Auto Insurance Basics

Best Cheap Car Insurance in Detroit, Michigan

Find the Cheapest Insurance Quotes in Your Area

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Michigan's premier city Detroit, based on our analysis, is the most expensive city for car insurance in the country. With an average rate of $6,197 for a 30 year old male driver, full coverage car insurance is highly expensive in the city of about 700,000. Despite the hefty price tag, with some shopping around, you can still find a company that offers rates well below that average. We help you out by analyzing 22 companies in Detroit and seeing which was most affordable. 

Cheapest Auto Insurance in Detroit, MI

With an average price of $6,197 per year for a 30 year old driver, Detroit is quite expensive. Luckily, we found companies like MetLife and Hastings Mutual had rates well below that price. On the other hand, the nation's largest companies like State Farm and Allstate were actually some of the most expensive options in Detroit.  

Image displays the five cheapest auto insurers in Detroit, Michigan

It is important to get as many quotes as possible when shopping for car insurance. Just because you may have heard of a company before, doesn't mean they offer the best rates. Going with Allstate or State Farm could cost you thousands of more than going with MetLife or Hastings for example. Below is a list of the top ten insurers for our sample 30 year old driver in Detroit. 

CompanyYearly Rate
MetLife $2,136
Hastings Mutual $3,024
Chubb $3,108
Farm Bureau $3,420
Auto Owners $3,636
MEEMIC $3,696
Pioneer State Mutual $4,092
Frankenmuth $4,308
Auto Club Group $4,848
Hanover $5,172

Car Insurance Agents and Agencies in Detroit, MI

We collected the information of a handful of local agents and insurers in the Detroit area. While a handful of companies allow the whole process, including purchasing the quote, to happen online, most still want you to purchase through an agent. Many agencies will sell insurance for multiple companies, making it even more important you get quotes from many of those companies to ensure you are getting the best price

Agent/AgencyAddress
Fiesta Auto Insurance Center 6442 Michigan Ave, Detroit, MI 48210, United States
Kim-One Insurance Agency 11000 W McNichols Rd, Detroit, MI 48221, United States
Allstate Insurance: Ago Benavides 3570 W Vernor Hwy, Detroit, MI 48216, United States
L.A. Insurance 10231 Livernois Ave, Detroit, MI 48204, United States
Allstate Insurance: Shauna Johnson 18711 Grand River Ave, Detroit, MI 48223, United States
Tony Massey - State Farm Insurance Agent 15 E Kirby St #112, Detroit, MI 48202, United States
Cagwin Insurance Agency 3031 W Grand Blvd #320, Detroit, MI 48202, United States
Jim Saucedo - State Farm Insurance Agent 5602 Vernor Hwy, Detroit, MI 48209, United States
Kim-One Insurance Agency 3384 E Jefferson Ave #2, Detroit, MI 48207, United States
Dave Gilead Insurance Agency 18323 W McNichols Rd, Detroit, MI 48219, United States
Kenya Wells - State Farm Insurance Agent 20021 Kelly Rd, Detroit, MI 48225, United States
Angela Hughes - State Farm Insurance Agent 14511 W McNichols Rd, Detroit, MI 48235, United States
Charlotte Knight State Farm 7100 W 7 Mile Rd, Detroit, MI 48221, United States
John E Cash 19203 Grand River Avenue, Detroit, MI 48223, United States
L.A. Insurance 13002 Gratiot Ave, Detroit, MI 48205, United States

Car Insurance Requirements

In Michigan, you are required to hold a minimum amount of car insurance to legally drive. Michigan is part of a smaller group of 12 states that mandate personal injury protection insurance, meant to cover the expenses of injuries and to reduce the number of drivers suing each other. Drivers are also required to hold personal property insurance (PPI). Below we list all the requirements for car insurance in Michigan

Type of CoverageLimits
Bodily Injury Liability (BI) $20,000 per person/ $40,000 per accident
Property Damage Liability (PD) $10,000 per accident
Personal Injury Protection (PIP) Unlimited
Property Protection Insurance (PPI) Up to $1 million 

Personal Injury Protection 

PIP in Michigan is unlimited thus medical bills stemming from a car accident can be whatever price, and your PIP will cover it. The economic loss benefit of PIP also ensures that if you are disabled in an accident, personal injury protection will cover your lost wages for three years until you recover. As you may know, the wide array of benefits offered by PIP does make getting car insurance in Michigan expensive. Insurers give you an option however to reduce price by coordinating your health insurance with your PIP to reduce your premium. What this means is that your health insurance will take care of your medical bills while PIP will continue to pay for lost wages in the event of a disability. That would apply to most health care plans with the exception of those on Medicaid or Medicare, which you will not be able to coordinate with PIP.

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