What's the average cost of car insurance in Detroit?


The typical Detroit driver pays $6,280 per year for auto insurance. That's more than the average in Michigan ($3,096) and more expensive than the national average of $1,548. Our guide to Detroit car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!


DETROIT AUTO INSURANCE RATES
Detroit Average (annual)Michigan AverageNational Average
$6,280$3,096$1,548

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Detroit car insurance rates by insurer


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Detroit, Progressive offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Detroit below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


DETROIT AUTO INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
Progressive$4,071
AAA$4,324
State Farm$7,010
The Hanover$10,683
Allstate$11,436

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



Detroit auto insurance premiums by age

The age group that pays the least for car insurance in Detroit are drivers in their 50s ($5,953per year). Those in their 60s don't pay much more ($6,050).

The Detroit drivers who face the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Detroit is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Detroit is $10,061, the largest such difference between any two age brackets.


DETROIT CAR INSURANCE RATES BY DRIVER AGE
Age groupAverage Yearly Rate
Teenagers$17,812
20s$7,752
30s$6,291
40s$6,272
50s$5,953
60s$6,050
70s$7,035

Learn more about how age influences auto insurance rates.



Detroit auto insurance costs by marital status and gender


Marital status and gender are contributing factors to car insurance rates in many cases. In Detroit, married drivers pay $51 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Detroit, insurance rates for those who are widowed are less expensive than rates for those who are single.

Another component of auto insurance pricing is gender. In Detroit, female drivers pay more for auto insurance than do male drivers: $180 per year, to be precise.


DETROIT AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$6,460
Male$6,280
Single$6,229
Married$6,229
Divorced$6,280
Widowed$6,280

Read more about the relationships between gender, marital status and insurance rates.



Detroit auto insurance premiums by driving history


Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Detroit drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $13,502 per year versus the city average. A ticket for speeding results in a $4,273 rate hike, on average, while a DUI violation costs $13,069per year in insurance premiums.


DETROIT CAR INSURANCE RATES AFTER A COLLISION OR CITATION
ViolationAverage Yearly Rate
DWI/DUI$19,348
Reckless Driving$19,782
At-fault Accident (damages < $1,000)$9,163
At-fault Accident (damages greater than $2,000)$10,083
Speeding Ticket (16-20 mph over speed limit)$10,552

Learn more about citations' impact on your auto insurance rates.



Detroit auto insurance rates by credit level


Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. Detroit drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 81% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Detroit, moving into the "Fair" credit tier corresponds to an average of $12,965 in savings on insurance each year.


DETROIT AUTO INSURANCE PREMIUMS BY CREDIT SCORE
Credit ScoreAverage Yearly Rate
Very Poor$21,362
Fair$8,397
Good$6,280
Very Good$5,059
Exceptional$4,078

Get additional information on how credit impacts car insurance costs.



What drives up car insurance rates in Detroit?

Where you live in Detroit affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Detroit is no exception to the rule. From ZIP code 48236 to 48227, premiums rise by 103 percent—that’s $3135.

Expensive Detroit ZIP codes: 48201, 48202, 48206, 48204, 48227

Cheap Detroit ZIP codes: 48236, 48242, 48239, 48233, 48243

Detroit Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Detroit, you can expect 135 rainy days with an annual rainfall of 33.5 inches. Detroit is also known to experience severe winter storms.

135

Rainy Days a Year

34"

Avg. Annual Rainfall

43"

Avg. Annual Snowfall

Be Prepared For

Driving in the Motor City

2
Major Highways
U.S. 12 I-74 1-95
2
Public Transit
DDOT Bus

Detroit People Mover

SMART Bus
2
Toll Roads
Detroit-Windsor Tunnel Ambassador Bridge Website
2
Popular Day Trips
Tahquamenon Falls Frankenmuth Silver Lake State Park

Find Local Detroit Agents

HBL Insurance Agency LLC

31600 W 13 Mile Rd Suite 130, Farmington Hills, MI 48334

Bergstrom Insurance Agency

30701 W Ten Mile Rd Suite 400, Farmington Hills, MI 48336

Conner Insurance Group

31600 W 13 Mile Rd, Ste 130, Farmington Hills, MI 48334

Shores Agency Inc

710 Notre Dame, Grosse Pointe, MI 48230

Al Bourdeau Insurance

30777 Northwestern Hwy Suite 201, Farmington Hills, MI 48334

Future Assurance

31731 Northwestern Hwy #164W, Farmington Hills, MI 48334

Donald K Pierce & Company

18118 Mack, Grosse Pointe, MI 48230

2

$5,193

The average Detroiter's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

831

That's equal to 831 coney dogs or $2,077 in savings

See How Much You Can Save in Detroit

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Recent Questions:

Detroit Car Insurance

Can I get storage insurance if my auto insurance is being canceled?

Most financing companies will require you to have comprehensive and collision coverage which means you would not be able to get storage insurance. Check with your finance company to see what options you have.

Lying about the primary driver on a car insurance policy wrong

It is considered illegal to lie about who the listed primary driver is and who actually drives the car most frequently. Depending on the situation, it can either be classified as a misdemeanor or a felony.

Should I get gap insurance or is full coverage enough?

Gap insurance is designed to work with your comprehensiveand collisioncoverage, not as a substitute. Basically, gap insurance will kick in if you total your vehicle and the amount you paid out by your insurance company isn't enough to cover the value of the loan.

Can I reduce my car insurance coverage after I retire?

Although you are retired, you are still required to carry the state's minimum insurance limits - which include PIP coverage. Because Michigan is a no-fault state, your occupation status unfortunately does not matter here.