Detroit Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Michigan has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Detroit typically pay around $183.76 per month compared to the national average of $145.16 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Detroit, MI Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, SECURA Insurance generally has the most affordable car insurance in Detroit coming in around $70.36 per month. Other companies to consider if you live in Detroit is USAA with an average cost of $153.68 per month and Metropolitan which typically runs around $184.55 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Detroit.

How Much is Car Insurance in Detroit, MI?

Rates can vary from city to city. The residents of Ann Arbor typically pay $110.83 per month while people who live in Battle Creek will pay $99.72 per month on average. See what people pay for car insurance in other cities in Michigan.

Cheap Car Insurance in Detroit by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Michigan. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Detroit

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $374.06 per month in Detroit. Compare that to drivers in their 30’s who typically pay around $181.43 per month drivers in their 40s at $176.60 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Detroit

If you are teen in Detroit you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Safeco typically charges around $97.48 per month. This is likely the most affordable option in Detroit. You might also want to consider SECURA Insurance and USAA who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Detroit

20 year-olds in Detroit might want to consider SECURA Insurance who, on average, offers car insurance rates around $97.49 per month. USAA , Metropolitan , Auto-Owners Insurance Co and Safeco are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Detroit

If you are in your 30s in Detroit our research has found that SECURA Insurance typically has the most affordable coverage coming in around $66.89 per month, followed by USAA at $148.75 and Metropolitan at $174.40.

Cheapest Insurance for 40 Year-olds in Detroit

On average, SECURA Insurance offers car insurance for 40 year-olds in Detroit for around $62.84 per month. If you are looking for affordable coverage, you may also want to consider USAA or Metropolitan. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Detroit

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Detroit we found that SECURA Insurance generally offers the most affordable coverage at $57.48 per month.

Cheapest Insurance for 60 Year-olds in Detroit

If you live in Detroit and you’re in your 60s, our data indicates that SECURA Insurance usually has the best rates at $56.25 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Detroit, MI

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Detroit, the average monthly rate for a driver who is currently insured is $182.35 while drivers who are not currently covered will pay around $184.21.

Compare Recent Car Insurance Quotes in Detroit

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Detroit a driver of a 2010 Ford Focus can expect to pay around $76.60 per month while someone that owns a 2007 Chevrolet Impala may pay around $62.65 per month. Check out the list of recent quotes in Detroit below.

FAQ's for Drivers in Detroit, MI

Detroit Auto Insurance Requirements

In the city of Detroit, you are required to have auto liability insurance coverage.

What is the Minimum Amount of Liability Coverage Requirement in Detroit?

• $50,000 for a person who is hurt or killed in an accident
• $100,000 for several people who are hurt or killed in an accident
• $10,000 property damage

What is the Blood Alcohol Concentration (BAC) Limit in Detroit?

The legal blood alcohol content (BAC) level limit is .08% in the state of Michigan. This legal BAC level is the same for every state. If you have a .08% BAC level and you are driving a car, in Michigan you may be arrested for an OWI, which stands for Operating While Visibly Impaired. With an OWI, you'll face up to a $300 fine, up to 93 days in jail and up to 360 hours of community service. With an OWI on your driving record, your car insurance rates will increase. But even with an imperfect driving record and an OWI conviction, you will be able to find lower rates with SmartFinancial's help. Insurance companies view OWIs differently and some charge higher rates than others. You're looking for the lowest rate you can find. And SmartFinancial will help you find it.

Can I Register My Car Without Insurance in Detroit?

When a registration on a car is valid, the liability insurance coverage must be current. So you need both things up-to-date, your car's registration and your liability insurance. And this is true even if you do not use the car. The insurance on the car must be issued by an insurance company authorized by the Michigan Department of Insurance and Financial Services and certified by the Michigan State DMV. And here's one more thing to consider. The insurance for your car must be issued in the name of the vehicle registrant. So the name on the vehicle registration must match the name on the insurance. Have those two things matching and you are all set with your car registration and car insurance.

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