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|
Find car insurance near me today:
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
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
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
The average Detroiter's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Detroit
Just enter your zip code to get started
Detroit Car Insurance
Detroit Car Insurance
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...