Compare Dearborn, MI Car Insurance Rates (2021)

Car insurance in Dearborn, MI averages $1,743 a month. Dearborn, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Dearborn car insurance rates, compare quotes from the top car insurance companies in Dearborn, MI.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Dearborn, MI are $20,921/year
  • The cheapest car insurance company in Dearborn is USAA
  • The cheapest car insurance company in Dearborn for teen drivers is USAA

If you need to buy Dearborn, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Dearborn, MI is right here.

You’ll find Dearborn car insurance rates, the cheapest Dearborn, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Dearborn, Michigan car insurance rates to Lansing car insurance rates, Troy car insurance rates, and Warren car insurance rates.

Ready to find affordable Dearborn, MI car insurance today? Enter your ZIP code for fast, free Dearborn car insurance quotes.

Cheapest Dearborn, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Dearborn, MI car insurance rates? Every Dearborn, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Dearborn, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $25,667 $25,667 $23,981 $23,981 $61,483 $61,483 $26,998 $26,998
Farmers $33,673 $33,673 $31,021 $31,021 $72,736 $72,736 $38,054 $38,054
GEICO $9,186 $9,186 $9,324 $9,324 $23,178 $23,178 $8,709 $8,709
Liberty Mutual $21,267 $21,267 $21,056 $21,056 $49,979 $49,979 $21,267 $21,267
Nationwide $7,860 $7,860 $6,917 $6,917 $21,490 $21,490 $8,661 $8,661
Progressive $4,697 $4,305 $4,112 $4,682 $17,159 $18,059 $5,482 $4,935
State Farm $14,411 $14,411 $13,503 $13,503 $52,168 $52,168 $16,948 $16,948
Travelers $13,925 $13,925 $11,904 $11,904 $42,671 $42,671 $15,164 $15,164
USAA $3,336 $3,143 $3,134 $2,949 $8,199 $7,745 $4,073 $3,887

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Minimum Car Insurance in Dearborn, MI

Every driver must carry the minimum car insurance in Dearborn, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Dearborn, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Dearborn, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Dearborn, MI. Compare credit history car insurance rates in Dearborn from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Dearborn, Michigan

Insurance Company Poor Fair Good
Allstate $52,879 $29,022 $21,696
Farmers $65,447 $34,324 $31,842
GEICO $16,268 $11,896 $9,633
Liberty Mutual $44,969 $25,931 $14,277
Nationwide $14,200 $10,570 $8,927
Progressive $9,235 $7,696 $6,856
State Farm $39,504 $19,862 $13,407
Travelers $21,448 $20,784 $20,515
USAA $6,868 $3,882 $2,925

Cheapest Dearborn, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Dearborn, MI to rates for a clean record with top companies.

Annual Dearborn, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $16,697 $22,425 $75,569 $23,438
Farmers $36,584 $47,199 $46,359 $45,341
GEICO $4,426 $9,318 $28,488 $8,165
Liberty Mutual $19,637 $23,866 $44,779 $25,287
Nationwide $9,551 $12,857 $11,701 $10,820
Progressive $6,640 $8,876 $7,956 $8,245
State Farm $15,149 $18,317 $40,495 $23,069
Travelers $14,180 $20,239 $32,444 $16,801
USAA $3,652 $4,578 $6,018 $3,986

Cheapest Dearborn, MI Car Insurance for Teen Drivers

Teen car insurance in Dearborn, MI can be expensive. Take a look at rates from the top car insurance companies in Dearborn for teenagers.

Annual Car Insurance Rates for Teen Drivers in Dearborn, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $61,483 $61,483
Farmers $72,736 $72,736
GEICO $23,178 $23,178
Liberty Mutual $49,979 $49,979
Nationwide $21,490 $21,490
Progressive $17,159 $18,059
State Farm $52,168 $52,168
Travelers $42,671 $42,671
USAA $8,199 $7,745

Cheapest Dearborn, MI Car Insurance for Seniors

Take a look at Dearborn, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Dearborn, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $23,981 $23,981
Farmers $31,021 $31,021
GEICO $9,324 $9,324
Liberty Mutual $21,056 $21,056
Nationwide $6,917 $6,917
Progressive $4,112 $4,682
State Farm $13,503 $13,503
Travelers $11,904 $11,904
USAA $3,134 $2,949

Cheapest Dearborn, MI Car Insurance Rates After a DUI

A DUI in Dearborn, MI increases car insurance rates. Compare Dearborn, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Dearborn, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $75,569
Farmers $46,359
GEICO $28,488
Liberty Mutual $44,779
Nationwide $11,701
Progressive $7,956
State Farm $40,495
Travelers $32,444
USAA $6,018

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Cheapest Dearborn, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Dearborn, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Dearborn, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $34,532 $34,532
Farmers $43,871 $43,871
GEICO $12,304 $12,895
Liberty Mutual $27,416 $29,368
Nationwide $11,232 $11,232
Progressive $7,929 $7,929
State Farm $23,552 $24,963
Travelers $20,793 $21,039
USAA $4,505 $4,612

Cheapest Dearborn, MI Car Insurance Rates by ZIP Code

Dearborn car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Dearborn, MI.

Annual Car Insurance Rates by ZIP Code in Dearborn, Michigan

ZIP Code Average Annual Rates
48120 $18,100
48124 $11,110
48126 $19,064
48128 $12,080

The Best Cheap Car Insurance Companies in Dearborn, MI

Take a look at a side-by-side comparison of the top car insurance companies in Dearborn, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Dearborn, Michigan

Insurance Company Average Annual Rates
Allstate $34,532
Farmers $43,871
GEICO $12,599
Liberty Mutual $28,392
Nationwide $11,232
Progressive $7,929
State Farm $24,258
Travelers $20,916
USAA $4,558

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Category Winners: Cheapest Car Insurance in Dearborn, Michigan

Find the cheapest car insurance companies in Dearborn, MI for each category right here.

Best Annual Car Insurance Rates by Company in Dearborn, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Dearborn, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Dearborn car insurance rates. Find the cheapest Dearborn, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Dearborn, Michigan

Insurance Company Low Medium High
Allstate $33,659 $34,612 $35,326
Farmers $42,667 $43,752 $45,194
GEICO $11,952 $12,498 $13,347
Liberty Mutual $27,725 $28,326 $29,126
Nationwide $11,794 $11,031 $10,871
Progressive $7,683 $7,937 $8,168
State Farm $22,777 $24,441 $25,555
Travelers $20,760 $20,934 $21,054
USAA $4,421 $4,571 $4,683

What affects car insurance rates in Dearborn, Michigan?

What factors can have an impact on Dearborn, MI car insurance? There are several reasons why Dearborn car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Dearborn, Michigan.

Car Theft in Dearborn

High levels of vehicle theft can make car insurance more expensive. Dearborn, MI car theft statistics from the FBI indicate 200 vehicle thefts a year.

Commute Time in Dearborn

The more time you spend in your car the higher the risk of an accident. The average commute length in Dearborn, MI is 20.6 minutes according to City-Data.

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Compare Car Insurance Quotes in Dearborn, MI

Ready to find affordable Dearborn, Michigan car insurance today? Enter your ZIP code for fast, free Dearborn, MI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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