What's the Average Cost of Car Insurance in Detroit?


On average, premiums in Michigan are nearly double the state average. Premiums run even higher in the city, so in Detroit, it is vital to cut costs while insuring a vehicle. Who doesn't like saving money? Check out some methods to save on auto insurance in Detroit.


INSURANCE PRICES: DETROIT VS. STATE/NATIONAL MEAN
City AverageState AverageNational Average
$5,414$2,610$1,427


Detroit Car Insurance by Gender and Marital Status


In Detroit, both gender and marital status can have an effect on your car insurance premiums. Premiums for men and women typically deviate by 3%, with women paying more. There is no difference in rates between those who are single and those who are widowed or divorced. In contrast, single individuals spend close to 1% more per year on car insurance compared to those who are married.


DETROIT CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$5,575
Male$5,414
Single$5,414
Married$5,360
Divorced$5,414
Widowed$5,414


Detroit Car Insurance Costs by Age

At $5,013, drivers in their 50s have the smallest insurance premiums among any age group. People in their 60s ($5,122) have premiums that aren't much higher. Car insurance premiums are highest for teenage drivers, with average payments of $17,016 per year. The most significant reduction in premiums for Detroit drivers happens when they hit their 20s. Once out of the teenage age bracket, individuals pay 59% less in premiums. In Detroit, turning 60 means a rise in insurance rates. Up until then, transitioning from one age group to the next means decreasing prices.


DETROIT AUTO INSURANCE COSTS BY DRIVER AGE
AgeAverage Rate
Teenagers$17,016
20s$6,987
30s$5,436
40s$5,358
50s$5,013
60s$5,122
70s$5,975


Detroit Auto Insurance by Credit Rating


Average car insurance premiums in Detroit for those with Very Poor credit (300-579) are 3.3x higher than for those with Exceptional credit (800-850). Drivers can save nearly $4,200 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).


DETROIT CAR INSURANCE RATES BY CREDIT LEVEL
Credit QualityAverage Auto Insurance Rate
Very Poor$14,672
Fair$10,472
Good$8,011
Very Good$5,943
Exceptional$4,456


Detroit Car Insurance for High-Risk Drivers


A history of accidents and violations can cost you in terms of car insurance rates. In Detroit, drivers with a DUI have rates nearly triple the average for the city of $5,414. Reckless driving will bump your rates up as well, with typical rates of $15,436. That is 185% higher than the city average! In Detroit, those who are found at-fault in an accident pay 51% more than the city average on car insurance each year.


AVERAGE DETROIT INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI/DWI$15,880
Reckless Driving$15,436
At-fault Accident (damages less than $1,000)$8,159
At-fault Accident (damages greater than $2,000)$8,159
Speeding Ticket (16-20 mph over speed limit)$9,102


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

135

Rainy Days a Year

34"

Avg. Annual Rainfall

43"

Avg. Annual Snowfall

Be Prepared For

Driving in the Motor City

Major Highways
U.S. 12 I-74 1-95
Toll Roads
Detroit-Windsor Tunnel Ambassador Bridge Website
Popular Day Trips
Tahquamenon Falls Frankenmuth Silver Lake State Park

Car Insurance Companies in Detroit

Find Local Detroit Agents

Future Assurance

31731 Northwestern Hwy #164W Farmington Hills, MI 48334

Bergstrom Insurance Agency

30701 W Ten Mile Rd Farmington Hills, MI 48336

Al Bourdeau Insurance

30777 Northwestern Hwy Farmington Hills, MI 48334

Shores Agency Inc

710 Notre Dame Grosse Pointe, MI 48230

Conner Insurance Group

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

HBL Insurance Agency LLC

31600 W 13 Mile Rd Farmington Hills, MI 48334

Donald K Pierce & Company

18118 Mack Grosse Pointe, MI 48230

See All

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$5,193

The average Detroiter's annual cost of coverage

40%

Our customer's average savings after comparing insurance

831

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

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Detroit Car Insurance

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