What's the Average Cost of Car Insurance in Detroit?
On average, premiums in Michigan are nearly double the state average. Premiums run even higher in the city, so in Detroit, it is vital to cut costs while insuring a vehicle. Who doesn't like saving money? Check out some methods to save on auto insurance in Detroit.
INSURANCE PRICES: DETROIT VS. STATE/NATIONAL MEAN
|City Average||State Average||National Average|
Detroit Car Insurance by Gender and Marital Status
In Detroit, both gender and marital status can have an effect on your car insurance premiums. Premiums for men and women typically deviate by 3%, with women paying more. There is no difference in rates between those who are single and those who are widowed or divorced. In contrast, single individuals spend close to 1% more per year on car insurance compared to those who are married.
DETROIT CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Detroit Car Insurance Costs by Age
At $5,013, drivers in their 50s have the smallest insurance premiums among any age group. People in their 60s ($5,122) have premiums that aren't much higher. Car insurance premiums are highest for teenage drivers, with average payments of $17,016 per year. The most significant reduction in premiums for Detroit drivers happens when they hit their 20s. Once out of the teenage age bracket, individuals pay 59% less in premiums. In Detroit, turning 60 means a rise in insurance rates. Up until then, transitioning from one age group to the next means decreasing prices.
DETROIT AUTO INSURANCE COSTS BY DRIVER AGE
Detroit Auto Insurance by Credit Rating
Average car insurance premiums in Detroit for those with Very Poor credit (300-579) are 3.3x higher than for those with Exceptional credit (800-850). Drivers can save nearly $4,200 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).
DETROIT CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Quality||Average Auto Insurance Rate|
Detroit Car Insurance for High-Risk Drivers
A history of accidents and violations can cost you in terms of car insurance rates. In Detroit, drivers with a DUI have rates nearly triple the average for the city of $5,414. Reckless driving will bump your rates up as well, with typical rates of $15,436. That is 185% higher than the city average! In Detroit, those who are found at-fault in an accident pay 51% more than the city average on car insurance each year.
AVERAGE DETROIT INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|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|
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
Donald K Pierce & Company
18118 Mack Grosse Pointe, MI 48230
31731 Northwestern Hwy #164W Farmington Hills, MI 48334
Al Bourdeau Insurance
30777 Northwestern Hwy Farmington Hills, MI 48334
HBL Insurance Agency LLC
31600 W 13 Mile Rd Farmington Hills, MI 48334
Conner Insurance Group
31600 W 13 Mile Rd, Ste 130 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
The average Detroiter's annual cost of coverage
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Detroit Car Insurance
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