Compare Cheap Car Insurance in Detroit, Michigan (2022)

Cheapest full-coverage car insurance in Detroit: USAA, $185 a month; Progressive, $275; Auto-Owners, $353.

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Auto-Owners and Progressive offer the cheapest car insurance rates to most drivers in Detroit, Michigan, according to our research. Auto-Owners has the city’s cheapest minimum-coverage car insurance rates at $182 a month, on average. Progressive has the cheapest full-coverage rates at an average of $275 a month.

Detroit drivers who are current or former members of the military or eligible relatives may get even cheaper car insurance policies from USAA.

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Where to get cheap car insurance in Detroit, Michigan

Auto-Owners is the cheapest car insurance company in Detroit if you want a minimum-coverage policy, charging an average rate of $182 a month. Progressive offers Detroit drivers affordable state-minimum policies, too, at $205 a month.

Cheapest car insurance in Detroit for minimum coverage
Company Monthly rate
Auto-Owners $182
Progressive $205
City average $226
Frankenmuth $244
State Farm $311
Farm Bureau $322
USAA $91
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

USAA’s average rate for minimum-coverage car insurance is cheaper than that of both companies, $91 a month, but you need to be current or former military, or a close family member of one, to qualify.

USAA technically has the cheapest rates in Detroit for full-coverage car insurance, too, charging $185 a month, on average. Most Detroit drivers will find their best rates from Progressive, though, at $275 a month.

Cheapest car insurance in Detroit for full coverage
Company Monthly rate
Progressive $275
Auto-Owners $353
City average $416
Frankenmuth $460
State Farm $537
Farm Bureau $688
USAA $185
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Auto-Owners has an average rate of $353 a month for full-coverage car insurance, which is higher than both Progressive and USAA, but it’s still lower than the city average of $416.

Given that and the fact that insurance companies consider many factors when calculating your rate, don’t shy away from getting and comparing quotes from Auto-Owners as well as Progressive (and USAA, if you qualify) while shopping for car insurance in Detroit.

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Cheapest car insurance in Detroit by driving record

Progressive has the cheapest car insurance in Detroit for drivers with a DUI on their records, charging them $329 a month, on average. USAA is an affordable option, too, at $350 a month, if you’re eligible.

Cheapest car insurance after a DUI
Company Monthly rate
Progressive $329
USAA $350
Auto-Owners $837
State Farm $1,323
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Detroit drivers with a DUI on their records pay a whopping 166% more for car insurance than they would if they had clean driving records. As the rates in the table above show, though, shopping around and comparing quotes from several companies can save you a lot of money. This is especially true after a DUI, but it’s true in most other situations, too.

Cheapest car insurance after an accident
Company Monthly rate
USAA $274
Progressive $403
Auto-Owners $408
Frankenmuth $601
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Most drivers in Detroit with an accident on their records will find the cheapest car insurance rates from Progressive at $403 a month, on average. Don’t ignore Auto-Owners and its average rate of $408, though. And if you have military ties, get a quote from USAA, which has an average rate of $274 a month for drivers after an accident.

Cheapest car insurance with a speeding ticket
Company Monthly rate
USAA $241
Progressive $341
Auto-Owners $408
Frankenmuth $501
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Progressive is the best company in Detroit for cheap car insurance with a speeding ticket as well, with an average rate of $341 a month. Again, consider Auto-Owners as an option, too, not to mention USAA if you qualify. USAA has especially cheap rates for Detroit drivers after a speeding ticket at just $241 a month.

Where to get cheap car insurance in Detroit for teen drivers

Teen drivers in Detroit who are looking for cheap auto insurance should make a beeline for Auto-Owners thanks to its average rate of $364 a month. This is for a minimum-coverage policy and assumes you have a clean driving record.

USAA charges Detroit teens less than half that rate for minimum-coverage car insurance at $160 a month, but you need to be associated with the military to take advantage.

Cheapest car insurance for teens (minimum coverage)
Company Monthly rate
USAA $160
Auto-Owners $364
Farm Bureau $516
Frankenmuth $708
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Minimum-coverage auto insurance satisfies state requirements for liability coverage, which pays for injuries and property damage you may cause to others. It does not cover your own medical bills or repair costs.

Full-coverage car insurance includes collision and comprehensive coverages as well as liability coverage. We recommend full coverage to drivers who have newer or expensive vehicles. You may need to buy it if you finance or lease your vehicle.

Cheapest car insurance for teens (full coverage)
Company Monthly rate
USAA $386
Auto-Owners $740
Progressive $1,122
Farm Bureau $1,129
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Auto-Owners has the cheapest car insurance for most Detroit teens who want full-coverage policies at $740 a month, on average. USAA’s average rate quotes for these same drivers is far cheaper, $386 a month, if you’re eligible.

Where to get cheap car insurance in Detroit for senior drivers

Frankenmuth offers the cheapest car insurance for most Detroit seniors, charging an average of $184 a month for minimum coverage.

Auto-Owners and Progressive are also good, affordable options in this situation, though, so keep them in mind while shopping for car insurance in Detroit as a senior driver. Auto-Owners’ average rate here is $189 a month, while Progressive’s is $197.

Cheapest car insurance for seniors (minimum coverage)
Company Monthly rate
USAA $91
Frankenmuth $184
Auto-Owners $189
Progressive $197
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

USAA is an even better and cheaper minimum-coverage car insurance option for Detroit seniors who qualify thanks to its average monthly rate of $91.

Those same seniors should get a quote from USAA if they want cheap full-coverage car insurance rather than minimum coverage. USAA charges seniors $175 a month, on average, for full-coverage policies, which is the cheapest of all the companies we surveyed.

Cheapest car insurance for seniors (full coverage)
Company Monthly rate
USAA $175
Progressive $251
Auto-Owners $305
Frankenmuth $348
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Most Detroit seniors will find the cheapest full-coverage rates with Progressive at $251 a month. Depending on your age, the vehicle you drive, where you live and more, though, Auto-Owners may still be the best option for you. The average quote we received from Auto-Owners in this case was $305 a month.

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What is the average cost of car insurance in Detroit?

The average cost of car insurance in Detroit is $226 a month for minimum-coverage policies and $416 a month for full-coverage policies.

Both of these rates are higher than the Michigan state averages, which are $208 a month for minimum coverage and $357 a month for full coverage.

What are Detroit’s car insurance requirements?

Michigan law requires drivers in Detroit and elsewhere in the state to have at least 50/100/10 car insurance. This means your policy must include, at a minimum:

  • $50,000 of bodily injury liability coverage per person
  • $100,000 of bodily injury liability coverage per accident
  • $10,000 of property damage liability coverage for accidents outside of Michigan

Michigan drivers also need a minimum amount of personal injury protection (PIP) and property protection insurance (PPI) coverage. The state requirements for these coverage types are:

  • $250,000 of PIP
  • $1,000,000 of PPI

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Detroit ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Michigan’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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