Compare Detroit, MI Car Insurance Rates (2021)

Car insurance in Detroit, MI averages $2,192 a month. Detroit, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Detroit car insurance rates, compare quotes from the top car insurance companies in Detroit, 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

  • The cheapest car insurance company in Detroit is USAA
  • The cheapest car insurance company in Detroit for teen drivers is USAA
  • Average car insurance rates in Detroit, MI are $26,301/year

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

You’ll find Detroit car insurance rates, the cheapest Detroit, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Detroit, Michigan car insurance rates to Sterling Heights car insurance rates, Lansing car insurance rates, and Ann Arbor car insurance rates.

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

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

How do age, gender, and marital status affect Detroit, MI car insurance rates? Every Detroit, 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 Detroit, 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 $33,006 $33,006 $30,774 $30,774 $78,932 $78,932 $34,732 $34,732
Farmers $37,680 $37,680 $34,760 $34,760 $78,647 $78,647 $42,457 $42,457
GEICO $10,972 $10,972 $11,066 $11,066 $27,194 $27,194 $10,401 $10,401
Liberty Mutual $31,192 $31,192 $30,873 $30,873 $74,758 $74,758 $31,192 $31,192
Nationwide $10,252 $10,252 $9,005 $9,005 $27,953 $27,953 $11,293 $11,293
Progressive $5,872 $5,372 $5,112 $5,862 $21,050 $22,029 $6,866 $6,140
State Farm $19,539 $19,539 $18,277 $18,277 $70,156 $70,156 $22,947 $22,947
Travelers $16,072 $16,072 $13,702 $13,702 $49,505 $49,505 $17,504 $17,504
USAA $4,188 $3,934 $3,929 $3,692 $10,284 $9,677 $5,119 $4,872

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Minimum Car Insurance in Detroit, MI

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

Minimum Required Car Insurance Coverage in Detroit, 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 Detroit, MI Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Detroit, Michigan

Insurance Company Poor Fair Good
Allstate $67,997 $37,212 $27,873
Farmers $72,893 $37,520 $34,745
GEICO $19,261 $14,074 $11,390
Liberty Mutual $66,600 $38,352 $21,059
Nationwide $18,568 $13,739 $11,571
Progressive $11,463 $9,491 $8,409
State Farm $53,362 $26,782 $18,046
Travelers $24,800 $24,046 $23,741
USAA $8,654 $4,854 $3,627

Cheapest Detroit, 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 Detroit, MI to rates for a clean record with top companies.

Annual Detroit, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $21,899 $29,245 $95,941 $30,358
Farmers $40,442 $51,998 $51,147 $49,957
GEICO $5,301 $11,020 $33,607 $9,706
Liberty Mutual $29,768 $35,591 $64,799 $37,857
Nationwide $12,405 $16,758 $15,255 $14,086
Progressive $8,158 $10,964 $9,835 $10,194
State Farm $20,605 $24,822 $54,344 $31,148
Travelers $16,231 $23,353 $37,955 $19,244
USAA $4,563 $5,736 $7,562 $4,986

Cheapest Detroit, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Detroit, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $78,932 $78,932
Farmers $78,647 $78,647
GEICO $27,194 $27,194
Liberty Mutual $74,758 $74,758
Nationwide $27,953 $27,953
Progressive $21,050 $22,029
State Farm $70,156 $70,156
Travelers $49,505 $49,505
USAA $10,284 $9,677

Cheapest Detroit, MI Car Insurance for Seniors

Take a look at Detroit, 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 Detroit, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $30,774 $30,774
Farmers $34,760 $34,760
GEICO $11,066 $11,066
Liberty Mutual $30,873 $30,873
Nationwide $9,005 $9,005
Progressive $5,112 $5,862
State Farm $18,277 $18,277
Travelers $13,702 $13,702
USAA $3,929 $3,692

Cheapest Detroit, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Detroit, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $95,941
Farmers $51,147
GEICO $33,607
Liberty Mutual $64,799
Nationwide $15,255
Progressive $9,835
State Farm $54,344
Travelers $37,955
USAA $7,562

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Cheapest Detroit, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Detroit, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $44,361 $44,361
Farmers $48,386 $48,386
GEICO $14,552 $15,265
Liberty Mutual $40,523 $43,485
Nationwide $14,626 $14,626
Progressive $9,788 $9,788
State Farm $31,757 $33,703
Travelers $24,054 $24,337
USAA $5,643 $5,780

Cheapest Detroit, MI Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Detroit, Michigan

ZIP Code Average Annual Rates
48201 $21,306
48202 $20,412
48203 $19,059
48204 $20,743
48205 $19,542
48206 $21,023
48207 $19,249
48208 $19,659
48209 $18,955
48210 $20,131
48211 $19,654
48212 $19,028
48213 $19,875
48214 $18,721
48215 $19,798
48216 $19,923
48217 $16,349
48219 $18,366
48221 $18,344
48223 $18,522
48224 $19,129
48226 $19,656
48227 $20,798
48228 $19,969
48233 $16,815
48234 $18,762
48235 $18,767
48236 $11,437
48238 $19,763
48239 $12,437
48242 $11,642
48243 $17,735

The Best Cheap Car Insurance Companies in Detroit, MI

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

Average Annual Car Insurance Rates by Company in Detroit, Michigan

Insurance Company Average Annual Rates
Allstate $44,361
Farmers $48,386
GEICO $14,908
Liberty Mutual $42,004
Nationwide $14,626
Progressive $9,788
State Farm $32,730
Travelers $24,196
USAA $5,712

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Category Winners: Cheapest Car Insurance in Detroit, Michigan

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

Best Annual Car Insurance Rates by Company in Detroit, 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 Detroit, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Detroit, Michigan

Insurance Company Low Medium High
Allstate $43,099 $44,478 $45,505
Farmers $47,030 $48,251 $49,877
GEICO $14,171 $14,793 $15,761
Liberty Mutual $41,188 $41,922 $42,901
Nationwide $15,405 $14,353 $14,120
Progressive $9,486 $9,797 $10,081
State Farm $30,664 $32,986 $34,539
Travelers $23,963 $24,227 $24,397
USAA $5,543 $5,728 $5,865

What affects car insurance rates in Detroit, Michigan?

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

Car Theft in Detroit

High levels of vehicle theft can make car insurance more expensive. Detroit, MI car theft statistics from the FBI indicate 6,454 vehicle thefts a year.

Commute Time in Detroit

The more time you spend in your car the higher the risk of an accident. The average commute length in Detroit, MI is 25.3 minutes according to City-Data.

Traffic in Detroit

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Detroit, MI traffic data from INRIX ranks Detroit as the 408th-most congested in the world.

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Compare Car Insurance Quotes in Detroit, MI

Ready to find affordable Detroit, Michigan car insurance today? Enter your ZIP code for fast, free Detroit, 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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