Best Cheap Auto Insurance in Detroit, TX (2021)

The average Detroit, TX auto insurance rates are $307 per month. The minimum auto insurance in Detroit is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Detroit, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 29.2 minutes
  • The minimum auto insurance required in Detroit, Texas is 30/60/25
  • The cheapest auto insurance company in Detroit is USAA

Detroit, Texas auto insurance requirements are 30/60/25 according to Texas 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, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Detroit to other Texas cities, including Houston auto insurance rates, Plano auto insurance rates, and Austin auto insurance rates to see how Detroit, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Detroit, Texas

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

Minimum Required Auto Insurance Coverage in Detroit, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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

Auto insurance rates in Detroit, Texas 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, Texas

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 $3,474 $3,511 $3,431 $3,431 $9,030 $10,920 $4,296 $4,486
American Family $2,488 $2,759 $2,301 $2,627 $6,369 $8,329 $3,527 $4,011
GEICO $2,298 $2,456 $2,192 $2,444 $4,861 $5,078 $2,475 $2,487
Nationwide $2,166 $2,208 $1,915 $2,031 $6,025 $7,753 $2,533 $2,743
Progressive $2,448 $2,312 $2,190 $2,226 $10,496 $11,709 $2,892 $2,917
State Farm $2,102 $2,102 $1,861 $1,861 $4,917 $6,246 $2,277 $2,350
USAA $1,484 $1,496 $1,415 $1,408 $4,127 $4,506 $1,977 $2,128

Cheap Detroit, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Detroit, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,030 $10,920
American Family $6,369 $8,329
GEICO $4,861 $5,078
Nationwide $6,025 $7,753
Progressive $10,496 $11,709
State Farm $4,917 $6,246
USAA $4,127 $4,506

Cheap Detroit, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Detroit, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,431 $3,431
American Family $2,301 $2,627
GEICO $2,192 $2,444
Nationwide $1,915 $2,031
Progressive $2,190 $2,226
State Farm $1,861 $1,861
USAA $1,415 $1,408

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

Annual Detroit, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,162 $6,352 $6,613 $4,162
American Family $3,698 $4,692 $4,118 $3,698
GEICO $2,580 $3,372 $2,867 $3,327
Nationwide $2,967 $2,967 $4,399 $3,353
Progressive $4,050 $5,266 $4,727 $4,553
State Farm $2,647 $3,019 $3,545 $2,647
USAA $1,733 $2,547 $3,003 $1,988

Cheap Detroit, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Detroit, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,613
American Family $4,118
GEICO $2,867
Nationwide $4,399
Progressive $4,727
State Farm $3,545
USAA $3,003

Cheap Detroit, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Detroit, Texas

Insurance Company Poor Fair Good
Allstate $6,774 $4,955 $4,238
American Family $5,589 $3,507 $3,058
GEICO $4,678 $2,655 $1,776
Nationwide $4,106 $3,293 $2,866
Progressive $5,217 $4,528 $4,202
State Farm $4,204 $2,611 $2,078
USAA $3,413 $1,963 $1,577

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Cheap Detroit, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Detroit, Texas

ZIP Code Average Annual Rates
75436 $5,442

Cheap Detroit, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Detroit, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,197 $5,448
American Family $4,051 $4,051
GEICO $2,978 $3,095
Nationwide $3,422 $3,422
Progressive $4,649 $4,649
State Farm $2,964 $2,964
USAA $2,288 $2,347

Cheap Detroit, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Detroit, Texas? Check out the comparison of annual Detroit, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Detroit, Texas

Insurance Company Low Medium High
Allstate $5,201 $5,277 $5,490
American Family $3,776 $3,899 $4,479
GEICO $2,895 $3,003 $3,212
Nationwide $3,698 $3,274 $3,293
Progressive $4,390 $4,626 $4,931
State Farm $2,818 $2,954 $3,122
USAA $2,245 $2,309 $2,398

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Best By Category: Cheapest Auto Insurance in Detroit, Texas

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

Best Annual Auto Insurance Rates by Company in Detroit, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Detroit, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Detroit, Texas

Insurance Company Average Annual Rates
Allstate $5,322
American Family $4,051
GEICO $3,037
Nationwide $3,422
Progressive $4,649
State Farm $2,964
USAA $2,318

What affects auto insurance rates in Detroit, Texas?

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

Detroit Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Detroit, Texas commute length is 29.2 minutes according to City-Data.

Detroit Traffic

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

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Compare Detroit, Texas Auto Insurance Quotes

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