The average pace for minimal coverage is $ 5,081 per year, and broad coverage costs a astonishing $ 8,494 annually .
Detroit is one of the most expensive cities in the United States for car indemnity. That makes it the most expensive major city in the U.S. and the third-most dearly-won city of any size in Michigan for car indemnity .
however, drivers can save up to 66 % off the average price of car policy by shopping about for the best price — we found that Progressive has the most affordable rates for most drivers, starting at just $ 1,817 for a minimal policy .
Every driver will find different rates based on their drive history, where they live and what kind of car they drive, so the alone way to guarantee that you ‘re paying the best price for you is to get quotes from several insurers.

Cheapest auto insurance in Detroit: Progressive

The most low-cost option for basic coverage in Detroit is Progressive, which offered our sample distribution driver a wide year of coverage for $ 1,817. That ‘s 64 % cheaper than the average of $ 5,081 across all insurers. Auto-Owners had a comparable price for coverage, at precisely $ 1,853 per class. The absolute lowest rate we found was at USAA — it provided us with a distinctive rate of $ 808 per year. however, USAA is only available to people who ‘ve served in the military and their families .
A chart of the cheapest car insurance companies in Detroit, Michigan.

Compare Car Insurance Rates in Detroit

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Cheapest full coverage car insurance in Detroit: Progressive

For drivers who want or need wide coverage for their car indemnity policy, we recommend Progressive. Its price of $ 2,908 per year was 66 % less than the average of $ 8,494 and $ 1,304 cheaper than the second-most low-cost choice, Auto-Owners .

Rank

Company

Annual rate

1 Progressive $2,908
2 Auto-Owners $4,212
3 Frankenmuth $4,771
4 State Farm $5,370
5 AAA $11,366
6 Hanover $13,303
7 Allstate $23,968
N/A* USAA $2,055

In accession to the basic coverages required by Michigan law, full coverage besides includes comprehensive and collision coverages, which pay for damages to your fomite .

  • Comprehensive coverage:Covers damage to your car from things besides a crash, such as a house fire or theft.
  • Collision coverage: Covers damage that is the result of a crash with another car or any other object such as a building or tree. Pays for damage regardless of who is at fault.

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Cheap car insurance for drivers with prior incidents

policy companies use your driving history to estimate how probably you are to make a claim in the future. unfortunately, if you have an incident in the holocene past, that means you ‘re very likely to pay more for car indemnity. here are our recommendations for low-cost options for drivers who have :

Cheapest car insurance in Detroit after an accident: Progressive

After a crash, we found that rates in Detroit go up by an average of 56 %, to an average of $ 13,274 for a annual full coverage policy .
however, Progressive offered our sample driver a much more low-cost rate of $ 3,794. That ‘s 71 % less than the average .

Rank

Company

Annual rate

1 Progressive $3,794
2 Auto-Owners $4,887
3 Frankenmuth $6,267
4 State Farm $6,376
5 Hanover $21,247
6 AAA $25,870
7 Allstate $34,847
N/A* USAA $2,901

Cheapest car insurance for people with a speeding ticket: Progressive

A accelerate slate tells insurers you ‘re more will to take risks behind the bicycle, so your insurance company is probably to raise rates if you are caught speeding .
We found that car policy rates in Detroit increase by 38 % after a speed ticket .
Progressive had the best price for insurance after a travel rapidly tag — our sample driver got a quotation for equitable $ 3,680 there .

Rank

Company

Annual rate

1 Progressive $3,680
2 Auto-Owners $4,887
3 Frankenmuth $5,253
4 State Farm $6,879
5 Hanover $18,344
6 AAA $25,870
7 Allstate $26,149
N/A* USAA $2,620

Cheapest car insurance for drivers with a DUI: Progressive

Driving while under the influence is a grave misdemeanor, and policy companies tend to raise your rates identical steeply if you ‘re convicted of one. The typical rate we found was $ 29,182 for a full coverage policy after a DUI in Detroit, with one insurance company charging over $ 100,000 for a policy .
however, Progressive has surprisingly low-cost rates for our sample driver, with a distinctive price of just $ 3,444. That ‘s alone 18 % more than what it charged a driver with a blank criminal record. unfortunately, no other widely available insurance company offered us a comparable pace : Auto-Owners gave us a distinctive price of $ 9,779 per annum .

Rank

Company

Annual rate

1 Progressive $3,444
2 Auto-Owners $9,779
3 State Farm $13,416
4 Frankenmuth $21,043
5 Hanover $25,017
6 AAA $44,181
7 Allstate $112,877
N/A* USAA $3,699

Cheapest minimum car insurance for young drivers: Auto-Owners

Younger drivers are typically identical expensive to insure as they do n’t have a batch of commit behind the wheel and tend to have poorer judgment than older drivers. As a solution, we found that the typical 18-year-old can expect to pay about $ 10,580 for state-minimum cable car insurance .
however, Auto-Owners gave our sample driver a much more low-cost monetary value : good $ 3,848 per class. That ‘s 64 % less than the average across all the insurers we looked at .

Rank

Company

Annual rate

1 Auto-Owners $3,848
2 Frankenmuth $6,684
3 Progressive $7,540
4 State Farm $8,703
5 AAA $13,714
6 Hanover $14,571
7 Allstate $28,121
N/A* USAA $1,459

One of the best ways for teens to save on car indemnity is to partake a policy with an older class member, or by taking a driver ‘s department of education class beyond what ‘s required to get your license .

Best auto insurance companies in Detroit, Michigan

Besides finding the cheapest insurance company in Detroit, we recommend looking for insurers with great service, excessively. Among the top companies we looked at in Michigan, Auto-Owners, USAA and State Farm have the best-rated customer service .
Auto-Owners was peculiarly well-liked in our national survey, with 100 % of respondents saying they were “ extremely quenched ” with their most recent claim .
For more on the best cable car indemnity companies in Michigan, take a attend at our full review of Michigan car indemnity .

Average car insurance cost in Detroit, by neighborhood

The price of car policy can vary significantly by location, even within a given city. For example, you might pay more for car indemnity if you live near a busy road or in an area with a fortune of car larceny. There was a 60 % difference in price between the most and least expensive neighborhoods in Detroit .

ZIP code

Minimum coverage annual premium

Full coverage annual premium

48201 $5,111 $8,427
48202 $5,022 $8,336
48203 $5,017 $8,435
48204 $5,213 $8,985
48205 $5,764 $9,247

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Auto theft statistics in Detroit

car larceny is a significant offspring in Detroit. Cars are stolen more frequently in Detroit than any other major city in Michigan, at an average rate of 10.4 thefts per 1,000 people in 2019. That ‘s more than triple the rate in Lansing, which has the second-most larceny of any major Michigan city, and about five times the statewide average of 2.3 thefts per 1,000 people .

Theft rank

City

Population

Motor vehicle thefts in 2019

Thefts per 1,000 people

1 Detroit 663,502 6,886 10.4
2 Lansing 118,953 367 3.1
3 Dearborn 93,902 266 2.8
4 Warren 134,653 356 2.6
5 Grand Rapids 201,799 501 2.5

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Methodology

We collected data from eight of the largest insurers in Michigan. Our sample distribution driver was a 30-year-old man who drove a 2015 Honda Civic EX. Unless otherwise stated, the driver had poor credit and received rates for a minimum coverage policy .
In instances where our sample driver was comparing rates for a full coverage policy, the keep up limitations were used :

Coverage

State minimum

Full coverage

Property protection up to $1,000,000 up to $1,000,000
Residual bodily injury and property damage liability (BI/PD) $50,000 per injury, $100,000 per accident $50,000 per injury, $100,000 per accident
Personal injury protection (PIP) $250,000 for people with qualified health coverage $250,000 for people with qualified health coverage
Collision coverage Included/$500 deductible
Comprehensive coverage Included/$500 deductible

ValuePenguin ‘s psychoanalysis used indemnity rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be unlike .
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