Cheapest car insurance companies in Detroit
Geico and Automobile Club MI (AAA) have the cheapest car insurance premiums for Detroit drivers in 2023, based on a data study by Insurance.com.
Geico has the cheapest car insurance rates in Detroit at an average cost of $2,893 per year.
Car insurance prices in Detroit can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Detroit drivers.
| Companies | Average annual rates |
|---|---|
| USAA | $2,124 |
| Geico | $2,893 |
| Automobile Club MI (AAA) | $3,107 |
| Travelers | $3,198 |
| Pioneer State Mutual | $3,219 |
| Progressive | $3,253 |
| Auto-Owners | $3,460 |
| Frankenmuth Insurance | $3,958 |
Cheapest car insurance cost in Detroit by Age Group
In Detroit, Progressive is the cheapest car insurance company for teenagers, offering full coverage policies at $5,995 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
When compared to other car insurance companies, USAA turned out to be the cheapest car insurance company for young drivers in Detroit, offering full coverage at an annual average cost of $3,506.
As Detroit drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. USAA stands out as the cheapest car insurance option for adult drivers, with an annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $2,209.
If you are a senior driver in Detroit and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $2,217 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Progressive | $5,995 | $5,038 | $3,216 | $3,018 |
| Auto-Owners | $6,186 | $4,595 | $3,351 | $3,364 |
| USAA | $6,685 | $3,506 | $2,209 | $2,217 |
| Geico | $7,377 | $4,097 | $2,877 | $2,833 |
| Pioneer State Mutual | $7,928 | $5,884 | $3,222 | $2,854 |
| Automobile Club MI (AAA) | $8,601 | $5,449 | $3,035 | $2,932 |
| Travelers | $10,122 | $4,528 | $3,061 | $2,834 |
| Michigan Farm Bureau | $11,393 | $6,265 | $4,032 | $4,031 |
| Frankenmuth Insurance | $11,717 | $7,054 | $3,584 | $3,745 |
Cheapest car insurance companies in Detroit by driver profile
Your driving profile plays an important role in determining your car insurance rates in Detroit. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
Finding the cheapest car insurance in Detroit requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
In Detroit, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: Progressive
Cheapest for a driver with poor credit: Geico
Drivers in Detroit with poor credit can get the cheapest car insurance from Geico at an average cost of $4,003 a year, according to a data study by Insurance.com.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| Geico | $4,003 |
| USAA | $4,320 |
| Progressive | $4,361 |
| Travelers | $5,818 |
| Allstate | $8,042 |
| State Farm | $15,408 |
| Farmers | $48,614 |
Cheapest for drivers with a speeding ticket: USAA
Based on recent data analysis, 30-year-old drivers in Detroit with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $2,684.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| USAA | $2,684 |
| Progressive | $3,018 |
| Geico | $4,600 |
| Travelers | $6,143 |
| Allstate | $7,158 |
| State Farm | $9,234 |
| Farmers | $22,452 |
Cheapest auto insurance after an at-fault accident: USAA
USAA is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Detroit is $3,235. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| USAA | $3,235 |
| Progressive | $3,441 |
| State Farm | $6,671 |
| Geico | $6,878 |
| Travelers | $7,687 |
| Allstate | $10,832 |
| Farmers | $25,475 |
Cheapest auto insurance after a DUI: Progressive
In Detroit, Progressive has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $3,108 a year.
A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums.
| Company | Average annual rates |
|---|---|
| Progressive | $3,108 |
| USAA | $3,750 |
| Travelers | $16,378 |
| State Farm | $20,539 |
| Geico | $21,518 |
| Farmers | $26,375 |
| Allstate | $40,569 |
Average car insurance cost in Detroit
Full coverage car insurance in Detroit for a coverage limit of 100/300/100 is $2,987 per year or $249 per month, while the state minimum coverage costs an average of $823 a year.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.
| Average annual Rates | State minimum average |
|---|---|
| $2,987 | $823 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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