Cheapest Car Insurance Quotes in Detroit

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Detroit Car Insurance

^$ 123

/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 Detroit

The car insurance rate in Detroit is $4749 for a six-month policy, which is $3396 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1730, making it a popular choice for budget-conscious drivers. Rates in Detroit 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 Detroit

$4749

Avg. Car Insurance in Michigan

$1353

National Average

$1278

Cheapest Car Insurance Companies in Detroit

1st place: Travelers

At $1730 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $2211 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $2397 for six months, making it the third cheapest auto insurance company in Detroit.

Detroit Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Detroit, MI is Travelers, offering policies at just $1730 for a six-month term. This is followed by USAA, which has an average six-month premium of $2211.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $12801 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Detroit drivers find the best deals.

Cheap Car Insurance Companies in Detroit, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1730	$291
USAA	$2211	$372
Encompass	$2397	$407
Auto-Owners Insurance Co	$2461	$411
Chubb	$2587	$439
Farm Bureau Ins of MI	$3043	$509
Auto-Owners	$3191	$537
AAA	$3212	$541
Pioneer State Mutual Ins Co	$3313	$565
Progressive	$3398	$572
Westfield	$4128	$695
Farm Bureau	$5900	$983
Pioneer State Mutual	$6423	$1092
State Farm	$6859	$1155
Frankenmuth	$7297	$1243
Bristol West	$8234	$1372
Allstate	$6318	$1074
Farmers	$12801	$2176

Key Takeaways

Way's key takeaways about car insurance in Detroit

The auto insurance costs in Detroit fall around $1730 for six months.
The cheapest auto insurance company in Detroit is Travelers.
Teen drivers pay the highest rate in Detroit at $9982 per month.

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Cheapest Minimum Liability Car Insurance in Detroit

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 Detroit are given below.

Travelers provides the cheapest minimum car insurance coverage in Detroit. Their Average 6 Month Premium is $730. Farmers is the most expensive at $6651 for the same period.

Cheapest Liability Coverage in Detroit, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$730	$123
Westfield	$772	$130
USAA	$916	$154
Encompass	$1000	$168
Chubb	$1064	$183
Auto-Owners Insurance Co	$1148	$190
Auto-Owners	$1271	$214
Progressive	$1439	$242
AAA	$1460	$249
Farm Bureau Ins of MI	$1481	$246
Farm Bureau	$1857	$316
Pioneer State Mutual	$1878	$312
Frankenmuth	$2211	$376
State Farm	$3419	$576
Bristol West	$3440	$586
Allstate	$2689	$456
Farmers	$6651	$1109

Cheapest Full Coverage Car Insurance in Detroit

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 Detroit is Travelers at $291 per month and $1730 for six months.

Cheapest Full Coverage Car Insurance Quotes in Detroit, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1730	$291
USAA	$2211	$372
Encompass	$2397	$407
Auto-Owners Insurance Co	$2461	$411
Chubb	$2587	$439
Farm Bureau Ins of MI	$3043	$509
Auto-Owners	$3191	$537
AAA	$3212	$541
Pioneer State Mutual Ins Co	$3313	$565
Progressive	$3398	$572
Westfield	$4128	$695
Farm Bureau	$5900	$983
Pioneer State Mutual	$6423	$1092
State Farm	$6859	$1155
Frankenmuth	$7297	$1243
Bristol West	$8234	$1372
Allstate	$6318	$1074
Farmers	$12801	$2176

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Average Car Insurance in Detroit 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 Detroit, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Detroit, 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, Detroit's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Detroit

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 Detroit,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Detroit at $144 per month. At $58712 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$856	$144
Westfield	$916	$154
Encompass	$1000	$168
Chubb	$1190	$204
Auto-Owners Insurance Co	$1250	$207
Grange	$1625	$277
USAA	$3524	$593
Auto-Owners	$4419	$744
AAA	$5735	$965
Progressive	$8091	$1362
Farm Bureau	$9631	$1604
Pioneer State Mutual	$11299	$1920
Frankenmuth	$13468	$2246
State Farm	$18933	$3219
Allstate	$13678	$2327
Farmers	$58712	$9982

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 Detroit, Travelers is the cheapest car insurance provider. At $1397 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 Detroit is Farm Bureau Ins of MI, offering rates of around $4419 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1397	$232
Encompass	$1439	$246
Progressive	$2022	$337
Westfield	$2127	$362
Auto-Owners Insurance Co	$2253	$376
Pioneer State Mutual Ins Co	$2752	$467
Grange	$3482	$579
Farm Bureau Ins of MI	$4419	$751

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Car Insurance Rates with An Accident in Detroit

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

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

The cheapest car insurance companies after an at-fault accident in Detroit include Chubb and Westfield, offering $1064 and $1127, respectively. Farmers is an expensive provider with an average six-month premium of $17992.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1064	$183
Westfield	$1127	$186
Auto-Owners Insurance Co	$1313	$225
Encompass	$1481	$246
Farm Bureau Ins of MI	$1751	$298
Pioneer State Mutual Ins Co	$1938	$323
Travelers	$2064	$347
USAA	$2689	$453
Progressive	$3191	$537
Auto-Owners	$3710	$625
AAA	$4419	$744
Farm Bureau	$7213	$1204
Pioneer State Mutual	$7694	$1309
State Farm	$8694	$1450
Frankenmuth	$9382	$1597
Allstate	$10070	$1678
Farmers	$17992	$3061

Detroit Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Detroit MI. For example, the car insurance in Detroit after a DUI increases to $8424 for a six month policy. While the rate increases by $4588 for a six-month policy in the case of a speeding ticket.

Detroit auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$4588	$765
Failure to wear a seat belt	$5441	$927
Cell phone violation	$5774	$962
Texting while driving	$5774	$983
Illegal turn	$5795	$965
Wrong way/wrong lane	$5795	$986
Speeding in school zone	$5879	$979
Driving with expired registration	$5921	$1007
Failure to stop at a red light	$5985	$997
Improper passing	$5985	$1018
Speeding 16 - 20 MPH over limit	$6651	$1109
Open container	$7838	$1334
Driving with a suspended license	$8779	$1464
Racing	$11320	$1923
Reckless driving	$12303	$2050
Leaving scene of an accident/hit and run	$12615	$2145
DUI	$13012	$2169

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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 Detroit 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 Detroit.

The cheapest car insurance premiums in Detroit are offered by Chubb at $1064 for a six-month policy. However, it can be as expensive as $32857 with companies like Allstate.

Detroit car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1064	$176
Auto-Owners Insurance Co	$2815	$477
Grange	$2836	$474
Farmers	$2878	$488
Progressive	$3170	$534
Pioneer State Mutual Ins Co	$3419	$583
USAA	$3794	$639
Travelers	$4191	$713
Auto-Owners	$6778	$1141
Westfield	$6901	$1162
AAA	$7610	$1281
Bristol West	$9758	$1660
Pioneer State Mutual	$12281	$2046
Farm Bureau	$14447	$2457
State Farm	$17869	$3008
Frankenmuth	$32338	$5500
Allstate	$32857	$5476

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 Detroit are offered by Westfield at $916. However, it can be as expensive as $41471 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Detroit after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$916	$154
Chubb	$1064	$176
Encompass	$1127	$193
Travelers	$1376	$228
Auto-Owners Insurance Co	$1460	$249
Farm Bureau Ins of MI	$2085	$347
Grange	$2211	$376
Auto-Owners	$2773	$463
USAA	$2836	$481
AAA	$3587	$597
Farm Bureau	$3710	$632
Pioneer State Mutual	$4086	$681
Progressive	$4170	$702
Frankenmuth	$6673	$1113
State Farm	$12134	$2064
Allstate	$8234	$1400
Farmers	$41471	$7052

Car Insurance Price Trends in Detroit, Michigan

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

The average cost of full coverage in the Detroit remained steady at $737 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Detroit remained steady at $260 in both February and January, indicating no change over the two month period.

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Average Car Insurance Cost in Detroit 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 Detroit. At $4796 for a six-month policy, insuring your car at 48208 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
48208	$4796	$808
48209	$4938	$832
48206	$4844	$816
48228	$5128	$864
48207	$4891	$824
48226	$4796	$808
48204	$4891	$824
48205	$4986	$840
48227	$5033	$848
48202	$4844	$816
48224	$5033	$848
48201	$4844	$816
48223	$4938	$832
48221	$5033	$848
48219	$5081	$856
48217	$4796	$808
48215	$4796	$808
48216	$4749	$800
48238	$4891	$824
48235	$5081	$856
48213	$4891	$824
48214	$4891	$824
48211	$4749	$800
48234	$4986	$840
48210	$4938	$832

Frequently Asked Questions

How much is car insurance in Detroit?

The car insurance in Detroit is $123 per month, which is higher than the national average.

What is the cheapest car insurance in Detroit?

The cheapest car insurance in Detroit is $291 per month for full coverage.

How much is car insurance in Detroit for teenagers?

Car insurance for teenagers costs $856 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 Detroit?

The average cost of car insurance is $1353 for a six-month policy. It will cost around $800 per month to insure your car in Detroit.

Is car insurance expensive in Detroit?

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

Cheapest Car Insurance Quotes in Detroit

Why you can trust Way?

How Much Is Car Insurance in Detroit

Avg. Car Insurance in Detroit

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Detroit

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Detroit Car Insurance Rates by Company

Cheap Car Insurance Companies in Detroit, MI

Way's key takeaways about car insurance in Detroit

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Detroit

Cheapest Liability Coverage in Detroit, MI

Cheapest Full Coverage Car Insurance in Detroit

Cheapest Full Coverage Car Insurance Quotes in Detroit, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Detroit by Rating Factor

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

Car Insurance Premiums by Age in Detroit

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Detroit,MI

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

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 Detroit

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

Detroit Car Insurance Rates by Violation

Detroit auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Detroit after a DUI

Detroit car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Detroit after Speeding ticket

Car Insurance Price Trends in Detroit, Michigan

Average Car Insurance Cost in Detroit by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Detroit, MI

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

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