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How much does Car Insurance cost in Detroit?

The average auto insurance premium in Detroit is $6294 per year. This is more expensive than the Michigan average of $3095 and the national average of $1557. According to with our recommendations, average rates for Detroit car insurance are based on age, credit score, driving history, and marital status. Continue reading to find out more!

Detroit Rates vs Michigan vs National Average

Detroit Average (annual) Michigan Average National Average
$6294 $3095 $1557

Detroit Auto Insurance Premiums By Company

The greatest method to save money on auto insurance is to compare quotes from as many companies as possible before choosing the one that offers the best deal. Progressive offers the most affordable premiums for the average insurance consumer in Detroit.

The best affordable car insurance providers in Detroit are listed below. Use this data as a starting point, but make sure to compare quotations tailored to your driving profile.

Insurance Company Average Rate (annual)
Progressive $4086
AAA $4338
State Farm $7020
The Hanover $10698
Allstate $11448

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Detroit Auto Insurance Premiums By Age Group

People in their 60s pay $6057. Getting out of your teen years is one of the simplest methods to cut your auto insurance costs as a driver in Detroit. In Detroit, the gap in car insurance rates paid by teenagers and drivers in their twenties is $10,061, the biggest difference between them.

Age tier Average Yearly Rate
20's $7764
30's $6312
60's $6057

Detroit Auto Insurance Premiums By Marital Status

In many circumstances, marital status plays a role in car insurance costs. In Detroit, married drivers pay $51 less for car insurance than unmarried drivers. In most places, married drivers pay lower rates than single drivers because they make fewer insurance claims, according to research.

Rates for widowed people are likewise significantly lower than for single people. Insurance rates for widowed people in Detroit are lower than for single people.

Marital Status Average Annual Rate
Single $6471
Married $6420
Divorced $6291
Widowed $6291

Detroit Auto Insurance Premiums By Gender

Gender is also a factor in auto insurance premiums. For example, female drivers in Detroit pay more for auto insurance than male drivers: $180 per year, to be exact.

Gender Average Annual Rate
Female $6471
Male $6291

Detroit Auto Insurance Premiums By Driving Record

Maintaining a spotless driving record is a good method to lower your insurance premiums. At-fault collisions, DUIs, reckless driving charges, and speeding tickets are all factors that lead to high auto insurance costs, as insurance firms reward low-risk drivers with lower rates.

When it comes to auto insurance, reckless drivers in Detroit pay the price, with a cost increase of $13502 per year compared to the city average. A speeding citation costs $4281, whereas a DUI conviction costs $13077 per year in insurance rates.

Incident/Violation Average Yearly Rate
DUI/DWI $19348
Reckless Driving $19796
At-fault Accident $10098
Speeding Ticket $10575

Detroit Auto Insurance Premiums By Credit Rating

Another important component in insurance rating is the credit score. Car insurance is often more expensive for drivers with poor credit records than excellent credit histories. Drivers in Detroit can save up to 81% on their car insurance premiums by improving their credit score from "Very Poor" (300-579) to "Exceptional" (800-850).

If your credit score improves from "Very Poor" to "Fair," you may be eligible for a price reduction on your auto insurance. Moving into the "Fair" credit tier in Detroit saves $12,965 in insurance costs per year.

Credit Score Average Yearly Rate
Very Poor $21375
Fair $8409
Good $6294
Very Good $5070
Exceptional $4089

Detroit Auto Insurance Premiums By Zip Code

Even within the same city, the cost of car insurance might vary dramatically. For example, if you live near a busy road or in an area where auto theft is common, you may have to pay more for car insurance. The highest and least costly communities in Detroit were separated by 60% in price.

ZIP code Annual car insurance rates
48201 $8436
48202 $8349
48203 $8442
48204 $8991
48205 $9252
48206 $9180
48207 $8277
48208 $8685
48209 $7593
48210 $8502

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What would increase your Car Insurance Rate in Detroit?

Michigan drivers should prepare to brace themselves, as auto insurance rates are expected to rise this year. Many insurers, according to experts, are raising premiums by double digits. According to them, the increased rates result from inflation as firms seek to offset greater costs.

Auto theft statistics in Detroit

In Detroit, car theft is a serious problem. In 2021, cars were stolen at a higher rate in Detroit than in any other large Michigan city, with an average of 12 thefts per 1000 persons. That's more than the statewide average of 2.3 thefts per 1000 people and more than treble the rate in Lansing, which has the second-highest theft rate of any large Michigan city.

Theft rank City Motor vehicle thefts in 2019
1 Detroit 6,886
2 Lansing 367
3 Dearborn 266
4 Warren 356
5 Grand Rapids 501
6 Flint 207
7 Clinton Township 156
8 Livonia 112
9 Ann Arbor 138
10 Sterling Heights 96

Accidents Statistics in Detroit

People get hurt in car accidents in Detroit regularly, unfortunately. For example, car accidents accounted for 18.4% of all unintentional deaths in Detroit in 2021.

Last year, there were 246696 traffic collisions in Michigan. According to road safety officials, Michigan motorists were more likely to participate in risky behaviors, likely influenced by drug or alcohol impairment, mobile phone distractions, and a lack of seat belt use. They also sped up significantly and drove with less regard for pedestrian safety.

Accident statistics in Detroit
Total Crashes 245,432
Fatal Crashes 1,010
Fatalities 1083
Injury Crashes 44417
Injuries 60986
Total Motor Vehicles Involved in Crashes 404286
Total Units Involved in Crashes 407340
Total People Involved in Crashes 480400

Be Prepared for Driving in Detroit

If you frequently visit Detroit, Michigan's largest city, or other parts of the state, it's critical to be aware of the state's driving rules.

Seat belts: In Detroit, the driver and front-seat passenger of a motor vehicle operating on a street or highway must wear a properly adjusted and fastened safety belt, though there are some exceptions, such as if someone has a note from a physician stating that they are physically or medically unable to wear a safety belt. All rear-seat passengers aged 4 to 15 must wear a properly buckled safety belt, and passengers aged 16 and up are advised to do so.

Children and car seats : If your child is under four, you must observe the state's child restraint statute. A kid must be properly restrained in a child restraint device (booster seat) by the manufacturer's and cars' manufacturer's recommendations if they are four years or older but less than eight years old and less than 4 feet 9 inches tall. In addition, a youngster must be secured in a properly adjusted and fitted safety belt for four years or older but under 16 and 4 feet 9 inches or taller.

Driving while intoxicated : It is illegal for a driver over the age of 21 to have a BAC of 0.08% or higher, or 0.02% or more if under 21.

In Detroit, anyone driving with a BAC of 0.17 percent or higher faces additional penalties. Drivers who show evidence of intoxication can be arrested at any BAC level. Those in possession of any amount of a controlled substance such as heroin or cocaine face the same fines and penalties as drunk drivers, even if they show no signs of intoxication.

Driving too fast : The maximum speed limit in Detroit is 75 miles per hour (mph). However, in rural areas, freeway speeds for passenger cars and trucks range from 70 to 75 mph, while non-freeway speeds for cars and trucks range from 55 to 65 mph.

Toll roads : Toll roads do not exist in Detroit. However, they do exist in neighboring cities. State transportation officials have considered the issue, claiming that toll-free motorways are crucial for tourism, economic development, and commerce.

In an emergency, call 911 : If an accident happens, each driver should exchange their names and addresses and the registration numbers of the automobiles involved, and their driver's license information.

Contact the nearest police station and make a police complaint; remember that Detroit is a "No-Blame" insurance state. Therefore, regardless of who was at fault, drivers must seek compensation from their own insurance companies.

Move over Lane : Move over one lane if possible and reduce your speed to 10 mph below the posted speed limit if you notice emergency, police, fire, or tow vehicles on the side of the road with their lights flashing.

Aggressive drivers : Some drivers tailgate, run red lights and stop signs, weave their cars in and out of traffic, pass on the right when it is illegal, honk, and scream in every state. If you contact an aggressive motorist and it is safe to do so, stay away from them, ignore their gestures, and report the behavior to the authorities.

While Detroit winters are far from predictable, drivers will likely experience more than a little snow. So it's helpful to know what to expect in terms of snow and ice on Detroit-area roads, how to prepare for driving in cold weather, and some winter driving skills.

When there is 3 inches or more of snow on the ground, the Department of Public Works uses a three-pronged strategy to remove it off major roadways, residential streets, and bike lanes.

Look for signage indicating snow emergency routes on the roads: Parking is not permitted when plowing is in progress .

Winter tires are recommended to optimize safety in hazardous conditions with heavy snow.

Car Insurance Companies in Detroit

For car insurance, Detroit is one of the most expensive cities in the United States. For car insurance, it is the most expensive major city in the United States and the third-most-expensive city of any size in Michigan.

On the other hand, drivers can save up to 66% on car insurance by shopping around for the cheapest deal.

We have listed out the top car insurance companies in Detroit below:

Car Insurance Companies  
Secura Hastings Mutual
Chubb Pioneer State
USAA Auto-Owners Insurance
Encompass
Michigan Insurance Westfield
Farmers Frankenmuth
Wolverine Mutual Hanover

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQ

How much is car insurance in Detroit?

The average annual car insurance cost in Detroit is $6294. This amount is about 121% more than the national average.

Why is Detroit car insurance so high?

Detroit is raising income tax rates. The crime rate is also very high.

How can I get affordable car insurance in Detroit?

Getting cheap car insurance in Detroit is difficult. One of the best ways to get cheap car insurance in Detroit is by comparing car insurance rates from various car insurance companies.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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