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 Average||State Average||National Average|
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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 Level||Average Auto Insurance Rate|
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/Gender||Average Rate|
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
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
|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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in the Motor City
Major HighwaysU.S. 12 I-74 1-95
Toll RoadsDetroit-Windsor Tunnel Ambassador Bridge Website
Find Local Detroit Agents
Donald K Pierce & Company
18118 Mack Grosse Pointe, MI 48230
Shores Agency Inc
710 Notre Dame Grosse Pointe, MI 48230
HBL Insurance Agency LLC
31600 W 13 Mile Rd Farmington Hills, MI 48334
31731 Northwestern Hwy #164W Farmington Hills, MI 48334
Al Bourdeau Insurance
30777 Northwestern Hwy Farmington Hills, MI 48334
Conner Insurance Group
31600 W 13 Mile Rd, Ste 130 Farmington Hills, MI 48334
Bergstrom Insurance Agency
30701 W Ten Mile Rd Farmington Hills, MI 48336
The average Detroiter's annual cost of coverage
Our customer's average savings after comparing insurance
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