Best Cheap Car Insurance in Detroit, Michigan
Progressive has the cheapest car insurance in Detroit. A full coverage policy costs $267 per month, on average.
Compare Car Insurance Rates in Detroit, MI
Best cheap car insurance in Detroit, MI
Cheapest car insurance in Detroit: Progressive
Progressive is the cheapest car insurance company in Detroit for a full coverage policy, at $267 per month, on average.
That's roughly two-thirds the citywide average. Keep in mind that Progressive has a poor reputation for customer service.
Auto-Owners has affordable rates, at an average of $310 per month.
Find Cheap Auto Insurance Quotes in Detroit
USAA has a good customer service reputation and affordable coverage. However, you can only buy coverage from USAA if you or a family member are a current or former member of the military.
State Farm and Farm Bureau offer strong customer service, but these companies charge expensive monthly rates. Consider these companies if you don't mind paying more each month in exchange for a smoother claims process.
Cheapest full coverage car insurance in Detroit
Company | Monthly rate | |
|---|---|---|
| Progressive | $267 |
| Auto-Owners | $310 |
| AAA | $503 |
| Farm Bureau | $517 |
| Allstate | $531 |
*USAA is only available to current and former military members and their families.
Cheap liability insurance quotes in Detroit, MI
Progressive has the cheapest minimum liability car insurance in Detroit, at $115 per month, on average.
That's roughly two-thirds the citywide average of $184 per month.
Best cheap liability auto insurance
Company | Monthly rate |
|---|---|
| Progressive | $115 |
| Auto-Owners | $118 |
| Allstate | $165 |
| AAA | $173 |
| Farm Bureau | $199 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Detroit
Auto coverage in Detroit tends to cost more than what you'd pay elsewhere in the state, and Michigan has some of the most expensive auto insurance rates in the nation.
Keep in mind that you can still save money by shopping around. You could save $336 per month, on average, by switching from the most expensive auto insurance company in Detroit, State Farm, to the cheapest, Progressive.
Cheapest car insurance for Detroit teens: Auto-Owners
Auto-Owners has the cheapest auto insurance in Detroit for teen drivers.
The company charges $187 per month for liability-only coverage and $520 per month for full coverage, on average. That's roughly one-half the citywide average for both liability and full coverage. That's significantly cheaper than the next-cheapest options.
Monthly car insurance rates for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $187 | $520 |
| Allstate | $323 | $1,100 |
| Farm Bureau | $324 | $843 |
| AAA | $341 | $1,032 |
| Progressive | $497 | $1,286 |
*USAA is only available to current and former military members and their families.
The best way for teen drivers to save on their policy is to share a policy with their parents. You can also lower your monthly rate by taking advantage of discounts like student-away-from-home or good student discounts.
Cheapest car insurance after a speeding ticket: Progressive
Progressive has the cheapest rates for Detroit drivers who have a speeding ticket. A full coverage auto policy from Progressive costs $329 per month, on average.
That's roughly two-thirds the citywide average of $514 per month.
Cheapest coverage after a speeding ticket
Company | Monthly rate |
|---|---|
| Progressive | $329 |
| Auto-Owners | $362 |
| Farm Bureau | $517 |
| AAA | $600 |
| Allstate | $695 |
*USAA is only available to current and former military members and their families.
Insurance companies charge drivers who have speeding tickets higher rates because the companies think these drivers are more likely to file claims.
Cheapest car insurance in Detroit after an accident: Auto-Owners
Auto-Owners has the most affordable coverage for Detroit drivers with an at-fault accident. The company charges $362 per month for full coverage, on average. That's roughly two-thirds the Detroit average of $571 per month.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Auto-Owners | $362 |
| Progressive | $388 |
| Farm Bureau | $633 |
| AAA | $718 |
| State Farm | $784 |
*USAA is only available to current and former military members and their families.
Cheapest quotes for teens after a ticket or accident: Auto-Owners
Auto-Owners charges almost 60% less than the Detroit average for teenagers who've had a ticket or an accident.
A minimum coverage policy from Auto-Owners for a teen driver with a single speeding ticket or at-fault accident is $218 per month, on average. You would pay over $100 more per month with the next cheapest option, Farm Bureau.
Monthly minimum coverage rates for Detroit teens with a traffic violation
Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $218 | $218 |
| Farm Bureau | $324 | $396 |
| AAA | $378 | $434 |
| Allstate | $436 | $461 |
| Progressive | $523 | $564 |
*USAA is only available to current and former military members and their families.
Teen drivers who have an at-fault accident on their record typically pay much more for insurance. In Detroit, an accident will raise an 18-year-old's auto insurance rates by an average of $99 per month.
Cheapest car insurance for Detroit drivers with a DUI: Progressive
Progressive has the most affordable coverage for Detroit drivers who have a DUI. A full coverage policy costs $311 per month, on average. That's roughly one-quarter the Detroit average.
Cheapest Detroit car insurance after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $311 |
| Auto-Owners | $697 |
| AAA | $1,242 |
| Farm Bureau | $1,349 |
| State Farm | $1,844 |
*USAA is only available to current and former military members and their families.
In Detroit, a DUI will roughly triple your monthly rate, on average.
Average car insurance cost in Detroit by neighborhood
Auto insurance companies in Michigan can't consider your ZIP code when setting rates. But, rates differ by area because of other factors.
The cheapest parts of Detroit for auto-insurance include the northeastern corner of the city and the neighborhood surrounding the airport. The four most expensive neighborhoods are located further inland in the northwestern part of the city near Regent Park and Sherwood.
ZIP | Monthly Rate | % from average |
|---|---|---|
| 48201 | $752 | 3% |
| 48202 | $747 | 2% |
| 48203 | $725 | -1% |
| 48204 | $764 | 4% |
| 48205 | $796 | 9% |
Frequently asked questions
Who has the cheapest car insurance in Detroit?
Progressive has the cheapest full-coverage and liability-only policies, at $267 per month and $115 per month, on average, respectively. Auto-Owners has the cheapest coverage for Detroit drivers who have an accident on their record and teen drivers, including those who have a speeding ticket or who've been in an accident.
Is car insurance high in Detroit?
Yes, car insurance in Detroit is roughly one and a half times higher than the Michigan state average. It's also important to note that Michigan is the third-most expensive state for car insurance.
What are the best car insurance companies in Detroit, Michigan?
State Farm and USAA have the highest customer satisfaction ratings among top car insurance companies in Detroit, according to a recent J.D. Power study. Keep in mind that you can only buy a
Methodology
To find the best cheap car insurance in Detroit, MI, ValuePenguin collected quotes from seven of the most popular insurance companies in Michigan. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus liability limits that meet the Michigan state requirements.
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from public insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.