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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

What is the average cost of car insurance in Dearborn?

The average cost of auto insurance in Dearborn is $5,147 per year. That's more expensive than the average rate in Michigan ($3,096) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status and other factors in Dearborn.

Dearborn Average (annual) Michigan Average National Average
$5,147 $3,096 $1,548

Table of contents:

Dearborn auto insurance rates by provider

A smart way to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Dearborn, AAA offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in Dearborn. Don't forget to get car insurance quotes based on your unique driving profile.

Insurance Company Average Annual Rate
AAA $3,011
AAA $3,438
Progressive $3,587
State Farm $5,237
The Hanover $8,830

Check out our guide to learn how to find the best cheap car insurance.

Dearborn auto insurance premiums by age

Dearborn drivers in their 50s pay relatively affordable car insurance rates just $4,928 each year, on average. Those in their 60s don't pay significantly more ($5,017).

Young drivers aged 16 to 19 pay the most for car insurance in Dearborn. One of the most effective ways to lower your car insurance rates as a driver in Dearborn is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Dearborn is $8,542, the largest such difference between any two age brackets.

Age Average Annual Rate
Teenagers $14,888
20s $6,346
30s $5,234
40s $5,215
50s $4,928
60s $5,017
70s $5,849

Learn more about the impact of age on auto insurance rates.

Dearborn car insurance rates by marital status and gender

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers usually pay less for car insurance than drivers who are single. In Dearborn, married motorists pay $49 less than single drivers for auto insurance.

Gender is another factor that can affect auto insurance rates. In Dearborn, female drivers pay $149 per year more than do male drivers.

Gender/Marital Status Average Annual Rate
Female $5,296
Male $5,147
Single $5,147
Married $5,098
Divorced $5,147
Widowed $5,147

Learn more about how gender and marital status have on car insurance rates.

Dearborn auto insurance premiums by violation history

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Dearborn, a reckless driving citation results in an average insurance rate increase of $11,640 per year, compared to the citywide average. For comparison's sake, a DUI offense results in an $11,258 increase, and a speeding ticket triggers a $3,581 rate hike.

Incident Average Yearly Rate
DUI/DWI $16,405
Reckless Driving $16,787
At-fault Accident (damages < $1,000) $7,636
At-fault Accident (damages greater than $2,000) $8,384
Speeding Ticket (16-20 mph over speed limit) $8,728

Learn more about how citations can raise your auto insurance rates.

Dearborn car insurance premiums by credit score

An important insurance rating factor in most states is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In Dearborn, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 76% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a good way to lower your auto insurance costs. In Dearborn, improving your credit to "Fair" could help you earn $5,030 in savings on insurance premiums each year.

Credit Tier Average Rate (annual)
Very Poor $15,469
Fair $10,439
Good $7,366
Very Good $5,598
Exceptional $3,735

Get more information on how credit impacts car insurance costs.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.