Cheapest Car Insurance Quotes in Dearborn

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Dearborn Car Insurance

^$ 79

/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 $2707 for a six-month policy, which is $1504 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1109, 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

$2707

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Dearborn

1st place: Travelers

At $1109 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1391 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1537 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 $1109 for a six-month term. This is followed by USAA, which has an average six-month premium of $1391.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1832 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	$1109	$187
USAA	$1391	$234
Encompass	$1537	$257
Auto-Owners Insurance Co	$1577	$268
Chubb	$1658	$277
Auto-Owners	$1859	$313
AAA	$1897	$320
Farm Bureau Ins of MI	$1951	$331
Pioneer State Mutual Ins Co	$2124	$353
Progressive	$2124	$358
Westfield	$2646	$446
Farm Bureau	$2981	$506
State Farm	$3796	$639
Allstate	$4050	$689
Bristol West	$5279	$880
Farmers	$8206	$1395
Hastings Mutual	$1832	$306

Key Takeaways

Way's key takeaways about car insurance in Dearborn

The auto insurance costs in Dearborn fall around $1109 for six months.
The cheapest auto insurance company in Dearborn is Travelers.
Teen drivers pay the highest rate in Dearborn at $2174 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 $468. Hastings Mutual is the most expensive at $801 for the same period.

Cheapest Liability Coverage in Dearborn, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$468	$79
Westfield	$495	$83
USAA	$628	$106
Encompass	$641	$108
Chubb	$682	$113
Auto-Owners Insurance Co	$736	$126
Auto-Owners	$869	$146
Farm Bureau Ins of MI	$950	$162
Progressive	$977	$164
AAA	$1163	$198
Farm Bureau	$1469	$245
Allstate	$1724	$293
Bristol West	$2205	$367
State Farm	$2365	$398
Farmers	$4264	$711
Hastings Mutual	$801	$133

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 $187 per month and $1109 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dearborn, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1109	$187
USAA	$1391	$234
Encompass	$1537	$257
Auto-Owners Insurance Co	$1577	$268
Chubb	$1658	$277
Auto-Owners	$1859	$313
AAA	$1897	$320
Farm Bureau Ins of MI	$1951	$331
Pioneer State Mutual Ins Co	$2124	$353
Progressive	$2124	$358
Westfield	$2646	$446
Farm Bureau	$2981	$506
State Farm	$3796	$639
Allstate	$4050	$689
Bristol West	$5279	$880
Farmers	$8206	$1395
Hastings Mutual	$1832	$306

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$628
30s	USAA	$477
40s	USAA	$457
50s	USAA	$439
60s	Chubb	$401
70s	Chubb	$439

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 $92 per month. At $13043 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$549	$92
Westfield	$587	$99
Encompass	$641	$108
Chubb	$763	$131
Auto-Owners Insurance Co	$801	$133
Grange	$1042	$178
USAA	$2113	$356
Auto-Owners	$2527	$425
AAA	$3368	$567
Farm Bureau	$4851	$826
Progressive	$5200	$875
Allstate	$8768	$1492
State Farm	$8996	$1499
Farmers	$37636	$6399
Bristol West	$13043	$2174

Teen Car Insurance Rates in MI by Age

Way Tip

If you are in your twenties Chubb is the best choice for car insurance in Dearborn.

As young drivers face the highest rates in Dearborn, Chubb offers the cheapest auto insurance rates at $628 for six months.

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 $896 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 $2833 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$896	$153
Encompass	$923	$153
Progressive	$1296	$221
Westfield	$1364	$227
Auto-Owners Insurance Co	$1445	$245
Pioneer State Mutual Ins Co	$1764	$295
Grange	$2232	$380
Farm Bureau Ins of MI	$2833	$473

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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 $682 and $722, respectively. Pioneer State is an expensive provider with an average six-month premium of $1069.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$682	$117
Westfield	$722	$119
Auto-Owners Insurance Co	$842	$144
Encompass	$950	$158
Farm Bureau Ins of MI	$1123	$191
Pioneer State Mutual Ins Co	$1242	$207
Travelers	$1323	$223
USAA	$1658	$279
Progressive	$1832	$308
Auto-Owners	$2045	$344
AAA	$2619	$441
Farm Bureau	$3650	$608
State Farm	$4156	$707
Allstate	$6455	$1076
Farmers	$11534	$1962
Pioneer State	$1069	$178

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 $5400 for a six month policy. While the rate increases by $2941 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	$2941	$491
Failure to wear a seat belt	$3488	$594
Cell phone violation	$3701	$617
Texting while driving	$3701	$630
Illegal turn	$3715	$619
Wrong way/wrong lane	$3715	$632
Speeding in school zone	$3769	$628
Driving with expired registration	$3796	$646
Failure to stop at a red light	$3836	$639
Improper passing	$3836	$653
Speeding 16 - 20 MPH over limit	$4264	$711
Open container	$5024	$855
Driving with a suspended license	$5627	$938
Racing	$7256	$1233
Reckless driving	$7886	$1314
Leaving scene of an accident/hit and run	$8087	$1375
DUI	$8341	$1391

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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 $682 for a six-month policy. However, it can be as expensive as $21062 with companies like Allstate.

Dearborn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$682	$113
Auto-Owners Insurance Co	$1805	$306
Grange	$1818	$304
Progressive	$1937	$326
Pioneer State Mutual Ins Co	$2192	$365
USAA	$2365	$398
Travelers	$2687	$448
Auto-Owners	$4064	$684
Westfield	$4424	$745
AAA	$4570	$770
Bristol West	$6255	$1042
Farmers	$6415	$1080
Farm Bureau	$7592	$1265
State Farm	$9556	$1609
Allstate	$21062	$3510

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 $587. However, it can be as expensive as $26584 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	$587	$99
Chubb	$682	$113
Encompass	$722	$124
Travelers	$882	$146
Auto-Owners Insurance Co	$936	$160
Farm Bureau Ins of MI	$1337	$223
USAA	$1391	$236
Grange	$1418	$236
Auto-Owners	$1951	$331
Progressive	$2860	$482
AAA	$2900	$493
Farm Bureau	$2914	$486
Allstate	$5279	$898
State Farm	$8861	$1476
Farmers	$26584	$4520

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 $603 in December compared to $619 of November. In other words, there has been an decrease by $16 when you compare December and November.

The average cost of liability insurance in the Dearborn rose to $200 in December, compared to $185 in November. This represents an increase of $15 when comparing December and November.

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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 $3004 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	$3004	$504
48126	$4087	$686
48124	$3491	$586
48120	$2896	$486

Frequently Asked Questions

How much is car insurance in Dearborn?

The car insurance in Dearborn is $79 per month, which is lower than the national average.

What is the cheapest car insurance in Dearborn?

The cheapest car insurance in Dearborn is $187 per month for full coverage.

How much is car insurance in Dearborn for teenagers?

Car insurance for teenagers costs $549 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 $1203 for a six-month policy. It will cost around $455 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 Chubb 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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