Cheapest Car Insurance Quotes in Detroit

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Detroit Car Insurance

^$ 41

/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 $886 for a six-month policy, which is $26 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $398, 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

$886

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Detroit

1st place: Kemper

At $398 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Capital Insurance Group

Capital Insurance Group offers auto insurance rates at $630 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $741 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, OR is Kemper, offering policies at just $398 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $630.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1627 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, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$398	$68
Capital Insurance Group	$630	$105
American Family	$741	$125
Country Financial	$759	$128
Travelers	$789	$133
Progressive	$814	$137
Encompass	$832	$141
State Farm	$851	$143
Nationwide	$863	$145
USAA	$863	$145
Mutual of Enumclaw	$1144	$195
Farmers	$1211	$204
Allstate	$1627	$274

Key Takeaways

Way's key takeaways about car insurance in Detroit

The auto insurance costs in Detroit fall around $398 for six months.
The cheapest auto insurance company in Detroit is Kemper.
Teen drivers pay the highest rate in Detroit at $964 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.

Kemper provides the cheapest minimum car insurance coverage in Detroit. Their Average 6 Month Premium is $245. Allstate is the most expensive at $887 for the same period.

Cheapest Liability Coverage in Detroit, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$245	$41
Capital Insurance Group	$324	$56
State Farm	$349	$59
USAA	$361	$61
Progressive	$379	$64
Travelers	$379	$64
Country Financial	$385	$65
American Family	$422	$71
California Casualty	$465	$77
Nationwide	$489	$82
Farmers	$655	$110
Allstate	$887	$149

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 Kemper at $68 per month and $398 for six months.

Cheapest Full Coverage Car Insurance Quotes in Detroit, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$398	$68
Capital Insurance Group	$630	$105
American Family	$741	$125
Country Financial	$759	$128
Travelers	$789	$133
Progressive	$814	$137
Encompass	$832	$141
State Farm	$851	$143
Nationwide	$863	$145
USAA	$863	$145
Mutual of Enumclaw	$1144	$195
Farmers	$1211	$204
Allstate	$1627	$274

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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, OR increasing?

Despite maintaining a clean driving record, your car insurance rates in Detroit, Oregon, may be increasing due to several external factors. Oregon 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	USAA	$657
30s	USAA	$536
40s	USAA	$496
50s	USAA	$477
60s	USAA	$496
70s	USAA	$604

Cheapest Car Insurance Rates for Teen Drivers in Detroit,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Detroit at $38 per month. At $5727 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$227	$38
Capital Insurance Group	$385	$64
Country Financial	$1022	$172
Travelers	$1352	$228
USAA	$1432	$241
State Farm	$1523	$256
American Family	$2087	$351
Progressive	$2362	$398
Nationwide	$3995	$680
Farmers	$5684	$957
Allstate	$5727	$964

Teen Car Insurance Rates in OR by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Detroit.

As young drivers face the highest rates in Detroit, USAA offers the cheapest auto insurance rates at $657 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, Kemper is the cheapest car insurance provider. At $410 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 State Farm, offering rates of around $3126 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$410	$68
Capital Insurance Group	$477	$81
Nationwide	$593	$99
Country Financial	$955	$161
Progressive	$985	$166
American Family	$1169	$197
Travelers	$1273	$214
USAA	$1621	$276
Allstate	$2790	$465
Farmers	$2839	$483
State Farm	$3126	$521

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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, OR, 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 Kemper and Capital Insurance Group, offering $324 and $385, respectively. Allstate is an expensive provider with an average six-month premium of $2551.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$324	$54
Capital Insurance Group	$385	$66
Capital	$435	$72
Encompass	$483	$82
State Farm	$643	$108
Travelers	$747	$126
USAA	$765	$129
Country Financial	$838	$141
Progressive	$887	$149
Nationwide	$979	$165
American Family	$1040	$175
Farmers	$2025	$341
Allstate	$2551	$430

Detroit Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Detroit OR. For example, the car insurance in Detroit after a DUI increases to $642 for a six month policy. While the rate increases by $232 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	$863	$144
One Med/PIP claim	$863	$146
Not-at-fault accident	$893	$149
One comp claim	$912	$155
Two Med/PIP claims	$924	$153
Failure to wear a seat belt	$985	$168
Two comp claims	$1009	$168
Child safety restraint	$1022	$174
Failure to show documents	$1022	$170
Driving without lights	$1028	$175
Driving with expired registration	$1053	$175
Speeding 11 - 15 MPH over limit	$1095	$186
Speeding 16 - 20 MPH over limit	$1095	$182
Speeding 6 - 10 MPH over limit	$1095	$186
Cell phone violation	$1101	$183
Driving too slowly	$1101	$187
Failure to yield	$1101	$183
Following too closely	$1101	$187
Illegal turn	$1101	$183
Texting while driving	$1101	$187
Wrong way/wrong lane	$1101	$183
Failure to stop at a red light	$1107	$188
Improper passing	$1107	$184
Passing school bus	$1151	$196
Speeding in school zone	$1151	$192
In 65 MPH zone	$1169	$199
Speeding 21 - 25 MPH over limit	$1174	$196
Open container	$1211	$206
At-fault accident - less than $1000	$1242	$207
Operating a vehicle without permission	$1248	$212
At-fault accident - $1000-$2000	$1321	$220
At-fault accident - greater than $2000	$1321	$225
Refusal to submit to a chemical test	$1480	$247
Racing	$1486	$252
DUI	$1505	$251
Reckless driving	$1511	$256
Driving with a suspended license	$1523	$254
Leaving scene of an accident/hit and run	$1573	$268

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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 Capital Insurance Group at $447 for a six-month policy. However, it can be as expensive as $2404 with companies like Nationwide.

Detroit car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$447	$76
Kemper	$551	$92
Progressive	$697	$117
State Farm	$887	$149
Travelers	$893	$150
American Family	$1113	$187
USAA	$1211	$204
Country Financial	$1401	$236
Farmers	$1952	$329
Allstate	$2074	$349
Nationwide	$2404	$409

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 Kemper at $300. However, it can be as expensive as $2380 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
Kemper	$300	$50
Capital Insurance Group	$361	$62
Nationwide	$489	$81
State Farm	$526	$89
Country Financial	$770	$130
Progressive	$770	$130
American Family	$789	$133
Travelers	$912	$153
USAA	$912	$152
Allstate	$1994	$339
Farmers	$2380	$397

Car Insurance Price Trends in Detroit, Oregon

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 rose by $198 in December compared to $195 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Detroit rose to $73 in December, compared to $71 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Detroit?

The car insurance in Detroit is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Detroit?

The cheapest car insurance in Detroit is $68 per month for full coverage.

How much is car insurance in Detroit for teenagers?

Car insurance for teenagers costs $227 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 $860 for a six-month policy. It will cost around $149 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.

What is the best car insurance in Detroit, OR?

The best car insurance company in Detroit OR is Kemper, offering $398 for a six-month policy.