How Much Does Car Insurance Cost in Detroit?


Premiums in Detroit, which are over double Michigan's average, are known for being costly. So in Detroit, it is important to cut costs while insuring a vehicle. We've analyzed how auto insurance rates in Detroit compare to costs nationwide.


INSURANCE PREMIUMS: DETROIT VS. US/STATE AVERAGES
City AverageState AverageNational Average
$5,464$2,564$1,569


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Detroit Auto Insurance by Credit Rating


Improving your credit can save you a sizable bundle of money. Those in the bottom credit tier (300-579) pay an average of $12,176 more each year on premiums than those in the top credit tier (800-850). In terms of percent change, the greatest benefit of better credit comes from rising from Very Poor (300-579) to Fair (580-669), by which drivers can save around 55% per year.


DETROIT CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Auto Insurance Rate
Very Poor$16,491
Fair$7,444
Good$5,464
Very Good$4,842
Exceptional$4,314


Detroit Car Insurance by Marital Status and Gender


In Detroit, several driver attributes, including gender and marital status, can play a part in car insurance premiums. $206 is the amount by which men's and women's car insurance premiums vary. People who are married save close to $50 per year compared to those who are single. In contrast, widowed and divorced individuals pay the same as drivers who are single.


DETROIT CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$5,671
Male$5,464
Single$2,704
Married$2,656
Divorced$2,704
Widowed$2,704


Detroit Car Insurance Premiums by Age

The biggest fall in premiums for Detroit drivers happens when they hit their 20s. Once out of the teenage age range, people reduce their premiums by 60%. Turning 60 causes a rise in car insurance premiums, but up until that point drivers can anticipate premium reductions when they move between age groups. Drivers in their 70s save money on premiums, as they have the lowest rates among all age groups, paying only $3,931 annually. Teenage drivers have the highest rates out of all the age groups. They have average car insurance payments of $17,323.


DETROIT CAR INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$17,323
20s$6,972
30s$5,469
40s$5,418
50s$5,066
60s$5,168
70s$3,931


Detroit Car Insurance by Accident or Violation History


By knowing which driving mishaps can make your insurance rates spike, you can make better decisions and save money. Reckless driving will increase your car insurance premiums more than other driving violations. $10,186 is the additional cost per year for drivers with a DUI in Detroit, compared to the city average of $5,464. Reckless driving will also drive your premiums up, with average rates of $15,963. That is 192% higher than the city average! Insurance rates are affected by at-fault accident history, and more specifically, by how much damage was done in the accidents. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you an extra $186 per year in premiums.


AVERAGE DETROIT INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI/DWI$15,650
Reckless Driving$15,963
At-fault Accident (damages less than $1,000)$7,939
At-fault Accident (damages greater than $2,000)$8,125
Speeding Ticket (16-20 mph over speed limit)$9,088


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

2
Major Highways
U.S. 12 I-74 1-95
2
Toll Roads
Detroit-Windsor Tunnel Ambassador Bridge Website
2
Popular Day Trips
Tahquamenon Falls Frankenmuth Silver Lake State Park

Car Insurance Companies in Detroit

Find Local Detroit Agents

HBL Insurance Agency LLC

31600 W 13 Mile Rd Farmington Hills, MI 48334

Future Assurance

31731 Northwestern Hwy #164W Farmington Hills, MI 48334

Al Bourdeau Insurance

30777 Northwestern Hwy Farmington Hills, MI 48334

Bergstrom Insurance Agency

30701 W Ten Mile Rd Farmington Hills, MI 48336

Donald K Pierce & Company

18118 Mack Grosse Pointe, MI 48230

Conner Insurance Group

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

Shores Agency Inc

710 Notre Dame 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.

If I have car loan insurance but not an actual insurance policy, will my vehicle be covered if something happens?

It really will depend on what you mean by "car loan" insurance. If your finance company added comprehensive and collision coverage to your monthly car payment because your insurance policy canceled then you'll likely be covered only for the remaining amount on your loan.

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.

Additional Resources:

Detroit Car Insurance

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