Cheap Auto Insurance in Hamtramck, Michigan

Cheap Auto Insurance in Hamtramck, Michigan

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We compared rates from the top insurers and found that MetLife offers the cheapest car insurance quotes in the Hamtramck area. MetLife's rate of $2,136 per year for auto insurance was 30% cheaper than the city average. The cost of a policy will vary based on your driving history, age and other factors in addition to your location, so we recommend that you compare prices from multiple insurers in order to find the best rates. To get started finding car insurance quotes from companies near you in Hamtramck, you can enter your ZIP code above.

Hamtramck, Michigan, Car Insurance Costs

In the Detroit metro area, which contains Hamtramck, we found the average cost of an auto insurance policy was $6,197 per year. Compared to the Michigan state average, the cost of auto insurance was 103% more expensive in Hamtramck—the average annual auto insurance rate is $3,059 in Michigan. The cheapest car insurance company in Hamtramck, MetLife, offered rates that were $10,944 more affordable than the most expensive insurer, Allstate. This large difference in rates is one of the primary reasons we recommend that drivers compare car insurance quotes before purchasing a policy.

Comparing the cost of auto insurance in Hamtramck, Michigan

Hamtramck, Michigan, Auto Insurance Agents

Some drivers prefer to work with a local agent when purchasing auto insurance or managing their policies, particularly if they're not sure what coverage to buy. If you'd prefer to work with a local car insurance agent, we compiled a directory of agents near you in Hamtramck, Michigan.

Lewis & Thompson Agency Inc2617 West Grand Blvd, Detroit Mi 48208-1234313-875-7555
Marsh Usa Inc600 Renaissance Ctr Ste 2100, Detroit, MI 48243313-393-6800
Marsh Usa Inc1 Woodward Ave, Detroit, MI 48226-3422616-459-4400
Timberland Group Services Inc6900 E 10 Mile Road, Center Line, MI 48015586-758-4800
Executive Strategies Inc1246 Berkshire Rd, Grosse Pointe, MI 48230313-881-8069
Donald K Pierce & Co18118 Mack, Grosse Pointe, MI 48230313-343-0000
Midwest Underwriters Insurance Agency Inc19640 Harper Ave Ste A, Grosse Pte Woods, MI 48236313-884-8600
Charles L Descamps & Son Ins28221 Mound Rd, Warren, MI 48092586-575-9100
Baker-hopp & Yee20789 Harper, Harper Woods, MI 48225313-886-6770
Lakepointe Agency20844 Harper Ste 101, Harper Woods, MI 48225313-881-8882
Eagle Rock Insurance Agency1904 11 Mile Rd, Berkley, MI 48072-3046248-932-9966
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Car Insurance Requirements in Hamtramck, Michigan

All car owners in the Wolverine State are required to maintain liability insurance, uninsured motorist coverage and personal injury protection—and these restrictions apply in Hamtramck as well. In Michigan, the minimum car requirements are:

  • Bodily Injury Liability Coverage: $20,000 per person/$40,000 per accident
  • Property Damage Liability Coverage: $10,000 per accident
  • Uninsured/Underinsured Motorists Bodily Injury (UMBI/UIMBI): $25,000 per person / $50,000 per accident
  • Personal Injury Protection (PIP): Until full recovery (no longer needing rehab)
  • Property Protection Insurance (PPI): $1M per accident

Keep in mind that these are just the state-required minimums. If your vehicle was stolen or damaged in a noncollision, such as if it was dented by hail, the cost would not be covered by a car insurance policy that only meets Michigan's minimum requirements. Instead, you would need comprehensive and collision insurance which covers your vehicle if it is stolen or damaged due to a wider set of circumstances.

Drivers are also required to have proof of auto insurance either on your person or in your car at all times when operating a vehicle in Hamtramck. Failure to provide this proof to a police officer may result in fines and suspension of your license.

Hamtramck, Michigan, Motor Vehicle Theft and Fatality Statistics

In Hamtramck, there have been 224 fatal car crashes resulting in 238 total deaths. Auto insurance companies take the frequency of auto accidents into account when determining local rates for drivers, even if you haven't been involved in a collision, because it means you may be more likely to be struck by another vehicle. If you live in a city with a high frequency of serious auto accidents, you can typically expect to pay more for auto insurance than areas with safer roads.

Local Auto Thefts (2009)361
Local Thefts Per 1,000 People16.26
State Thefts per 1,000 People2.98
Auto Accidents224
Auto Fatalities238
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Make and Model
Unknown Make Unknown (automobile)015
Ford F-Series pickup410
Ford Bronco (thru 1977)/Bronco II/Explorer/Explorer Sport59
Harley-Davidson 750cc or greater77
Suzuki 450-749cc77
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Day Of Week
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Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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