What's the average cost of car insurance in Detroit?
The typical Detroit driver pays $6,280 per year for auto insurance. That's more than the average in Michigan ($3,096) and more expensive than the national average of $1,548. Our guide to Detroit car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
DETROIT AUTO INSURANCE RATES
|Detroit Average (annual)||Michigan Average||National Average|
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Detroit car insurance rates by insurer
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Detroit, Progressive offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Detroit below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
DETROIT AUTO INSURANCE RATES BY COMPANY
|Insurer||Average Annual Rate|
Detroit auto insurance premiums by age
The age group that pays the least for car insurance in Detroit are drivers in their 50s ($5,953per year). Those in their 60s don't pay much more ($6,050).
The Detroit drivers who face the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Detroit is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Detroit is $10,061, the largest such difference between any two age brackets.
DETROIT CAR INSURANCE RATES BY DRIVER AGE
|Age group||Average Yearly Rate|
Detroit auto insurance costs by marital status and gender
Marital status and gender are contributing factors to car insurance rates in many cases. In Detroit, married drivers pay $51 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Detroit, insurance rates for those who are widowed are less expensive than rates for those who are single.
Another component of auto insurance pricing is gender. In Detroit, female drivers pay more for auto insurance than do male drivers: $180 per year, to be precise.
DETROIT AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
Detroit auto insurance premiums by driving history
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Detroit drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $13,502 per year versus the city average. A ticket for speeding results in a $4,273 rate hike, on average, while a DUI violation costs $13,069per year in insurance premiums.
DETROIT CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$9,163|
|At-fault Accident (damages greater than $2,000)||$10,083|
|Speeding Ticket (16-20 mph over speed limit)||$10,552|
Detroit auto insurance rates by credit level
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. Detroit drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 81% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Detroit, moving into the "Fair" credit tier corresponds to an average of $12,965 in savings on insurance each year.
DETROIT AUTO INSURANCE PREMIUMS BY CREDIT SCORE
|Credit Score||Average Yearly Rate|
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, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.
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
31731 Northwestern Hwy #164W, Farmington Hills, MI 48334
Bergstrom Insurance Agency
30701 W Ten Mile Rd Suite 400, Farmington Hills, MI 48336
Shores Agency Inc
710 Notre Dame, Grosse Pointe, MI 48230
Donald K Pierce & Company
18118 Mack, Grosse Pointe, MI 48230
Al Bourdeau Insurance
30777 Northwestern Hwy Suite 201, Farmington Hills, MI 48334
HBL Insurance Agency LLC
31600 W 13 Mile Rd Suite 130, Farmington Hills, MI 48334
Conner Insurance Group
31600 W 13 Mile Rd, Ste 130, Farmington Hills, MI 48334
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