Cheapest Car Insurance Quotes in Dearborn

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406,175 Policies Sold

Dearborn Car Insurance

^$ 69

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Dearborn

The car insurance rate in Dearborn is $2595 for a six-month policy, which is $1271 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $966, making it a popular choice for budget-conscious drivers. Rates in Dearborn can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Dearborn

$2595

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Dearborn

1st place: Travelers

At $966 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1235 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1339 for six months, making it the third cheapest auto insurance company in Dearborn.

Dearborn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dearborn, MI is Travelers, offering policies at just $966 for a six-month term. This is followed by USAA, which has an average six-month premium of $1235.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1595 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dearborn drivers find the best deals.

Cheap Car Insurance Companies in Dearborn, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$966	$163
USAA	$1235	$208
Encompass	$1339	$227
Auto-Owners Insurance Co	$1374	$229
Chubb	$1445	$245
Farm Bureau Ins of MI	$1699	$284
Auto-Owners	$1782	$300
AAA	$1793	$302
Pioneer State Mutual Ins Co	$1850	$316
Progressive	$1897	$319
Westfield	$2305	$388
Farm Bureau	$3295	$549
Pioneer State Mutual	$3587	$610
State Farm	$3830	$645
Frankenmuth	$4075	$694
Bristol West	$4598	$766
Allstate	$3528	$600
Farmers	$7148	$1215
Hastings Mutual	$1595	$267

Key Takeaways

Way's key takeaways about car insurance in Dearborn

The auto insurance costs in Dearborn fall around $966 for six months.
The cheapest auto insurance company in Dearborn is Travelers.
Teen drivers pay the highest rate in Dearborn at $1893 per month.

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Cheapest Minimum Liability Car Insurance in Dearborn

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Dearborn are given below.

Travelers provides the cheapest minimum car insurance coverage in Dearborn. Their Average 6 Month Premium is $408. Farmers is the most expensive at $3714 for the same period.

Cheapest Liability Coverage in Dearborn, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$408	$69
Westfield	$431	$73
USAA	$512	$86
Encompass	$559	$94
Chubb	$594	$102
Auto-Owners Insurance Co	$641	$106
Auto-Owners	$710	$120
Progressive	$804	$135
AAA	$815	$139
Farm Bureau Ins of MI	$827	$137
Farm Bureau	$1037	$176
Pioneer State Mutual	$1049	$174
Frankenmuth	$1235	$210
State Farm	$1909	$321
Bristol West	$1921	$327
Allstate	$1501	$255
Farmers	$3714	$619

Cheapest Full Coverage Car Insurance in Dearborn

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Dearborn is Travelers at $163 per month and $966 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dearborn, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$966	$163
USAA	$1235	$208
Encompass	$1339	$227
Auto-Owners Insurance Co	$1374	$229
Chubb	$1445	$245
Farm Bureau Ins of MI	$1699	$284
Auto-Owners	$1782	$300
AAA	$1793	$302
Pioneer State Mutual Ins Co	$1850	$316
Progressive	$1897	$319
Westfield	$2305	$388
Farm Bureau	$3295	$549
Pioneer State Mutual	$3587	$610
State Farm	$3830	$645
Frankenmuth	$4075	$694
Bristol West	$4598	$766
Allstate	$3528	$600
Farmers	$7148	$1215
Hastings Mutual	$1595	$267

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Average Car Insurance in Dearborn by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Dearborn, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Dearborn, Michigan, may be increasing due to several external factors. Michigan has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Dearborn's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Dearborn

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Dearborn,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Dearborn at $80 per month. At $11362 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$478	$80
Westfield	$512	$86
Encompass	$559	$94
Chubb	$664	$114
Auto-Owners Insurance Co	$698	$116
Grange	$907	$155
USAA	$1968	$331
Auto-Owners	$2468	$416
AAA	$3203	$539
Progressive	$4518	$760
Farm Bureau	$5378	$896
Pioneer State Mutual	$6309	$1072
Frankenmuth	$7521	$1254
State Farm	$10572	$1797
Allstate	$7638	$1299
Farmers	$32785	$5574
Bristol West	$11362	$1893

Teen Car Insurance Rates in MI by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Dearborn, Travelers is the cheapest car insurance provider. At $780 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Dearborn is Farm Bureau Ins of MI, offering rates of around $2468 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$780	$129
Encompass	$804	$137
Progressive	$1129	$188
Westfield	$1188	$202
Auto-Owners Insurance Co	$1258	$210
Pioneer State Mutual Ins Co	$1537	$261
Grange	$1944	$323
Farm Bureau Ins of MI	$2468	$419

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Car Insurance Rates with An Accident in Dearborn

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Dearborn, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Dearborn

The cheapest car insurance companies after an at-fault accident in Dearborn include Chubb and Westfield, offering $594 and $629, respectively. Pioneer State is an expensive provider with an average six-month premium of $931.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$594	$102
Westfield	$629	$104
Auto-Owners Insurance Co	$733	$125
Encompass	$827	$137
Farm Bureau Ins of MI	$978	$167
Pioneer State Mutual Ins Co	$1082	$180
Travelers	$1152	$194
USAA	$1501	$253
Progressive	$1782	$300
Auto-Owners	$2072	$349
AAA	$2468	$416
Farm Bureau	$4028	$672
Pioneer State Mutual	$4296	$731
State Farm	$4855	$809
Frankenmuth	$5239	$892
Allstate	$5623	$937
Farmers	$10047	$1709
Pioneer State	$931	$155

Dearborn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dearborn MI. For example, the car insurance in Dearborn after a DUI increases to $4704 for a six month policy. While the rate increases by $2562 for a six-month policy in the case of a speeding ticket.

Dearborn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2562	$427
Failure to wear a seat belt	$3038	$517
Cell phone violation	$3224	$537
Texting while driving	$3224	$549
Illegal turn	$3236	$539
Wrong way/wrong lane	$3236	$551
Speeding in school zone	$3283	$547
Driving with expired registration	$3307	$563
Failure to stop at a red light	$3342	$557
Improper passing	$3342	$568
Speeding 16 - 20 MPH over limit	$3714	$619
Open container	$4377	$745
Driving with a suspended license	$4902	$817
Racing	$6321	$1074
Reckless driving	$6870	$1145
Leaving scene of an accident/hit and run	$7044	$1198
DUI	$7266	$1211

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Dearborn after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Dearborn.

The cheapest car insurance premiums in Dearborn are offered by Chubb at $594 for a six-month policy. However, it can be as expensive as $18348 with companies like Allstate.

Dearborn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$594	$98
Auto-Owners Insurance Co	$1572	$267
Grange	$1584	$265
Farmers	$1607	$272
Progressive	$1770	$298
Pioneer State Mutual Ins Co	$1909	$325
USAA	$2119	$357
Travelers	$2340	$398
Auto-Owners	$3785	$637
Westfield	$3853	$649
AAA	$4249	$715
Bristol West	$5449	$927
Pioneer State Mutual	$6858	$1143
Farm Bureau	$8067	$1372
State Farm	$9978	$1680
Frankenmuth	$18057	$3071
Allstate	$18348	$3058

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Dearborn are offered by Westfield at $512. However, it can be as expensive as $23157 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dearborn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$512	$86
Chubb	$594	$98
Encompass	$629	$108
Travelers	$768	$127
Auto-Owners Insurance Co	$815	$139
Farm Bureau Ins of MI	$1164	$194
Grange	$1235	$210
Auto-Owners	$1548	$259
USAA	$1584	$269
AAA	$2003	$333
Farm Bureau	$2072	$353
Pioneer State Mutual	$2281	$380
Progressive	$2328	$392
Frankenmuth	$3726	$621
State Farm	$6776	$1152
Allstate	$4598	$782
Farmers	$23157	$3938

Car Insurance Price Trends in Dearborn, Michigan

Car insurance rates in Dearborn have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Dearborn dipped by $412 in January compared to $525 of December. In other words, there has been an decrease by $113 when you compare January and December.

The average cost of liability insurance in the Dearborn dipped to $145 in January, compared to $174 in December. This represents an decrease of $29 when comparing January and December.

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Average Car Insurance Cost in Dearborn by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Dearborn. At $2880 for a six-month policy, insuring your car at 48128 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
48128	$2880	$485
48126	$3918	$659
48124	$3347	$563
48120	$2776	$467

Frequently Asked Questions

How much is car insurance in Dearborn?

The car insurance in Dearborn is $69 per month, which is lower than the national average.

What is the cheapest car insurance in Dearborn?

The cheapest car insurance in Dearborn is $163 per month for full coverage.

How much is car insurance in Dearborn for teenagers?

Car insurance for teenagers costs $478 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Dearborn?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $437 per month to insure your car in Dearborn.

Is car insurance expensive in Dearborn?

Car insurance can be expensive in Dearborn if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Dearborn can be affordable.

Cheapest Car Insurance Quotes in Dearborn

Why you can trust Way?

How Much Is Car Insurance in Dearborn

Avg. Car Insurance in Dearborn

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Dearborn

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Dearborn Car Insurance Rates by Company

Cheap Car Insurance Companies in Dearborn, MI

Way's key takeaways about car insurance in Dearborn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dearborn

Cheapest Liability Coverage in Dearborn, MI

Cheapest Full Coverage Car Insurance in Dearborn

Cheapest Full Coverage Car Insurance Quotes in Dearborn, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dearborn by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Dearborn, MI increasing?

Car Insurance Premiums by Age in Dearborn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dearborn,MI

If you are in your twenties N/A is the best choice for car insurance in Dearborn.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Dearborn

Cheapest Car Insurance Companies after an At-Fault Accident in Dearborn

Dearborn Car Insurance Rates by Violation

Dearborn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dearborn after a DUI

Dearborn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dearborn after Speeding ticket

Car Insurance Price Trends in Dearborn, Michigan

Average Car Insurance Cost in Dearborn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dearborn, MI

Car Insurance Rates by State in the USA (2025 Update)

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