Cheapest Car Insurance Quotes in Detroit

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401,895 Policies Sold

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 $4223 for a six-month policy, which is $3020 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

$4223

Avg. Car Insurance in Michigan

$1203

National Average

$1140

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 $2169 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 $2169.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $2857 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	$2169	$365
Encompass	$2397	$400
Auto-Owners Insurance Co	$2461	$418
Chubb	$2587	$432
Auto-Owners	$2899	$488
AAA	$2959	$498
Farm Bureau Ins of MI	$3043	$516
Pioneer State Mutual Ins Co	$3313	$551
Progressive	$3313	$558
Westfield	$4128	$695
Farm Bureau	$4651	$790
State Farm	$5921	$997
Allstate	$6318	$1074
Bristol West	$8234	$1372
Farmers	$12801	$2176
Hastings Mutual	$2857	$477

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 $3391 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	$979	$165
Encompass	$1000	$168
Chubb	$1064	$176
Auto-Owners Insurance Co	$1148	$197
Auto-Owners	$1355	$228
Farm Bureau Ins of MI	$1481	$253
Progressive	$1523	$256
AAA	$1815	$309
Farm Bureau	$2292	$383
Allstate	$2689	$456
Bristol West	$3440	$572
State Farm	$3689	$621
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	$2169	$365
Encompass	$2397	$400
Auto-Owners Insurance Co	$2461	$418
Chubb	$2587	$432
Auto-Owners	$2899	$488
AAA	$2959	$498
Farm Bureau Ins of MI	$3043	$516
Pioneer State Mutual Ins Co	$3313	$551
Progressive	$3313	$558
Westfield	$4128	$695
Farm Bureau	$4651	$790
State Farm	$5921	$997
Allstate	$6318	$1074
Bristol West	$8234	$1372
Farmers	$12801	$2176
Hastings Mutual	$2857	$477

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$979
30s	USAA	$744
40s	USAA	$713
50s	USAA	$684
60s	Chubb	$625
70s	Chubb	$684

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 $20347 for a six-month premium, Bristol West 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	$3296	$555
Auto-Owners	$3942	$663
AAA	$5254	$885
Farm Bureau	$7568	$1288
Progressive	$8112	$1365
Allstate	$13678	$2327
State Farm	$14033	$2338
Farmers	$58712	$9982
Bristol West	$20347	$3391

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 Detroit.

As young drivers face the highest rates in Detroit, Chubb offers the cheapest auto insurance rates at $979 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 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	$239
Encompass	$1439	$239
Progressive	$2022	$344
Westfield	$2127	$355
Auto-Owners Insurance Co	$2253	$383
Pioneer State Mutual Ins Co	$2752	$460
Grange	$3482	$593
Farm Bureau Ins of MI	$4419	$737

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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. Pioneer State is an expensive provider with an average six-month premium of $1667.

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	$2587	$435
Progressive	$2857	$481
Auto-Owners	$3191	$537
AAA	$4086	$688
Farm Bureau	$5693	$948
State Farm	$6483	$1102
Allstate	$10070	$1678
Farmers	$17992	$3061
Pioneer State	$1667	$277

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
Progressive	$3022	$509
Pioneer State Mutual Ins Co	$3419	$569
USAA	$3689	$621
Travelers	$4191	$698
Auto-Owners	$6339	$1067
Westfield	$6901	$1162
AAA	$7129	$1200
Bristol West	$9758	$1625
Farmers	$10007	$1685
Farm Bureau	$11843	$1973
State Farm	$14907	$2510
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
USAA	$2169	$369
Grange	$2211	$369
Auto-Owners	$3043	$516
Progressive	$4461	$751
AAA	$4524	$769
Farm Bureau	$4545	$758
Allstate	$8234	$1400
State Farm	$13822	$2303
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 $941 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Detroit remained steady at $312 in both January and December, 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 $4264 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	$4264	$716
48209	$4391	$737
48206	$4306	$723
48228	$4560	$765
48207	$4349	$730
48226	$4264	$716
48204	$4349	$730
48205	$4433	$744
48227	$4475	$751
48202	$4306	$723
48224	$4475	$751
48201	$4306	$723
48223	$4391	$737
48221	$4475	$751
48219	$4518	$758
48217	$4264	$716
48215	$4264	$716
48216	$4222	$709
48238	$4349	$730
48235	$4518	$758
48213	$4349	$730
48214	$4349	$730
48211	$4222	$709
48234	$4433	$744
48210	$4391	$737

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 $1203 for a six-month policy. It will cost around $709 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 Chubb 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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