Best Cheap Auto Insurance in Dearborn, MI (2021)

The average Dearborn, MI auto insurance rates are $1,743 per month. The minimum auto insurance in Dearborn is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Dearborn, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Dearborn, Michigan is 20/40/10
  • The most expensive auto insurance company in Dearborn for teen drivers is Farmers
  • The cheapest auto insurance company in Dearborn is USAA

Dearborn, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Dearborn can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Dearborn, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Dearborn to other Michigan cities, including Detroit auto insurance rates, Grand Rapids auto insurance rates, and Livonia auto insurance rates to see how Dearborn, Michigan auto insurance rates stack up.

Before you buy Dearborn, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Dearborn, Michigan auto insurance quotes.

Minimum Auto Insurance in Dearborn, Michigan

Dearborn, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Dearborn, Michigan.

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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Cheap Dearborn, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Dearborn, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

Cheap Dearborn, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Dearborn, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Dearborn, Michigan.

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

Cheap Dearborn, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Dearborn, Michigan? Take a look at the annual average rates for older drivers.

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

Cheap Dearborn, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Dearborn, Michigan compared to the annual auto insurance rates with a clean record in Dearborn, Michigan.

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

Cheap Dearborn, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Dearborn, Michigan is not easy. Compare the annual rates for DUI auto insurance in Dearborn, Michigan to find the best deal.

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

Cheap Dearborn, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Dearborn, Michigan annual auto insurance rates by credit history compare.

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

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Cheap Dearborn, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Dearborn, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Dearborn, Michigan to see how car insurance rates are affected by location.

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

Cheap Dearborn, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Dearborn, Michigan auto insurance. Find the cheapest annual Dearborn, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Dearborn, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Dearborn, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Dearborn, Michigan? Check out the comparison of annual Dearborn, Michigan 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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Best By Category: Cheapest Auto Insurance in Dearborn, Michigan

Compare the cheapest auto insurance companies in Dearborn, Michigan in each category to find the company with the best rates for your personal needs.

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

The Cheapest Dearborn, Michigan Auto Insurance Companies

What auto insurance companies in Dearborn, Michigan are the cheapest? Compare the top Dearborn, Michigan auto insurance companies to find the best annual rates.

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 auto insurance rates in Dearborn, Michigan?

There are a lot of reasons why auto insurance rates in Dearborn, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Dearborn, Michigan. Many local factors may affect your Dearborn auto insurance rates.

Dearborn Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Dearborn, Michigan auto theft statistics, there have been 200 auto thefts in the city.

Dearborn Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Dearborn, Michigan commute length is 20.6 minutes according to City-Data.

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Compare Dearborn, Michigan Auto Insurance Quotes

Before you buy Dearborn, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Dearborn, Michigan auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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