Car Insurance for Detroit in 2024

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Drivers in Detroit pay an average of $4,770 per year for car insurance, but you might find cheaper coverage if you shop around.

By Andrew Marder 

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No U.S. city knows cars quite like Motor City does. Along with the city’s strong roots in the automotive industry, Detroit is also the largest city in Michigan. And whether you’re commuting to work or headed to a Detroit Lions game, you’ll need car insurance to drive legally.

NerdWallet has found average car insurance rates in Detroit for a variety of driver types to get your search started. But rates are personalized to each individual driver, so be sure to also shop around and compare quotes from a few insurance companies for the most accurate estimate of what you’ll pay.

Read on to find out how auto insurance companies in Detroit stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

To find the cheapest companies in Detroit, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Detroit driving a 2021 Toyota Camry LE.

Cheapest car insurance companies in Detroit

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Detroit, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

CompanyRateNerdWallet Rating
Secura$1,398Not yet rated
Hastings Mutual$2,248Not yet rated
Geico$2,410
NerdWallet rating 

5.0

/5
Chubb$2,537
NerdWallet rating 

4.5

/5
Auto-Owners Insurance$3,818
NerdWallet rating 

5.0

/5
Fremont$4,144Not yet rated
Michigan Insurance$4,229Not yet rated
Progressive$4,333
NerdWallet rating 

4.5

/5
Farmers$4,375
NerdWallet rating 

4.5

/5
Wolverine Mutual$4,770Not yet rated

If you’re looking for cheap car insurance in Detroit, Michigan, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Detroit — or anywhere.

Average car insurance cost in Detroit and Michigan

Rates across Michigan differ from those in Detroit for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Michigan is $2,496, while in Detroit, it's $4,770.

Average city rateAverage state rate
$4,770$2,496

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Average cost of car insurance in Detroit’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Detroit and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP CodeAverage Rate
48228$4,656
48219$5,165
48235$4,910
48227$4,770
48224$4,797
48221$4,797
48205$4,770
48234$4,758
48210$4,943
48209$4,734

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Cheap car insurance in Detroit by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Detroit for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Detroit pay, on average.

CompanyRateNerdWallet Rating
Secura$3,024Not yet rated
Geico$4,772
NerdWallet rating 

5.0

/5
Chubb$4,854
NerdWallet rating 

4.5

/5
Auto-Owners Insurance$5,602
NerdWallet rating 

5.0

/5
Hastings Mutual$6,632Not yet rated
Progressive$6,910
NerdWallet rating 

4.5

/5
Fremont$9,203Not yet rated
Michigan Farm Bureau$9,203Not yet rated
Westfield$9,500Not yet rated
Pioneer State$10,158Not yet rated

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Detroit, according to NerdWallet’s analysis.

CompanyRateNerdWallet Rating
Secura$1,398Not yet rated
Hastings Mutual$2,248Not yet rated
Geico$2,410
NerdWallet rating 

5.0

/5
Chubb$2,537
NerdWallet rating 

4.5

/5
Auto-Owners Insurance$3,818
NerdWallet rating 

5.0

/5
Fremont$4,144Not yet rated
Michigan Insurance$4,229Not yet rated
Progressive$4,333
NerdWallet rating 

4.5

/5
Farmers$4,375
NerdWallet rating 

4.5

/5
Wolverine Mutual$4,770Not yet rated

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Detroit, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Secura$1,355Not yet rated
Hastings Mutual$1,998Not yet rated
Chubb$2,144
NerdWallet rating 

4.5

/5
Geico$2,625
NerdWallet rating 

5.0

/5
Farmers$2,633
NerdWallet rating 

4.5

/5
Fremont$3,385Not yet rated
Michigan Insurance$3,574Not yet rated
Progressive$3,584
NerdWallet rating 

4.5

/5
Auto-Owners Insurance$3,668
NerdWallet rating 

5.0

/5
Wolverine Mutual$3,970Not yet rated

Detroit’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Detroit by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Detroit according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Secura$1,398Not yet rated
Hastings Mutual$2,248Not yet rated
Geico$2,410
NerdWallet rating 

5.0

/5
Chubb$2,537
NerdWallet rating 

4.5

/5
Auto-Owners Insurance$3,818
NerdWallet rating 

5.0

/5
Fremont$4,144Not yet rated
Michigan Insurance$4,229Not yet rated
Progressive$4,333
NerdWallet rating 

4.5

/5
Farmers$4,375
NerdWallet rating 

4.5

/5
Wolverine Mutual$4,770Not yet rated

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Detroit according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Progressive$5,099
NerdWallet rating 

4.5

/5
Secura$5,481Not yet rated
Chubb$6,292
NerdWallet rating 

4.5

/5
Auto-Owners Insurance$8,621
NerdWallet rating 

5.0

/5
Michigan Insurance$9,947Not yet rated
Pioneer State$10,097Not yet rated
Farmers$10,153
NerdWallet rating 

4.5

/5
Westfield$13,404Not yet rated
Wolverine Mutual$13,972Not yet rated
Bristol West$14,765
NerdWallet rating 

2.5

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Detroit, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Secura$2,161Not yet rated
Chubb$3,424
NerdWallet rating 

4.5

/5
Hastings Mutual$3,618Not yet rated
Auto-Owners Insurance$4,442
NerdWallet rating 

5.0

/5
Fremont$5,516Not yet rated
Progressive$5,835
NerdWallet rating 

4.5

/5
Wolverine Mutual$6,184Not yet rated
Pioneer State$6,196Not yet rated
Michigan Insurance$6,245Not yet rated
Geico$6,413
NerdWallet rating 

5.0

/5

Minimum car insurance requirements in Michigan

As you shop around, keep in mind you’ll need at least the minimum coverage required in Michigan, which is:

  • $50,000 in bodily injury liability per person.

  • $100,000 in bodily injury liability per accident.

  • $10,000 in property damage liability per accident outside Michigan.

  • $1 million in property protection within Michigan.

  • $250,000 in personal injury protection (lower limits are allowed for some Medicare and Medicaid recipients).

You may want higher limits, or additional coverage types, especially if you spend a considerable amount of time on the road.