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.

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.

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:

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.