How Much Does Auto Insurance Cost in Detroit?
If you are insuring a vehicle in Detroit, understanding premium costs is especially imperative because premiums in Detroit are known for being costly. They are generally over double Michigan's average. We've analyzed how auto insurance rates in Detroit compare to premiums nationwide.
AUTO INSURANCE PRICES: DETROIT VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Detroit Auto Insurance by Marital Status and Gender
In Detroit, a lot of driver traits, including marital status and gender, play a role in car insurance premiums. You can save an average of $54 per year if you're married as opposed to single. On the other hand, widowed and divorced individuals pay the same as drivers who are single. Premiums for women are normally 3% more costly than for men.
DETROIT AUTO INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
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Detroit Car Insurance Premiums by Age
When you look across all age groups, drivers in their 50s have the smallest car insurance premiums. Their rates typically average $5,013. However, people in their 60s ($5,122) have premiums that aren't much higher. The biggest reduction in premiums between any age group is from the teenage age range to the 20s, as drivers in Detroit start saving $10,029. In Detroit, turning 60 means a rise in car insurance premiums. Up until then, progressing from one age group to the next means decreasing prices. With average rates of $17,016, teenage drivers are the ones who pay the most in car insurance premiums.
DETROIT CAR INSURANCE PREMIUMS BY DRIVER AGE
Detroit Auto Insurance After Accidents or Violations
Do you have an accident or violation on your driving record? That can have an impact on your car insurance rates. For individuals in Detroit with at-fault accidents, $2,745 is, on average, the additional cost for car insurance over the city average. Drivers with a DUI in Detroit need to spend nearly triple the average for the city to insure their vehicle. Reckless driving will also push your premiums up, with typical rates of $15,436, which are 185% higher than the city average!
AVERAGE DETROIT INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Premium|
|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|
Detroit Car Insurance by Credit Score
For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are $10,216 more a year. Drivers can save close to $4,200 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).
DETROIT CAR INSURANCE RATES BY CREDIT TIER
|Credit Score||Average Car Insurance Rate|
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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
Conner Insurance Group
31600 W 13 Mile Rd, Ste 130 Farmington Hills, MI 48334
31731 Northwestern Hwy #164W Farmington Hills, MI 48334
Bergstrom Insurance Agency
30701 W Ten Mile Rd Farmington Hills, MI 48336
Shores Agency Inc
710 Notre Dame Grosse Pointe, MI 48230
Donald K Pierce & Company
18118 Mack Grosse Pointe, MI 48230
HBL Insurance Agency LLC
31600 W 13 Mile Rd Farmington Hills, MI 48334
Al Bourdeau Insurance
30777 Northwestern Hwy Farmington Hills, MI 48334
The average Detroiter's annual cost of coverage
Our customer's average savings after comparing insurance
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