Cheapest Car Insurance Quotes in Dearborn Heights

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Dearborn Heights Car Insurance

^$ 70

/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 Heights

The car insurance rate in Dearborn Heights is $2394 for a six-month policy, which is $1191 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $981, making it a popular choice for budget-conscious drivers. Rates in Dearborn Heights 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 Heights

$2394

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Dearborn Heights

1st place: Travelers

At $981 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1230 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1359 for six months, making it the third cheapest auto insurance company in Dearborn Heights.

Dearborn Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dearborn Heights, MI is Travelers, offering policies at just $981 for a six-month term. This is followed by USAA, which has an average six-month premium of $1230.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1620 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dearborn Heights drivers find the best deals.

Cheap Car Insurance Companies in Dearborn Heights, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$981	$165
USAA	$1230	$207
Encompass	$1359	$227
Auto-Owners Insurance Co	$1395	$237
Chubb	$1467	$245
Auto-Owners	$1644	$277
AAA	$1678	$283
Farm Bureau Ins of MI	$1725	$293
Pioneer State Mutual Ins Co	$1879	$312
Progressive	$1879	$316
Westfield	$2340	$394
Farm Bureau	$2637	$448
State Farm	$3357	$565
Allstate	$3582	$609
Bristol West	$4669	$778
Farmers	$7258	$1234
Hastings Mutual	$1620	$271

Key Takeaways

Way's key takeaways about car insurance in Dearborn Heights

The auto insurance costs in Dearborn Heights fall around $981 for six months.
The cheapest auto insurance company in Dearborn Heights is Travelers.
Teen drivers pay the highest rate in Dearborn Heights at $1922 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Dearborn Heights

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 Heights are given below.

Travelers provides the cheapest minimum car insurance coverage in Dearborn Heights. Their Average 6 Month Premium is $414. Hastings Mutual is the most expensive at $708 for the same period.

Cheapest Liability Coverage in Dearborn Heights, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$414	$70
Westfield	$438	$74
USAA	$555	$94
Encompass	$567	$96
Chubb	$603	$100
Auto-Owners Insurance Co	$651	$111
Auto-Owners	$768	$129
Farm Bureau Ins of MI	$840	$143
Progressive	$864	$145
AAA	$1029	$175
Farm Bureau	$1299	$217
Allstate	$1524	$259
Bristol West	$1950	$324
State Farm	$2091	$352
Farmers	$3771	$629
Hastings Mutual	$708	$117

Cheapest Full Coverage Car Insurance in Dearborn Heights

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 Heights is Travelers at $165 per month and $981 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dearborn Heights, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$981	$165
USAA	$1230	$207
Encompass	$1359	$227
Auto-Owners Insurance Co	$1395	$237
Chubb	$1467	$245
Auto-Owners	$1644	$277
AAA	$1678	$283
Farm Bureau Ins of MI	$1725	$293
Pioneer State Mutual Ins Co	$1879	$312
Progressive	$1879	$316
Westfield	$2340	$394
Farm Bureau	$2637	$448
State Farm	$3357	$565
Allstate	$3582	$609
Bristol West	$4669	$778
Farmers	$7258	$1234
Hastings Mutual	$1620	$271

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Average Car Insurance in Dearborn Heights 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 Heights, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Dearborn Heights, 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 Heights'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 Heights

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	$555
30s	USAA	$422
40s	USAA	$404
50s	USAA	$388
60s	Chubb	$354
70s	Chubb	$388

Cheapest Car Insurance Rates for Teen Drivers in Dearborn Heights,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Dearborn Heights at $82 per month. At $11536 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$486	$82
Westfield	$519	$88
Encompass	$567	$96
Chubb	$675	$115
Auto-Owners Insurance Co	$708	$117
Grange	$921	$157
USAA	$1869	$314
Auto-Owners	$2235	$376
AAA	$2979	$501
Farm Bureau	$4290	$730
Progressive	$4599	$774
Allstate	$7755	$1319
State Farm	$7956	$1325
Farmers	$33287	$5660
Bristol West	$11536	$1922

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 Heights.

As young drivers face the highest rates in Dearborn Heights, Chubb offers the cheapest auto insurance rates at $555 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 Heights, Travelers is the cheapest car insurance provider. At $792 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 Heights is Farm Bureau Ins of MI, offering rates of around $2505 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$792	$135
Encompass	$816	$135
Progressive	$1146	$195
Westfield	$1206	$201
Auto-Owners Insurance Co	$1278	$217
Pioneer State Mutual Ins Co	$1560	$261
Grange	$1974	$336
Farm Bureau Ins of MI	$2505	$418

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Dearborn Heights.

Car Insurance Rates with An Accident in Dearborn Heights

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 Heights, MI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Dearborn Heights include Chubb and Westfield, offering $603 and $639, respectively. Pioneer State is an expensive provider with an average six-month premium of $945.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$603	$103
Westfield	$639	$105
Auto-Owners Insurance Co	$744	$127
Encompass	$840	$139
Farm Bureau Ins of MI	$993	$169
Pioneer State Mutual Ins Co	$1098	$183
Travelers	$1170	$197
USAA	$1467	$247
Progressive	$1620	$273
Auto-Owners	$1809	$304
AAA	$2316	$390
Farm Bureau	$3228	$537
State Farm	$3676	$625
Allstate	$5709	$951
Farmers	$10201	$1735
Pioneer State	$945	$157

Dearborn Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dearborn Heights MI. For example, the car insurance in Dearborn Heights after a DUI increases to $4776 for a six month policy. While the rate increases by $2601 for a six-month policy in the case of a speeding ticket.

Dearborn Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2601	$434
Failure to wear a seat belt	$3085	$525
Cell phone violation	$3274	$545
Texting while driving	$3274	$557
Illegal turn	$3285	$547
Wrong way/wrong lane	$3285	$559
Speeding in school zone	$3333	$555
Driving with expired registration	$3357	$571
Failure to stop at a red light	$3393	$565
Improper passing	$3393	$577
Speeding 16 - 20 MPH over limit	$3771	$629
Open container	$4444	$756
Driving with a suspended license	$4977	$830
Racing	$6418	$1091
Reckless driving	$6975	$1162
Leaving scene of an accident/hit and run	$7152	$1216
DUI	$7377	$1230

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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 Heights 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 Heights.

The cheapest car insurance premiums in Dearborn Heights are offered by Chubb at $603 for a six-month policy. However, it can be as expensive as $18628 with companies like Allstate.

Dearborn Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$603	$100
Auto-Owners Insurance Co	$1596	$271
Grange	$1608	$269
Progressive	$1713	$289
Pioneer State Mutual Ins Co	$1938	$322
USAA	$2091	$352
Travelers	$2376	$396
Auto-Owners	$3594	$605
Westfield	$3912	$659
AAA	$4042	$681
Bristol West	$5532	$921
Farmers	$5673	$955
Farm Bureau	$6714	$1118
State Farm	$8452	$1423
Allstate	$18628	$3104

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 Heights are offered by Westfield at $519. However, it can be as expensive as $23512 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dearborn Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$519	$88
Chubb	$603	$100
Encompass	$639	$109
Travelers	$780	$129
Auto-Owners Insurance Co	$828	$141
Farm Bureau Ins of MI	$1182	$197
USAA	$1230	$209
Grange	$1254	$209
Auto-Owners	$1725	$293
Progressive	$2529	$426
AAA	$2565	$436
Farm Bureau	$2577	$430
Allstate	$4669	$794
State Farm	$7837	$1305
Farmers	$23512	$3998

Car Insurance Price Trends in Dearborn Heights, Michigan

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

The average cost of full coverage in the Dearborn Heights dipped by $533 in December compared to $547 of November. In other words, there has been an decrease by $14 when you compare December and November.

The average cost of liability insurance in the Dearborn Heights rose to $177 in December, compared to $163 in November. This represents an increase of $14 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Dearborn Heights?

The car insurance in Dearborn Heights is $70 per month, which is lower than the national average.

What is the cheapest car insurance in Dearborn Heights?

The cheapest car insurance in Dearborn Heights is $165 per month for full coverage.

How much is car insurance in Dearborn Heights for teenagers?

Car insurance for teenagers costs $486 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 Heights?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $402 per month to insure your car in Dearborn Heights.

Is car insurance expensive in Dearborn Heights?

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

Cheapest Car Insurance Quotes in Dearborn Heights

Why you can trust Way?

How Much Is Car Insurance in Dearborn Heights

Avg. Car Insurance in Dearborn Heights

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Dearborn Heights

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Dearborn Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Dearborn Heights, MI

Way's key takeaways about car insurance in Dearborn Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dearborn Heights

Cheapest Liability Coverage in Dearborn Heights, MI

Cheapest Full Coverage Car Insurance in Dearborn Heights

Cheapest Full Coverage Car Insurance Quotes in Dearborn Heights, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dearborn Heights by Rating Factor

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

Car Insurance Premiums by Age in Dearborn Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dearborn Heights,MI

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

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 Heights

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

Dearborn Heights Car Insurance Rates by Violation

Dearborn Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dearborn Heights after a DUI

Dearborn Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dearborn Heights after Speeding ticket

Car Insurance Price Trends in Dearborn Heights, Michigan

Average Car Insurance Cost in Dearborn Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dearborn Heights, MI

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

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