Cheapest Car Insurance In Detroit, MI 2024
In Detroit, Chubb offers the most affordable minimum coverage car insurance, with an average cost of $34 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Looking for the cheapest car insurance in Detroit, MI, can reveal a wide range of prices.
Chubb stands out as the top choice for affordable liability-only coverage, while Chubb again provides the best rates for drivers needing full coverage. Young drivers find that GEICO has the lowest rates for their age group.
Cheapest Car Insurance In Detroit, MI 2024
Cheapest Full Coverage Insurance Rates In Detroit: Chubb
Chubb offers the lowest rates for full coverage car insurance, with average quotes of $84 per month in Detroit.
The table below shows the average auto insurance quotes from budget-friendly providers in Detroit.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $84 | $1,006 |
| Auto-Owners | $199 | $2,370 |
| GEICO | $152 | $1,820 |
| State Farm | $412 | $4,937 |
| Farmers | $840 | $10,030 |
Cheapest Liability-only Car Insurance In Detroit: Chubb
Chubb offers the lowest rates for minimum coverage car insurance in Detroit, with an average monthly price of $34.
Refer to the table below to see a comparison of rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $34 | $403 |
| Auto-Owners | $110 | $1,312 |
| Encompass | $96 | $1,130 |
| Progressive | $98 | $1,145 |
| GEICO | $103 | $1,227 |
Cheapest Rates In Detroit For Teenagers: Progressive
In Detroit, teenage drivers can get the lowest quotes from Progressive, averaging $350 per month in premiums.
The following table lists the companies offering the lowest insurance rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $350 | $4,199 |
| Travelers | $989 | $11,834 |
| Auto-owners | $351 | $4,210 |
| State Farm | $1,159 | $13,904 |
| Farmers | $173 | $20,620 |
Cheapest Car Insurance Rates For Seniors: Chubb
With an average monthly rate of $69, Chubb offers the lowest car insurance rates for seniors in Detroit.
The table below displays average quotes from the most affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $69 | $820 |
| Auto-Owners | $208 | $2,486 |
| GEICO | $153 | $1,832 |
| State Farm | $390 | $4,670 |
| Farmers | $745 | $8,930 |
Cheapest Auto Insurance For Young Adults in Detroit: GEICO
Young adults in Detroit can find the lowest quotes from GEICO, which averages $153 a month.
The table below allows you to compare the most affordable auto insurance rates for young adults in Detroit.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $153 | $1,825 |
| Progressive | $167 | $2,000 |
| Travelers | $210 | $2,520 |
| Auto-Owners | $212 | $2,540 |
| State Farm | $473 | $5,670 |
Cheapest Car Insurance In Detroit For Good Drivers: Chubb
Chubb offers the lowest car insurance quotes for good drivers in Detroit, with rates averaging about $34 per month.
If you’re a safe driver, the table below can help you find average quotes from the cheapest insurance providers.
| Provider | Average Monthly Cost | AverageAnnual Cost |
| Chubb | $34 | $403 |
| Auto-Owners | $110 | $1,312 |
| Encompass | $96 | $1,130 |
| Progressive | $98 | $1,145 |
| GEICO | $103 | $1,227 |
Find affordable Detroit rates
Cheapest For Drivers With After At-Fault Accident: Progressive
For drivers with an at-fault incident, Progressive provides the most affordable car insurance quotes, averaging $206 per month.
Below are the car insurance providers that offer the lowest rates for drivers who have an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $206 | $2,469 |
| GEICO | $407 | $4,880 |
| Auto-Owners | $231 | $2,772 |
| State Farm | $496 | $5,940 |
| Farmers | $1,143 | $13,690 |
Cheapest Rates In Detroit For Drivers After A DUI: Progressive
For drivers recovering from a DUI, Progressive offers the most affordable rates, with average monthly premiums of $170 for those in Detroit.
The table below shows the lowest rates available for drivers in Detroit who have a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $170 | $2,025 |
| Travelers | $784 | $9,415 |
| Auto-Owners | $490 | $5,860 |
| State Farm | $1,075 | $12,890 |
| Farmers | $1,114 | $13,360 |
Cheapest Car Insurance In Detroit After A Speeding Ticket: USAA
Compared to other insurers in Detroit, USAA is quite affordable, offering average monthly rates of $191 for drivers with a speeding ticket.
The table below shows average rates for drivers who have a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $191 | $2,292 |
| Progressive | $193 | $2,306 |
| State Farm | $618 | $7,410 |
| Auto-owners | $262 | $3,142 |
| Farmers | $1,086 | $13,020 |
Best Car Insurance Companies In Detroit
In Detroit, Chubb offers the cheapest insurance at $34 per month. You might also want to look into Progressive for $98 a month or Auto-Owners, which charges $110 per month.
Below is a list of the top 10 car insurance providers in Detroit, MI, organized by their average monthly rates.
| Company | Monthly Premium |
| Chubb | $34 |
| Progressive | $98 |
| Auto-Owners | $110 |
| West Field | $109 |
| State Farm | $320 |
| GEICO | $96 |
| Farmers | $402 |
| Encompass | $96 |
| Pioneer State | $120 |
| Hanover | $740 |
Average Auto Insurance Rates In Detroit – By Age
Age plays a significant role in determining car insurance rates. Generally, younger drivers face higher premiums because they have less experience and a greater chance of being involved in accidents or receiving traffic violations. Teenagers can anticipate paying approximately $6,499 annually for car insurance.
Once drivers turn 25, their insurance rates typically start to go down, provided they have a clean driving record.
Drivers in their 50s and early 60s frequently receive the most competitive insurance rates. Insurance companies use age as a factor to evaluate driving experience and risk, affecting premium costs.
| Age | Average Yearly Rate |
| Teenagers | $6,499 |
| 20s | $2,180 |
| 30s | $1,790 |
| 40s | $1,768 |
| 50s | $1,550 |
| 60s | $1,364 |
| 70s | $1,205 |
Average Rates In Detroit – By Vehicle
The kind of vehicle you drive significantly impacts your car insurance premiums. Insurers consider various factors, including the car’s make, model, year, and body style. Generally, newer cars, especially luxury models with advanced features and higher replacement costs, usually come with higher insurance rates.
The table below provides average rates for various vehicles in Detroit.
| Vehicle | Average Monthly Rate |
| Toyota Camry | $130 |
| Chevrolet Equinox | $182 |
| Nissan Rogue | $190 |
| Honda Civic | $140 |
| Ford F-150 | $171 |
Average Cost Of Auto Insurance In Detroit – By Zip Code
Insurers use zip codes to assess crime rates in specific areas, which is why car insurance rates vary by zip code.
The table below displays average insurance rates for various zip codes in Detroit.
| Zip Code | Average Monthly Rate |
| 48235 | $160 |
| 48238 | $156 |
| 48216 | $171 |
| 48210 | $152 |
| 48206 | $165 |
How Much Is Car Insurance In Other Cities in Michigan?
The city where you reside has a significant impact on your car insurance premiums. Insurers assess various location-related factors, such as the likelihood of accidents, vehicle theft, and vandalism, which tend to be more common in urban areas. This increased risk typically leads to higher rates.
For instance, car insurance costs about $96 per month for drivers in Grand Rapids, whereas those in Dearborn typically pay around $170 monthly.
| City | Average Monthly Rate |
| Grand Rapids | $96 |
| Ann Arbor | $104 |
| Lansing | $95 |
| Flint | $111 |
| South Field | $140 |
| Dearborn | $170 |
| Saginaw | $102 |
| Kalamazoo | $95 |
| Troy | $122 |
| Muskegon | $98 |
Find affordable Detroit rates
Our Methodology
After conducting a detailed analysis that considers aspects like customer service ratings, product choices, pricing, and extensive evaluations of various online reviews and user experiences, I’ve created a thorough overview of car insurance providers in Detroit, MI.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Detroit?
In Detroit, Chubb provides the lowest rates for the minimum coverage mandated by Michigan, Chubb also offers the best rates for full coverage that includes both comprehensive and collision insurance.
What is the average cost of car insurance in Detroit?
The typical car insurance premium in Detroit is approximately $158 a month. However, rates can differ based on factors like your zip code, vehicle make and model, driving history, and more.
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