Cheapest car insurance companies in Detroit 

Geico and Automobile Club MI (AAA) offer the cheapest car insurance rates in Detroit for 2023, according to a study by Insurance.com.

Geico is the cheapest option for most Detroit drivers, with an average annual rate of $2,893

The cost of car insurance in Detroit varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers in Detroit.

CompaniesAverage 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 

Progressive offers the cheapest full coverage car insurance for teenage drivers in Detroit, with an average annual cost of $5,995 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.

Among the carriers analyzed, USAA is the cheapest car insurance option for drivers in Detroit, at $3,506 a year for a full coverage policy.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Detroit is USAA. Its average rate for a full coverage car insurance policy is $2,209 per year

USAA is the cheapest option for senior drivers in Detroit, with an average premium of $2,217 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
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 

When determining car insurance rates in Detroit, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

Comparison shopping is the key to getting the cheapest car insurance rates in Detroit. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.

Here are some of the cheapest car insurance companies in Detroit based on driver profile. 

Geico is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Detroit drivers is $4,003

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
Geico$4,003
USAA$4,320
Progressive$4,361
Travelers$5,818
Allstate$8,042
State Farm$15,408
Farmers$48,614

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. 

CompanyAverage annual premium
USAA$2,684
Progressive$3,018
Geico$4,600
Travelers$6,143
Allstate$7,158
State Farm$9,234
Farmers$22,452

According to Insurance.com's analysis, USAA tops the list of cheap car insurance providers in Detroit for drivers involved in at-fault accidents, with an average annual cost of $3,235. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget. 

CompanyAverage annual rates
USAA$3,235
Progressive$3,441
State Farm$6,671
Geico$6,878
Travelers$7,687
Allstate$10,832
Farmers$25,475

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

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage 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 

The average car insurance rate in Detroit for full coverage is $2,987 per year or $249 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Detroit is $823 per year. 

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState 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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