Buy Cheap Detroit, MI Auto Insurance (2022)

Detroit, MI auto insurance rates average $2,192 a month. Minimum auto insurance requirements in Detroit, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Detroit, MI, compare Detroit 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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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

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Detroit, MI are $2,192/month
  • The most expensive auto insurance company in Detroit is Farmers
  • Average auto insurance rates in Detroit, MI after a DUI are $41,160/year

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

See how Detroit, MI car insurance rates compare to Warren auto insurance rates, Dearborn auto insurance rates, and Grand Rapids auto insurance rates before you read more about the cost of auto insurance in Detroit.

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

Detroit, MI Minimum Auto Insurance Requirements

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

Minimum Required Auto 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

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Find Cheap Detroit, MI Auto Insurance by Credit History

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

Annual Auto 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

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

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

Annual Auto 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

Buy Cheap Detroit, MI Auto Insurance for Teen Drivers

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

Annual Auto 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

Buy Cheap Detroit, MI Auto Insurance for Seniors

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

Annual Auto 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

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

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

Annual Auto 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

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Find Cheap Detroit, MI Auto Insurance Rates by Commute

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

Annual Auto 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

Find Cheap Detroit, MI Auto Insurance Rates by ZIP Code

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

Annual Auto 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

Find Cheap Detroit, MI Auto Insurance Rates by Driving Record

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

Annual Detroit, Michigan Auto 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

Find Cheap Detroit, MI Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Detroit, Michigan

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

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

Best Annual Auto 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

Find Cheap Detroit, Michigan Auto Insurance Companies

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

Average Annual Auto 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

What affects Detroit, Michigan auto insurance rates?

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

Auto Theft in Detroit

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Detroit, MI auto theft show a total of 6,454 vehicle thefts annually.

Commute Times in Detroit

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Detroit, MI is 25.3 minutes according to City-Data.

Traffic in Detroit

How is traffic in Detroit, Michigan? Inrix data shows that Detroit, MI traffic makes it the 408th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Detroit, MI

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

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