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
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 Zip Codes48201 48202 48206 48204 48227
Cheap Zip Codes48236 48242 48239 48233 48243
Be Prepared For
Driving in the Motor City
Major HighwaysU.S. 12 I-74 1-95
Toll RoadsDetroit-Windsor Tunnel Ambassador Bridge Website
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
Find Local Detroit Agents
HBL Insurance Agency LLC
31600 W 13 Mile Rd Farmington Hills, MI 48334
Donald K Pierce & Company
18118 Mack Grosse Pointe, MI 48230
Al Bourdeau Insurance
30777 Northwestern Hwy Farmington Hills, MI 48334
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