Buy Cheap Dearborn, MI Auto Insurance (2022)

Dearborn, MI auto insurance rates average $1,743 a month. Minimum auto insurance requirements in Dearborn, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Dearborn, MI, compare Dearborn auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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A Concise Overview

  • The most expensive auto insurance company in Dearborn is Farmers
  • Average auto insurance rates in Dearborn, MI for teens drivers are $38,785/year
  • Average auto insurance rates in Dearborn, MI after a DUI are $32,645/year

Finding affordable Dearborn, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Dearborn, MI auto insurance with confidence is right here. Auto insurance rates in Dearborn are affected by local factors as well as personal ones like your driving record.

See how Dearborn, MI car insurance rates compare to Livonia auto insurance rates, Sterling Heights auto insurance rates, and Detroit auto insurance rates before you read more about the cost of auto insurance in Dearborn.

Don’t buy Dearborn, MI auto insurance until you’ve compared rates. Get free Dearborn, Michigan auto insurance quotes when you enter your ZIP code above.

Dearborn, MI Minimum Auto Insurance Requirements

The required auto insurance in Dearborn, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Dearborn, Michigan is outlined here.

Minimum Required Auto 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

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Find Cheap Dearborn, MI Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Dearborn, MI. Take a look at Dearborn, Michigan auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Dearborn, MI Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Dearborn, Michigan auto insurance rates? Find out how car insurance rates in Dearborn, MI are impacted by demographics.

Annual Auto 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

Buy Cheap Dearborn, MI Auto Insurance for Teen Drivers

Auto insurance for teenagers in Dearborn can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Dearborn, MI are listed here.

Annual Auto 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

Buy Cheap Dearborn, MI Auto Insurance for Seniors

You can save on senior auto insurance rates in Dearborn, Michigan by comparing Dearborn senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Dearborn, MI here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Dearborn, MI by Coverage Level

The amount of coverage you choose is a big factor in the cost of Dearborn, Michigan auto insurance. Compare Dearborn, MI auto insurance rates by coverage level.

Annual Auto 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

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Find Cheap Dearborn, MI Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Dearborn. Compare auto insurance rates in Dearborn, MI by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Dearborn, MI Auto Insurance Rates by ZIP Code

Auto insurance rates in Dearborn, Michigan can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Dearborn, MI to see how much where you live in Dearborn affects the cost of car insurance.

Annual Auto 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

Find Cheap Dearborn, MI Auto Insurance Rates by Driving Record

Auto insurance rates in Dearborn, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Dearborn, MI, take a look at the average cost for various violations versus rates for a clean driving record in Dearborn.

Annual Dearborn, Michigan Auto 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

Find Cheap Dearborn, MI Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Dearborn, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Dearborn for less when you shop around and compare rates from multiple Dearborn, MI auto insurance companies.

Annual Auto Insurance Rates After a DUI in Dearborn, Michigan

Insurance Company Annual Auto 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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Winners by Category: Where to Buy Cheap Auto Insurance in Dearborn, MI

Compare rates from the cheapest auto insurance companies in Dearborn, MI for your needs. Take a look at how Dearborn, Michigan auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap Dearborn, Michigan Auto Insurance Companies

If you’re looking for the cheapest Dearborn, MI auto insurance companies overall, you can compare them here. Find the best price for Dearborn, Michigan car insurance by company.

Average Annual Auto 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

What affects Dearborn, Michigan auto insurance rates?

Local factors affect auto insurance rates in Dearborn, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Dearborn auto insurance rates.

Auto Theft in Dearborn

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Dearborn, MI auto theft show a total of 200 vehicle thefts annually.

Commute Times in Dearborn

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Dearborn, MI is 20.6 minutes according to City-Data.

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Compare Auto Insurance Quotes in Dearborn, MI

You can buy cheap Dearborn, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Dearborn, Michigan auto insurance quotes from top companies.

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