Best Cheap Car Insurance in Detroit, Michigan
Compare Car Insurance Rates in Detroit
Progressive has the cheapest car insurance in Detroit, averaging $171 per month for minimum coverage and $291 per month for full coverage.
Detroit is one of the most expensive cities in the U.S. for car insurance, and choosing Progressive means you'll pay less than a quarter of the city average. The average rate for minimum coverage in Detroit is $761 per month, while full coverage costs $1,452 per month.
Best cheap car insurance in Detroit
Every driver will find different rates based on their driving history, where they live and what kind of car they drive, so the only way to guarantee that you're paying the best price for you is to get quotes from several insurance companies.
Cheapest auto insurance in Detroit: Progressive
Progressive is the most affordable option for minimum coverage in Detroit, with an average rate of $171 per month.
Progressive's rates are 78% cheaper than average in Detroit. The city's average rate is $761 per month.
Auto-Owners also has low prices for coverage, with an average rate of just $197 per month. The absolute lowest rate is with USAA, which costs $71 per month. However, USAA is only available to people who've served in the military and their families.
Compare Car Insurance Rates in Detroit
Cheapest car insurance companies in Detroit
Company | Monthly rate | |
|---|---|---|
| Progressive | $171 |
| Auto-Owners | $197 |
| Frankenmuth | $253 |
| Farm Bureau | $394 |
| State Farm | $752 |
*USAA is only available to current and former military members and their families.
In addition to having good rates in Detroit, Progressive has the cheapest rates across Michigan.
Farmers and Hanover have the highest car insurance rates in Detroit, and choosing one of these companies means you could pay more than $20,000 per year for car insurance.
Cheapest full coverage car insurance in Detroit: Progressive
Progressive has the cheapest rates for drivers who want or need full coverage for their car insurance policy, with an average price of $291 per month. That's 80% less than the average cost of $1,452 per month and 30% cheaper than the second-most affordable option, Auto-Owners.
Company | Monthly rate |
|---|---|
| Progressive | $291 |
| Auto-Owners | $418 |
| Frankenmuth | $551 |
| Farm Bureau | $872 |
| State Farm | $993 |
*USAA is only available to current and former military members and their families.
In addition to the basic coverages required by Michigan law, full coverage also includes comprehensive and collision coverages, which pay for damage to your vehicle.
- 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.
Cheap car insurance for drivers with prior incidents
If you've had an incident behind the wheel like a ticket, DUI or at-fault accident, Progressive has the cheapest car insurance in Detroit.
Insurance companies use your driving history to estimate how likely you are to make a claim in the future. Unfortunately, if you have had an incident in the recent past, that means you're very likely to pay more for car insurance.
Cheapest car insurance in Detroit after an accident: Progressive
Progressive has the cheapest car insurance in Detroit after a car accident, with an average rate of $414 per month for full coverage.
After a crash, rates in Detroit go up by an average of 38%, to an average of $2,008 per month for a full coverage policy.
Company | Monthly rate |
|---|---|
| Progressive | $414 |
| Auto-Owners | $497 |
| Frankenmuth | $719 |
| Farm Bureau | $1,012 |
| State Farm | $1,192 |
Cheapest car insurance for people with a speeding ticket: Progressive
Progressive has the best price for insurance after a speeding ticket — $361 per month for full coverage.
A speeding ticket indicates to insurance companies that you're more likely to take risks behind the wheel, so your rates will likely go up if you are caught speeding. Car insurance rates in Detroit increase by 33% after a speeding ticket.
Company | Monthly rate |
|---|---|
| Progressive | $361 |
| Auto-Owners | $497 |
| Frankenmuth | $607 |
| Farm Bureau | $872 |
| State Farm | $1,292 |
Cheapest car insurance for drivers with a DUI: Progressive
Progressive has the most affordable rates after a DUI, with a typical price of just $333 per month for full coverage. That's only 15% more than what the company charges a driver with a clean record.
Driving while under the influence causes a steep increase in your insurance rates. After a DUI violation in Detroit, you'll pay an average of 71% more for insurance than someone with a clean driving record. In these situations, most insurance companies charge more than $1,000 per month.
Company | Monthly rate |
|---|---|
| Progressive | $333 |
| Auto-Owners | $1,022 |
| State Farm | $1,096 |
| Farm Bureau | $2,328 |
| Frankenmuth | $2,370 |
Cheapest minimum car insurance for young drivers: Auto-Owners
Auto-Owners has cheap rates for young drivers in Detroit, with an average price of $389 per month for minimum coverage.
Younger drivers typically have very expensive car insurance rates because they don't have a lot of practice behind the wheel and tend to have poorer judgment than older drivers. As a result, the average 18-year-old can expect to pay about $1,526 per month for a minimum coverage policy in Detroit.
Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $389 | $854 |
| Frankenmuth | $598 | $1,167 |
| Farm Bureau | $608 | $1,363 |
| Progressive | $646 | $1,187 |
| State Farm | $2,034 | $2,616 |
As long as young drivers keep a clean driving record, the cost of car insurance will fall steadily each year until age 25 when rates will level off.
One of the best ways for teens to save on car insurance is to share a policy with an older family member. You can also take a driver's education class beyond what's required to get your license.
Best car insurance companies in Detroit
Auto-Owners is the highest-rated car insurance company in Detroit.
The company has good customer service and coverage options while also being a reasonably good value. Auto-Owners can be more expensive than Progressive for a typical Detroit driver. However, this cost may be worth it for those who want better support over the phone for managing claims and policy changes.
Detroit's best car insurance companies
Company |
Editor's rating
|
|---|---|
| Auto-Owners | |
| USAA | |
| Farm Bureau | |
| State Farm | |
| Frankenmuth |
USAA is also a great insurance company if you're eligible for a policy. The company is only available to military members, veterans or their family members.
Average car insurance cost in Detroit, by neighborhood
The cheapest car insurance rates for full coverage are near the airport and in Grosse Pointe Farms. The most expensive rates are in Hamtramck.
There is a 51% difference in price between the most and least expensive neighborhoods in Detroit.
The cost of car insurance can vary significantly by location, even within a given city. For example, you might pay more for car insurance if you live near a busy road or in an area with a lot of car theft.
ZIP code | Average monthly cost | Percentage difference from average |
|---|---|---|
| 48201 | $1,513 | 4% |
| 48202 | $1,465 | 1% |
| 48203 | $1,474 | 2% |
| 48204 | $1,488 | 2% |
| 48205 | $1,636 | 13% |
Frequently asked questions
Who has the cheapest car insurance in Detroit?
Progressive has the most affordable car insurance for most people in Detroit, with rates that are usually a fraction of what other companies charge. The exception is for young drivers, who can get the lowest-priced policies from Auto-Owners.
How much is car insurance in Detroit, MI?
Typical car insurance rates in Detroit are expensive, with an average of $761 per month for a minimum coverage policy and $1,452 per month for full coverage. However, Progressive has much lower rates in Detroit, averaging $171 per month for minimum coverage.
Why is Detroit car insurance so expensive?
The cost of car insurance is expensive across Michigan because of the state's high insurance requirements. Rates in Detroit are nearly four times higher than the state average because auto thefts are common and more than half of Detroit's drivers are uninsured.
Methodology
The average cost of car insurance in Detroit is based on a comparison of thousands of quotes from the largest insurance companies in Michigan.
Rates are for a 30-year-old man with a good credit score, driving a 2015 Honda Civic EX, which is the base model. Unless otherwise noted, quotes are for a full coverage policy with limits higher than the state minimums.
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $250,000 |
| Property protection insurance | $1 million per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.