Cheapest Auto Insurance in Detroit, Michigan (2025)
Auto-Owners offers the cheapest car insurance in Detroit, with minimum-coverage policies as low as $126 per month.
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On average, Detroit drivers pay $338 per month for car insurance. By comparison, the Michigan state average is $174 per month. At the national level, drivers pay a monthly average of $138.
Michigan has the highest car insurance costs of any state, Insurify data shows. High accident frequency and severity, a high rate of vehicle theft and vandalism, and a high rate of uninsured motorists contribute to the cost of car insurance in the state and in Detroit.[?]
Quick Facts
Auto-Owners offers the cheapest liability insurance rates in Detroit.
Insurers in Michigan can’t consider your credit history when setting rates.
Teen drivers pay an average of $648 per month for full coverage.
Cheapest car insurance companies in Detroit
Finding affordable car insurance in Detroit can be tricky. The right policy for you will depend on your coverage needs, location, driving history, and more. Always compare quotes before buying a policy.
Below are some of the cheapest car insurance companies in Detroit.
Best insurer for bundling: Auto-Owners
Best insurer for military families: USAA
Best insurer for discounts: GEICO
How to get the cheapest car insurance in Detroit
Insurance companies base their rates on several factors, including your age and the year, make, and model of your vehicle. While some of these factors are outside your control, you can take steps to find affordable car insurance and keep your rates low.
Jeffrey L. Brewer, vice president of public affairs at the American Property Casualty Insurance Association (APCIA), recommends the following:
Adjust your coverage. “Increase your deductible and lower non-essential coverage like glass, rental car, and roadside service,” Brewer says.
Consider a usage-based policy. “Some insurers offer savings for signing up for these programs and will offer additional savings based on how you drive. The safer the driving behavior, the greater the discount,” Brewer says.
Ask for discounts that may be available. “Ask your insurer if they have billing method discounts or other discount programs,” Brewer says.
Shop around. Brewer recommends you shop around with different companies. “As you shop, make sure you are comparing apples to apples regarding the coverage and service,” Brewer says. “Buying the cheapest policy is not necessarily the best decision for every driver. Consider the type of vehicle that is being insured and the assets you need to protect.”
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Cheapest liability-only car insurance in Detroit: Auto-Owners
Liability-only car insurance is a type of auto insurance that covers the cost of damages to other vehicles, pedestrians, or property caused by the insured driver, but not damage to the driver’s own vehicle.2
Liability-only coverage is cheaper than full-coverage car insurance, so you may be interested if you have an older model car that isn’t worth a lot. But if you have a car payment, your lender or leasing company will probably require you to carry full coverage.
The table below shows the companies offering the cheapest liability-only policies in Detroit. The cheapest insurer for liability-only car insurance in Detroit is Auto-Owners, with a cost of $126 per month.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| Auto-Owners | $126 |
| USAA | $126 |
| Chubb | $138 |
| Safeco | $210 |
| National General | $233 |
| Nationwide | $254 |
| State Farm | $260 |
| Progressive | $295 |
| Travelers | $301 |
| Liberty Mutual | $307 |
| GEICO | $338 |
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 Detroit: Auto-Owners
Full-coverage auto insurance includes liability coverage as well as collision and comprehensive coverage, which pay for damage to your own vehicle caused by a covered claim. Collision coverage can pay for an accident with another vehicle or when your vehicle hits another object, like a phone pole. Comprehensive insurance covers non-collision-related claims, such as vehicle theft or vandalism.
You can find the cheapest full-coverage car insurance in Detroit from Auto-Owners, at a rate of $208 per month.
The table below shows the insurance companies offering the cheapest full-coverage policies in Detroit.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $208 |
| USAA | $210 |
| Chubb | $227 |
| Progressive | $371 |
| Safeco | $375 |
| Nationwide | $422 |
| State Farm | $429 |
| GEICO | $441 |
| Liberty Mutual | $456 |
| National General | $460 |
| Travelers | $497 |
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 is a no-fault state for car insurance.3 This means that drivers receive compensation from their insurance company after an accident, regardless of who caused the accident.
All drivers must carry a minimum amount of residual bodily injury and property damage liability coverage, as well as property protection insurance (PPI). PPI pays for damage to other people’s property in Michigan caused by your car. But it doesn’t apply to other cars unless they’re parked.
Most drivers must also purchase a minimum amount of personal injury protection (PIP), which pays for medical expenses, recovery, and rehabilitation after an auto accident for the rest of your life, up to the chosen limit. Only Medicaid recipients who meet certain criteria can opt out of carrying PIP medical coverage.4
Coverage | Minimum Requirements |
|---|---|
| Residual bodily injury liability | $50,000 per person / $100,000 per accident |
| Residual property damage liability | $10,000 for damage outside Michigan |
| Personal injury protection | $250,000 per person per accident |
| Property protection insurance | $1 million for damage in Michigan |
For peace of mind behind the wheel, you should consider carrying more than the minimum coverages on your auto insurance policy. Some other coverages to consider include:
Cheapest car insurance for Detroit drivers with an incident
Incidents can include at-fault accidents, speeding tickets, operating while intoxicated (DUI), and other moving violations. Having these on your record can increase your car insurance rates above what drivers with a clean driving record pay. This is because insurance companies see you as a higher risk, and they charge higher premiums to offset that risk.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
If you have a speeding ticket on your record, you’ll likely face a rate increase, depending on the severity of the incident and whether it was your first offense.Detroit drivers with speeding tickets face average monthly rates of $450 for full coverage and $296 for a liability-only policy, Insurify data shows. The following table shows the cheapest car insurance options available in Detroit, Michigan, for drivers with speeding tickets on their records.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $252 | $152 |
| USAA | $252 | $151 |
| Chubb | $268 | $163 |
| Progressive | $410 | $326 |
| Safeco | $464 | $260 |
| State Farm | $505 | $306 |
| Nationwide | $508 | $306 |
| National General | $538 | $272 |
| GEICO | $539 | $413 |
| Liberty Mutual | $541 | $364 |
| Travelers | $599 | $363 |
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 car insurance for drivers with an at-fault accident: Auto-Owners
Finding affordable insurance after an at-fault accident can be challenging. Insurers consider you a risky driver, so they’ll increase your rates to account for that extra risk. Accident forgiveness coverage can hold your premium steady after your first at-fault accident, but you’ll need to buy it before getting into an accident.
An at-fault accident pushes the average monthly cost of car insurance in Detroit to $583 for full coverage and $383 for liability only. You can still find affordable premiums with the right insurers, though. The table below shows the best cheap options for Detroit drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $281 | $170 |
| USAA | $288 | $173 |
| Chubb | $309 | $188 |
| Progressive | $531 | $422 |
| Safeco | $543 | $304 |
| Nationwide | $581 | $350 |
| State Farm | $581 | $352 |
| GEICO | $584 | $447 |
| Liberty Mutual | $629 | $424 |
| National General | $630 | $319 |
| Travelers | $684 | $415 |
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 car insurance for drivers with a DUI: Auto-Owners
Driving under the influence of drugs or alcohol can be a costly mistake that affects your car insurance rates for years. Finding cheap car insurance can be tough if you’ve been convicted of a DUI. In fact, the average monthly cost of full-coverage car insurance for Detroit drivers with a DUI is $495, while liability coverage averages $325 per month with a DUI.
The table below shows the insurance companies offering the most competitive rates for Detroit drivers with a DUI.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $279 | $169 |
| USAA | $282 | $169 |
| Chubb | $305 | $185 |
| Progressive | $450 | $358 |
| Safeco | $539 | $302 |
| Nationwide | $566 | $341 |
| State Farm | $576 | $349 |
| GEICO | $576 | $442 |
| Liberty Mutual | $612 | $412 |
| National General | $617 | $313 |
| Travelers | $667 | $404 |
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 car insurance for seniors: Auto-Owners
Drivers 70 and older have higher rates of fatal crashes per mile driven than middle-aged drivers, according to the Insurance Institute for Highway Safety.7 As a result, insurance companies tend to increase rates for senior drivers.
On average, Detroit seniors pay $346 for full-coverage car insurance and $227 for liability-only policies. If you’re a senior driver looking for affordable car insurance in Detroit, the companies below offer some of the most competitive monthly rates.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $165 | $100 |
| USAA | $170 | $102 |
| Chubb | $170 | $103 |
| Progressive | $314 | $250 |
| Nationwide | $321 | $193 |
| Safeco | $326 | $182 |
| State Farm | $335 | $203 |
| GEICO | $348 | $266 |
| National General | $358 | $182 |
| Liberty Mutual | $378 | $254 |
| Travelers | $394 | $239 |
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 car insurance for teens: Auto-Owners
Car insurance companies typically charge higher rates for young drivers because they have less experience behind the wheel and are prone to taking risks that more mature drivers might not take. Teens and their families can help keep rates low by staying on their parents’ policy and taking advantage of discounts many insurance companies offer, such as those for good students and completing a driver training course.8
Minors can’t legally buy their own car insurance policy without written consent from a parent or guardian. In Detroit, the average cost of car insurance for teen drivers is $426 per month for a liability policy. The following table illustrates what top insurers charge teen drivers in Detroit.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| USAA | $363 | $218 |
| Auto-Owners | $383 | $232 |
| Chubb | $448 | $272 |
| Progressive | $590 | $469 |
| Safeco | $708 | $396 |
| GEICO | $747 | $572 |
| Liberty Mutual | $753 | $507 |
| Nationwide | $774 | $466 |
| State Farm | $777 | $471 |
| National General | $879 | $445 |
| Travelers | $959 | $581 |
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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Is car insurance more expensive in Detroit?
Yes. The cost of car insurance in Detroit is significantly higher than the national average and has been for several years. Average monthly premiums in Detroit are $408 for full coverage and $268 for liability-only coverage, according to Insurify data. Nationwide, the average monthly premiums are $177 for full coverage and $100 for liability-only coverage.
One of the reasons for this large discrepancy has historically been Michigan’s unique form of no-fault insurance. Until July 1, 2020, insurance companies in the state had to offer unlimited PIP coverage, meaning they were on the hook for unlimited medical damages in the event of an accident.[?]
In 2020, that system was replaced by a tiered system that allows Michigan drivers to purchase lower PIP limits.
More cities in Michigan
The cost of car insurance in Detroit is significantly higher than in other Michigan cities. For example, the average monthly rate in Detroit is $338, compared to Flint’s average rate of $187. The following table shows average monthly car insurance costs in other Michigan cities.
Detroit car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Detroit.
How much is car insurance in Detroit?
The total average cost of car insurance per month in Detroit is $338. Detroit drivers pay an average of $408 per month for full-coverage insurance and $268 per month for liability coverage. Your exact rate will depend on your insurer, age, driving record, vehicle type, chosen coverage level, and more.
What are the best car insurance companies in Detroit?
Auto-Owners is the best car insurance company in Detroit, with an Insurify Quality (IQ) Score of 8.2 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Detroit choices include USAA and GEICO.
Which companies offer the cheapest car insurance in Detroit?
Auto-Owners is the cheapest insurer for Detroit drivers, with liability-only policies starting at $126 per month. USAA and Chubb are the second- and third-cheapest insurance companies in Detroit, with monthly liability rates as low as $126 and $138, respectively.
How do credit scores affect car insurance in Detroit?
Insurance companies are no longer allowed to use credit information as a rating factor in Michigan, so credit no longer affects car insurance rates in Detroit.
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