Car Insurance in Detroit
On average, Detroit premiums are over double Michigan's average, so in Detroit, it is imperative to cut costs while insuring a vehicle. Why don't we go over some tips on how to save on car insurance in Detroit?
- City Average: $5,414
- State Average: $2,610
- National Average: $1,427
Detroit Car Insurance by Age
When you look across all age groups, drivers in their 50s tend to have the lowest insurance rates. Their rates usually average $5,013/year. However, those in their 60s ($5,122) aren’t paying significantly more. The greatest drop in premiums between any age group is from the teenage age range to the 20s, as drivers in Detroit start saving 59% on car insurance. When drivers turn 60, they will experience a premium increase related to their age for the first time. Car insurance premiums are highest for teenage drivers, with payments that average $17,016 per year.
- Teenagers: $17,016
- 20s: $6,987
- 30s: $5,436
- 40s: $5,358
- 50s: $5,013
- 60s: $5,122
- 70s: $5,975
Detroit Car Insurance by Accident or Violation History
Accidents and violations on your record can cost you in terms of car insurance rates. A DUI will increase your car insurance premiums more than other driving violations. $10,466 is the extra cost per year for drivers with a DUI in Detroit, compared to the city average of $5,414. Reckless driving will also bump your premiums up, with typical rates of $15,436, which are 185% higher than the city average! For those in Detroit with at-fault accidents, car insurance is an average of $2,745 more per year.
- DUI: $15,880
- Reckless Driving: $15,436
- At-fault Accident (damages less than $1000): $8,159
- At-fault Accident (damages greater than $2000): $8,159
- Speeding Ticket (16-20 mph over speed limit): $9,102
Detroit Car Insurance by Credit Rating
For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are nearly 3.3x higher. Drivers will see the largest drop in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them $4,200 per year.
- Very Poor: $14,672
- Fair: $10,472
- Good: $8,011
- Very Good: $5,943
- Exceptional: $4,456
Detroit Car Insurance by Gender and Marital Status
Pricing for car insurance premiums in Detroit is determined by numerous considerations, including gender and marital status. Rates for those who are divorced or widowed are the same as rates for single individuals. In contrast, single individuals spend around 1% more per year on car insurance compared to those who are married. Luckily for men, their premiums tend to be 3% cheaper than for women.
- Female: $5,575
- Male: $5,414
- Single: $5,414
- Married: $5,360
- Divorced: $5,414
- Widowed: $5,414
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
Al Bourdeau Insurance
30777 Northwestern Hwy Farmington Hills, MI 48334
Shores Agency Inc
710 Notre Dame Grosse Pointe, MI 48230
HBL Insurance Agency LLC
31600 W 13 Mile Rd Farmington Hills, MI 48334
Donald K Pierce & Company
18118 Mack Grosse Pointe, MI 48230
31731 Northwestern Hwy #164W Farmington Hills, MI 48334
Bergstrom Insurance Agency
30701 W Ten Mile Rd Farmington Hills, MI 48336
Conner Insurance Group
31600 W 13 Mile Rd, Ste 130 Farmington Hills, MI 48334
Click below to get free quotes in seconds!
Ready to get car insurance, Detroit?
The average Detroiter's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Detroit
Click below to get free quotes in seconds!Start Saving Now!
Detroit Car Insurance
Seriously, What is Wrong with Michigan Car Insurance?
Jul 10, 2017
Auto insurance rates have been steadily rising year over year all across the country, but in no state is this...
Uber vs. Ambulances: Comparing Price, Safety & Response Time
Jun 21, 2017
Imagine it’s the middle of the night, and you wake up to intense pain. You’re alone and in no condition...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
Will Self-Driving Cars Make Us More Productive?
Feb 04, 2017
The average American spends about 25.4 minutes commuting to work, about an hour a day on the road. When self-driving...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
7 Can’t-Miss Car Museums Across the U.S.
Oct 28, 2016
Admiring automobiles is a classic American pastime: In fact, there are more than 100 museums dedicated to cars in the...
Who’s to Blame? Defining “Fault” in an Insurance Scenario
Sep 07, 2016
To the uninitiated, fault sounds easy enough: it ought to be assigned to the perpetrator of a crash, right? And...
From Joy Ride to Safety First: Car Ads Over the Past 50 Years
Aug 25, 2016
Advertisements for cars over the past 50 years reveal a lot about what people in the U.S. hold dear. In...
50 Research-Based Tips to Save on Car Insurance
Aug 08, 2016
Finding the right car insurance can be frustrating and complex — no thanks to varying state coverage requirements and overhyped...
Answering Every FAQ About Driverless Cars
Jul 27, 2016
Driverless cars—also called an autonomous vehicles—are all over the news. Although we keep hearing about them, there’s still tons of confusion over...
Car Sharing: Driving for Commitment-Phobes
Jul 07, 2016
The sharing economy grows bigger each day, and pioneers like Uber, Lyft, and Airbnb make it clear the concept isn’t...
Should You Use the Mechanic Your Insurance Company Recommends?
Jun 13, 2016
After your car is damaged in a wreck (or vandalism, or a weather event), you’ll document the damage and exchange...
Study: Poor Credit Will Cost You Double for Car Insurance
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...
Green Car Shopping: Electric Vs. Fuel Cell Vehicles
Mar 22, 2016
Already considering “going green” for your next car? Fist bump to you, friend. Now comes the part where you have...
Can Driverless Cars Handle the Elements?
Mar 07, 2016
Human drivers have enough trouble in bad weather: we need to look no further than the most recent massive winter...
Ridesharing’s Unexpected Danger? Aggressive Passengers
Mar 02, 2016
When ridesharing first came on the scene, potential customers wondered if they’d be safe: the idea of getting in a...
GM Has Entered the Race for Self-Driving Cars
Nov 23, 2015
Something that perhaps isn’t discussed enough when talking about the advent of autonomous vehicles is driving itself. Specifically, the fact...
What is PIP Insurance and Do You Really Need It?
Nov 16, 2015
Commonly called PIP for short, personal injury protection insurance protects you against—you guessed it—personal injury. If you get in an...
The 10 Most Car-Friendly Colleges in the U.S.
Aug 17, 2015
As we’ve detailed before, and as any driver already knows, car ownership is expensive. The annual cost to own and...
How a Fake Town Will Change the Future of Driverless Cars
Jul 23, 2015
With headlines like Malfunction! Driverless robot cars are crashing into people in California the public experienced a brief panic at...
How Far Should Cell Phone Bans Go?
Dec 31, 2014
The new law Austinites (and our neighbors down south in San Antonio) must abide by starting January 1, 2015, is...
The Future of Car Safety
Aug 29, 2014
How better to prepare for the ambiguous future than with a specific plan in mind now? Automotive technology is changing...
7 Scientific Reasons We Text & Drive and 3 Practical Solutions for Quitting
May 27, 2014
It was part of Dr. Gregory Gass’s job to be on call for his patients—and staff—24/7. A pyschiatrist at an...