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 AverageState AverageNational Average
$5,414$2,610$1,427


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/GenderAverage Rate
Female$5,575
Male$5,414
Single$5,414
Married$5,360
Divorced$5,414
Widowed$5,414


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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
AgeAverage Rate
Teenagers$17,016
20s$6,987
30s$5,436
40s$5,358
50s$5,013
60s$5,122
70s$5,975


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/ViolationAverage Annual Premium
DUI$15,880
Reckless Driving$15,436
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 ScoreAverage Car Insurance Rate
Very Poor$14,672
Fair$10,472
Good$8,011
Very Good$5,943
Exceptional$4,456


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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.

135

Rainy Days a Year

34"

Avg. Annual Rainfall

43"

Avg. Annual Snowfall

Be Prepared For

Driving in the Motor City

2
Major Highways
U.S. 12 I-74 1-95
2
Toll Roads
Detroit-Windsor Tunnel Ambassador Bridge Website
2
Popular Day Trips
Tahquamenon Falls Frankenmuth Silver Lake State Park

Car Insurance Companies in Detroit

Find Local Detroit Agents

Conner Insurance Group

31600 W 13 Mile Rd, Ste 130 Farmington Hills, MI 48334

Future Assurance

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

See All

2

$5,193

The average Detroiter's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

_icon-city-hot-dog

831

That's equal to 831 coney dogs or $2,077 in savings

See How Much You Can Save in Detroit

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