Cheapest Auto Insurance in Dearborn, Michigan (2025)
Auto-Owners offers the cheapest car insurance in Dearborn, with minimum-coverage policies as low as $124 per month.
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The overall average cost of car insurance in Dearborn is $331 per month, or $3,967 per year. Drivers in Michigan pay nearly twice as much as the national average because Michigan’s a no-fault state with high coverage requirements.[?]
Here’s how to compare quotes and find cheap car insurance in Dearborn, Michigan.
Quick Facts
The average cost of car insurance in Dearborn is $270 per month for liability-only coverage and $391 per month for full coverage.
Auto-Owners is the cheapest full-coverage car insurance company in Dearborn.
Dearborn drivers with bad credit pay almost twice as much for car insurance as drivers with good credit.
6 of the cheapest car insurance companies in Dearborn
USAA and Auto-Owners offer some of the cheapest car insurance rates in Dearborn. Depending on the type and amount of coverage you need, one insurer might be better for you than the rest. Consider your budget and needs as you shop for the best rates.
Here’s a look at a few of the cheapest car insurance companies in Dearborn to start your search.
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for military members and veterans: USAA
Best insurer for cheap liability coverage: Auto-Owners
Best insurer for high-value cars: Chubb
How to get the cheapest car insurance in Dearborn
Car insurance rates depend on different factors, including your age, ZIP code, vehicle type, driving record, and insurance company. But you can take some steps to lower your car insurance rate:
Compare quotes. When you shop for coverage, get at least three quotes, but more is better. Reviewing many options can help you get the best deal on your car insurance. Start with quotes from your area’s cheapest car insurance companies.
Reduce coverage on older cars. You must meet the minimum liability insurance coverage the state sets. But you might not need coverage beyond that if you have an older car that isn’t worth much. Reducing or dropping extra coverage can help you save money.
Bundle insurance policies. Most companies offer discounts when you bundle different insurance policies. For example, you might be able to bundle auto insurance, renters insurance, and business insurance.
Ask about additional discounts. Most insurance agents apply all your discounts before finalizing your coverage, but it’s a good idea to double-check for more. Some insurers offer discounts for being a good student, a safe driver, or a loyal customer.
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Cheapest liability-only car insurance in Dearborn: Auto-Owners
Liability-only car insurance meets the legal requirements for coverage in the state of Michigan. The coverage helps pay for the other driver’s vehicle repairs, property damage, and medical bills when you cause an accident. It doesn’t cover the costs of your repairs or medical treatment.
Liability-only car insurance in Dearborn costs an average of $270 per month. The following insurers offer the cheapest coverage.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| Auto-Owners | $124 |
| USAA | $124 |
| Chubb | $135 |
| Safeco | $205 |
| National General | $228 |
| Nationwide | $249 |
| State Farm | $255 |
| Progressive | $289 |
| Travelers | $295 |
| Liberty Mutual | $301 |
| GEICO | $331 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Dearborn: Auto-Owners
Full-coverage car insurance usually includes liability protection, comprehensive, and collision. The policy helps pay for the other driver’s repairs and medical expenses when you cause an accident. It also covers your vehicle repairs, regardless of fault. If you hit an object, sustain damage from a natural disaster, or are the victim of theft, a full-coverage policy pays for repair costs.
Drivers in Dearborn pay an average of $391 per month for full-coverage car insurance.
Here are some full-coverage car insurance companies with affordable rates in Dearborn.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $204 |
| USAA | $205 |
| Chubb | $223 |
| Progressive | $363 |
| Safeco | $367 |
| Nationwide | $413 |
| State Farm | $420 |
| GEICO | $432 |
| Liberty Mutual | $447 |
| National General | $451 |
| Travelers | $487 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Michigan
Michigan drivers must have liability car insurance coverage, but the state’s requirements are higher than other states, which is one of the reasons coverage costs more in Michigan.
Because it’s a no-fault state, you file an insurance claim with your own insurance company if you’re in an accident, so more insurance claims happen since all involved drivers file. As a result, insurance usually costs more in no-fault states.
Furthermore, Michigan requires drivers to purchase personal injury protection coverage, but drivers can choose their limits. Here are the minimum-coverage amounts for drivers in Michigan:[?]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
| Personal injury protection | Varying limits:
|
Drivers can consider adding extra car insurance coverage beyond the state minimum to ensure adequate protection. Here are some common options:
Cheapest car insurance for drivers with an incident
Car insurance companies consider your driving record when determining rates. Your driving record shows previous incidents, including at-fault accidents, speeding tickets, and driving under the influence (DUI) violations. If you have a violation, it means you’re at a higher risk of filing a claim, so insurance companies increase rates to offset that risk.
The incident on your driving record also affects how much your car insurance rates increase. In Dearborn, drivers with a speeding ticket pay an average of $298 per month for liability coverage. But drivers pay an average of $327 per month for liability insurance if they have a DUI — a substantial increase.
Even with higher rates, getting a good deal on car insurance is still possible. Here’s how much extra you can expect to pay after a violation.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| USAA | $124 | $149 | $170 | $166 |
| Auto-Owners | $124 | $150 | $168 | $166 |
| Chubb | $135 | $160 | $184 | $181 |
| Safeco | $205 | $254 | $297 | $294 |
| National General | $228 | $267 | $312 | $306 |
| Nationwide | $249 | $300 | $343 | $334 |
| State Farm | $255 | $300 | $346 | $342 |
| Progressive | $289 | $319 | $413 | $350 |
| Travelers | $295 | $356 | $406 | $396 |
| Liberty Mutual | $301 | $357 | $415 | $404 |
| GEICO | $331 | $405 | $438 | $433 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost of car insurance by age
Your age affects your car insurance rates. Teen drivers pay the most for car insurance due to inexperience and risky behavior on the road.[?]
Rates usually decrease as drivers age, with the lowest rates around retirement age. But later in life, around age 70, rates increase again due to potential health issues and slower reaction times.[?]
Here’s how much drivers in Dearborn pay on average for car insurance, by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $622 |
| 20s | $516 |
| 30s | $451 |
| 40s | $443 |
| 50s | $435 |
| 60s | $410 |
| 70s | $451 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Dearborn car insurance FAQs
Learn more about getting cheap insurance in Insurify’s guide, and check out the answers to common questions about auto coverage in Dearborn.
Does credit score affect car insurance costs in Dearborn?
No. With Michigan’s recent car insurance law changes, the state eliminated the use of sex, marital status, homeownership status, credit score, educational level, occupation, and ZIP codes in setting rates.[?]
How much is car insurance in Dearborn?
The average cost of car insurance in Dearborn is $270 per month for liability coverage and $391 per month for full coverage.
Which companies have the cheapest car insurance in Dearborn?
Auto-Owners, USAA, and Chubb have the cheapest liability rates in Dearborn, starting at $124, $124, and $135 per month, respectively.
But the best way to find the cheapest rates for your situation is to use a quote-comparison tool to see as many quotes at once for the coverage you need. This way, you can compare the cheapest rates and find the one that best matches your needs.
What are the best car insurance companies in Dearborn?
Auto-Owners, Chubb, and USAA are a few of the best car insurance companies in Dearborn, according to Insurify’s analysis. These insurers have plenty of coverage options, low average rates, and strong customer satisfaction ratings.
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