Best Cheap Auto Insurance in Detroit, MI (2021)

The average Detroit, MI auto insurance rates are $2,192 per month. The minimum auto insurance in Detroit is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Detroit, 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 average commute length in Detroit is 25.3 minutes
  • The cheapest auto insurance company in Detroit is USAA
  • The most expensive auto insurance company in Detroit for teen drivers is Allstate

Detroit, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Detroit 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 Detroit, Michigan, including driving record, credit, commute time, and more.

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

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

Minimum Auto Insurance in Detroit, Michigan

Detroit, 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 Detroit, Michigan.

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

Auto insurance rates in Detroit, 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 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

Cheap Detroit, Michigan Auto Insurance for Teen Drivers

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

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

Cheap Detroit, Michigan Auto Insurance for Seniors

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

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

Cheap Detroit, 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 Detroit, Michigan compared to the annual auto insurance rates with a clean record in Detroit, Michigan.

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

Cheap Detroit, Michigan Auto Insurance Rates After a DUI

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

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

Cheap Detroit, Michigan Auto Insurance By Credit History

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

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

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Cheap Detroit, Michigan Auto Insurance Rates By ZIP Code

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

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

Cheap Detroit, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Detroit, Michigan

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

Cheap Detroit, Michigan Auto Insurance Rates By Coverage Level

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

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

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

The Cheapest Detroit, Michigan Auto Insurance Companies

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

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 auto insurance rates in Detroit, Michigan?

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

Detroit Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Detroit, Michigan auto theft statistics, there have been 6,454 auto thefts in the city.

Detroit Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Detroit, Michigan commute length is 25.3 minutes according to City-Data.

Detroit Traffic

How does Detroit, Michigan rank for traffic? According to Inrix Detroit, Michigan is the 408th most congested worldwide.

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Compare Detroit, Michigan Auto Insurance Quotes

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