in Detroit?
Auto-Owners is the best car insurance company in Detroit, with an Insurify Quality (IQ) Score of 4.3 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Detroit choices include USAA and GEICO.
Which companies offer the cheapest car insurance in Detroit?
Auto-Owners is the cheapest insurer for Detroit drivers, with liability-only policies starting at $93 per month. USAA and Chubb are the second- and third-cheapest insurance companies in Detroit, with monthly liability rates as low as $94 and $101, respectively.
How do credit scores affect car insurance in Detroit?
Insurance companies are no longer allowed to use credit information as a rating factor in Michigan, so credit no longer affects car insurance rates in Detroit.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.