The best car insurance in Detroit, MI

The average cost of full coverage car insurance in Detroit is $5,357, more than double the Michigan state average of $2,377. Despite the high average costs of coverage, Detroit drivers can take opportunities to save on car insurance.

When it comes to car insurance, the best way to save money is to compare quotes from different companies. Policygenius helps you see options from top companies and choose the coverage that’s right for you.

Cheapest car insurance companies in Detroit, MI

While all companies will use the same basic information to determine your rates, premiums can vary from company to company. Here are the cheapest car insurance companies in Detroit:

Cheapest car insurance rates by ZIP code in Detroit, MI

Your ZIP code is a major factor when it comes to how insurance companies calculate your car insurance rates. This is due, in part, to the number of car thefts, auto accidents, and traffic tickets in a given ZIP code.

ZIP code	Average cost
48201	$5,453
48202	$5,383
48203	$5,310
48204	$5,452
48205	$5,450
48206	$5,570
48207	$5,310
48208	$5,451
48209	$5,348
48210	$5,487
48211	$5,463
48213	$5,480
48214	$5,626
48215	$5,505
48216	$5,425
48217	$4,941
48219	$5,309
48221	$5,335
48223	$5,258
48224	$5,351
48226	$5,317
48227	$5,411
48228	$5,242
48233	$5,485
48234	$5,521
48235	$5,364
48238	$5,371
48242	$4,271
48243	$5,453

Collapse table

Choosing the right car insurance company in Detroit, MI

Choosing the best car insurance company means finding the right coverage at an affordable price. With so much information out there, it can be hard to sift through it all and find the right insurance for you.

Policygenius makes it easier by showing you options from top companies, so you can feel confident you're making the right choice.

Car insurance rates for drivers with driving violations in Detroit, MI

Insurers use your motor vehicle report (MVR), also known as your driving record, as a factor when determining your insurance rates. If you have any driving violations (such as a DUI or DWI) or have been in an accident, this affects your rate because you are seen as more of a risk.

Violation	USAA	GEICO	Westfield Insurance	MetLife	Donegal
At-fault accident	$2,709	$5,219	$3,798	$5,471	$4,730
DUI	$3,488	$13,630	$6,614	$6,428	$7,988
Suspended license	$3,488	$4,443	$6,614	$7,027	$3,278
Open container	$3,488	$9,952	$2,875	$2,883	$7,988
Expired registration	$2,439	$4,443	$2,875	$3,416	$3,278
Driving without lights	$2,439	$4,443	$3,316	$3,416	$3,278
Not showing documents	$2,439	$4,443	$2,875	$3,416	$3,278
Running a red light	$2,439	$4,443	$3,316	$3,416	$3,713
Failure to yield	$2,439	$4,443	$3,316	$3,416	$3,713
Following too closely	$2,439	$4,443	$3,316	$3,416	$3,278
Hit and run	$3,488	$7,053	$6,614	$6,428	$7,988
Illegal turn	$2,439	$4,443	$3,316	$3,416	$3,278
Improper passing	$2,439	$4,443	$3,316	$3,416	$3,278
Not-at-fault accident	$1,880	$1,958	$3,371	$3,256	$3,108
Passing a school bus	$3,192	$4,443	$3,316	$3,416	$3,278
Racing	$3,488	$7,053	$6,614	$6,428	$7,988
Reckless driving	$3,192	$5,219	$6,614	$6,428	$7,988
Speeding	$2,695	$4,443	$3,758	$3,654	$5,237

Collapse table

Cheapest car insurance for drivers with bad credit in Detroit, MI

Drivers with low credit scores can expect to pay more for car insurance. Since your credit history can impact your insurance rates, it is especially important to compare rates across several companies if you have poor credit.

Buying car insurance in Detroit, MI

Michigan state law requires that all licensed drivers have at least a minimum amount of car insurance.

• Bodily injury liability coverage per person: $ $50,000

• Bodily injury liability coverage per accident: $100,000

• Property damage liability coverage: $10,000

• Personal injury protection (PIP): Amount varies depending on health insurance (see notes)

The exact amount of PIP required for you will depend on your health insurance coverage. Michigan also requires drivers to have property protection insurance (PPI), with a minimum limit of $1 million in property damage coverage.

How to get cheap car insurance in Detroit, MI

Insurance in Detroit is expensive, but there are many discounts available, including:

• Safe driver discount: Having a clean driving record can make you an attractive customer to insurance companies and keep your premiums low.

• Bundling discount: Many companies offer a discount if you purchase multiple types of insurance policies (such as auto and home) as a way to encourage you to use their business.

• Loyalty discount: If you’ve been with the same auto insurance company for multiple years, some companies will provide you with a discount to reward you for your loyalty.

• Professional discount: Some companies offer discounts for certain employers and professions, such as teachers or public servants (like firefighters). 

• Low mileage discount: Drivers who don’t spend much time on the road are often entitled to a lower rate than drivers who have long commutes.

• Military discount: Several insurance companies offer a discount to active military members and their families.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

• Bodily injury liability: 50/100

• Property damage liability: $50,000

• Uninsured/underinsured motorist: 50/100

• Comprehensive: $500 deductible

• Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.