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Detroit Car Insurance

How much does car insurance cost in Detroit, MI? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Detroit?

Detroit is Michigan’s largest city and has the nickname “Motor City” because of its ties to the auto industry. General Motors has its headquarters in Detroit, and Ford and Chrysler are nearby. Detroit is also the birthplace of Motown Records. And near downtown Detroit, you’ll find the Detroit Institute of Arts. In Detroit, you’ll also find Belle Island, a 982-acre island park, which was developed in the late 19th century and includes an aquarium. There is Comerica Park, a baseball park where the Detroit Tigers play, located in downtown Detroit. There is also Fox Theatre, a performing arts center, and the Detroit Zoo, which is known for its polar bears. The Michigan Science Center is renowned for its interactive exhibits and planetarium. There is much to do in Detroit including The William G. Milliken State Park and Harbor, which is located on the Detroit River just east of downtown. The park's 31 acres include wetlands, paved trails and a 52-slip harbor. With a nickname like Motor City, it is easy to think about your car when driving around the streets of Detroit. Wouldn’t you like to lower your car insurance rates? SmartFinancial can help. SmartFinancial has access to more than 200 insurance companies so you are bound to find the low rate that you want. Now here’s a look at what you need to know about insurance for your car in Detroit.

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 $265.55 per month compared to the national average of $134.05 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.

AreaAverage Monthly Rate
National $134.05
Michigan $173.12
Detroit, Michigan $265.55

Detroit, MI Best Car Insurance Companies

car insurance in Detroit

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 $127.69 per month. Other companies to consider if you live in Detroit is USAA with an average cost of $148.37 per month and Metropolitan which typically runs around $163.56 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Detroit.

RankCompanyAverage Monthly RateComparison State Average
1 SECURA Insurance $127.69-26.24%
2 USAA $148.37-14.30%
3 Metropolitan $163.56-5.52%
4 Chubb $179.543.71%
5 Auto-Owners Insurance Co $291.1768.19%
6 Hastings Mutual Insurance Co $324.9187.68%
7 Westfield $332.5092.06%
8 Farm Bureau Ins of MI $333.3692.56%
9 Safeco $389.15124.79%
10 Pioneer State Mutual Ins Co $401.43131.88%

How Much is Car Insurance in Detroit, MI?

how much is auto insurance in Detroit

Rates can vary from city to city. The residents of Detroit typically pay $265.55 per month while people who live in Flint will pay $174.92 per month on average. See what people pay for car insurance in other cities in Michigan.

Michigan CitiesMonthly Average Rate
Detroit $265.55
Flint $174.92
Grand Rapids $128.66
Lansing $135.05
Saginaw $138.58

Cheap Car Insurance in Detroit by Zip Codes

find cheap auto insurance in Detroit

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.

Detroit, MI ZIP CodeAverage Monthly Rate
48201$285.30
48202$302.73
48204$217.31
48205$277.01
48206$268.14
48207$284.19
48208$244.70
48209$239.81
48210$223.65
48211$253.25
48213$247.41
48214$270.23
48215$304.27
48216$216.54
48217$195.41
48219$271.38
48221$285.22
48223$272.27
48224$268.42
48226$263.23
48227$267.45
48228$265.26
48233$292.00
48234$264.20
48235$274.66
48238$259.09

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 $539.07 per month in Detroit. Compare that to drivers in their 30’s who typically pay around $268.73 per month drivers in their 40s at $246.34 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.

Age GroupAverage Monthly Rate
16-19$539.07
20s$342.25
30s$268.73
40s$246.34
50s$221.47
60s$224.96
70+$244.15

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, SECURA Insurance typically charges around $270.51 per month. This is likely the most affordable option in Detroit. You might also want to consider USAA and Chubb who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
SECURA Insurance$270.51
USAA$292.54
Chubb$322.59
Metropolitan$423.35
Auto-Owners Insurance Co$542.09

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 $147.95 per month. USAA , Metropolitan , Chubb and Auto-Owners Insurance Co are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
SECURA Insurance$147.95
USAA$171.80
Metropolitan$199.61
Chubb$207.90
Auto-Owners Insurance Co$353.37

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 $123.62 per month, followed by USAA at $146.42 and Metropolitan at $149.64.

CompanyAverage Monthly Rate
SECURA Insurance$123.62
USAA$146.42
Metropolitan$149.64
Chubb$182.28
Auto-Owners Insurance Co$267.90

Cheapest Insurance for 40 Year-olds in Detroit

On average, SECURA Insurance offers car insurance for 40 year-olds in Detroit for around $111.08 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.

CompanyAverage Monthly Rate
SECURA Insurance$111.08
USAA$138.97
Metropolitan$157.15
Chubb$167.72
Auto-Owners Insurance Co$265.65

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 $113.64 per month.

CompanyAverage Monthly Rate
SECURA Insurance$113.64
USAA$136.22
Metropolitan$145.54
Chubb$164.24
Hastings Mutual Insurance Co$231.86

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 $109.96 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
SECURA Insurance$109.96
Metropolitan$115.17
USAA$122.41
Chubb$151.73
Hastings Mutual Insurance Co$223.03

Driver's Coverage Auto Insurance Rates in Detroit, MI

driver's coverage

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 $257.28 while drivers who are not currently covered will pay around $269.82.

CoverageAverage Monthly Rate
Not Currently Insured $269.82
Currently Insured $257.28

Compare Recent Car Insurance Quotes in Detroit

auto insurance quotes in Detroit city

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 2005 Chrysler 300 can expect to pay around $96.33 per month while someone that owns a 2015 Nissan Rogue may pay around $534.50 per month. Check out the list of recent quotes in Detroit below.

VehicleAverage Monthly Rate
2005 Chrysler 300$96.33
2015 Nissan Rogue$534.50
2015 Nissan Rogue$179.18
2015 Nissan Rogue$179.18
2015 Nissan Rogue$538.13
2005 Dodge Grand Caravan$509.54
2005 Mazda Tribute$296.40
2005 Mazda Tribute$227.74
2005 Mazda Tribute$197.42
2005 Mazda Tribute$296.40

FAQ's for Drivers in Detroit, MI

driver’s frequently asked question in Detroit

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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Commute Time in Detroit, MI

26.4 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Detroit, MI

792

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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