Best Cheap Car Insurance in Detroit, Michigan – ValuePenguin

detroit is one of the most expensive cities in the united states for auto insurance. That makes it the most expensive major city in the US. uu. and the third most expensive city of any size in michigan for auto insurance.

However, drivers can save up to 66% off the average price of auto insurance by shopping around for the best deal. progressive has the most affordable rates for most drivers, starting at just $1,817 for a minimum policy.

Reading: Cheap car insurance in detroit

Each driver will find different rates based on their driving history, where they live, and the type of car they drive, so the only way to ensure you’re paying the best price for you is to get quotes from multiple insurers.

the cheapest auto insurance in detroit: progressive

Car owners were priced for comparable coverage at just $1,853 per year. The absolute lowest rate was in USAA – it provided us with a typical rate of $808 per year. however, usaa is only available to people who served in the military and their families.

cheapest full coverage car insurance in detroit: progressive

cheap car insurance for drivers with previous incidents

Insurance companies use your driving record to estimate the likelihood that you will file a claim in the future. Unfortunately, if you have an incident in the recent past, that means you’re likely to pay more for auto insurance.

the cheapest car insurance in detroit after an accident: progressive

After an accident, rates in Detroit increase by an average of 56%, to an average of $13,274 for a one year full coverage policy.

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cheaper car insurance for people with a speeding ticket: progressive

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A speeding ticket tells insurers that you’re more willing to take risks behind the wheel, so your insurance company is likely to raise rates if you’re caught speeding.

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car insurance rates in detroit increase by 38% after a speeding ticket.

cheapest car insurance for drivers with dui: progressive

Driving under the influence is a serious offense, and insurance companies tend to increase your rates considerably if you are convicted. The typical rate was $29,182 for a comprehensive coverage policy after a DUI in Detroit, and one insurer charged more than $100,000 for a policy.

Sadly, no other widely available insurer offered us a comparable rate: car owners gave us a typical price of $9,779 a year.

cheapest minimum car insurance for young drivers – car owners

Younger drivers are often very expensive to insure as they don’t have much practice behind the wheel and tend to have poorer judgment than older drivers. As a result, the typical 18-year-old can expect to pay about $10,580 for state minimum auto insurance.

One of the best ways for teens to save on car insurance is to share a policy with an older family member or take a driver’s education class beyond what’s required to get their license.

average cost of car insurance in detroit, by neighborhood

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The cost of auto insurance can vary significantly by location, even within a given city. For example, you may pay more for car insurance if you live near a busy street or in an area with a lot of car thefts. There was a 60% difference in price between the cheapest and most expensive neighborhoods in Detroit.

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auto theft statistics in detroit

auto theft is a major problem in detroit. Cars are stolen more often in Detroit than any other major city in Michigan, with an average rate of 10.4 thefts per 1,000 people in 2019. That’s more than triple the rate in Lansing, which has the second-highest number of carjackings. robberies of any major Michigan city, and nearly five times the state average of 2.3 robberies per 1,000 people.

methodology

We collected data from eight of the largest insurers in Michigan. our sample driver was a 30 year old male driving a 2015 honda civic ex. unless otherwise noted, the driver had poor credit and received rates for a minimum coverage policy.

In instances where our sample controller was comparing rates for a full coverage policy, the following limitations were used:

valuepenguin’s analysis used insurance rate data from quadrant information services. These rates were obtained publicly from insurer filings and should be used for comparison purposes only. your own quotes may be different.

source:

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