Car Insurance in Dearborn, Michigan

Dearborn, Michigan has some of the highest car insurance rates in Michigan and the country. Only second behind Detroit, the average rate for our benchmark 30-year old male is as high as $5,135 per year. Fortunately, there are still ways to find a good deal. We take a look at multiple companies in the Dearborn area to see where drivers can find the lowest car insurance rates. 

Cheapest Auto Insurance in Dearborn, MI

Using a sample 30 year old male driver, we got quotes from 22 companies in Dearborn to see which offered the best rates. Like in many other Michigan cities, MetLife had the most affordable insurance rates. Interestingly, some of the nation's largest companies like State Farm and Allstate did not rank among the lower-cost carriers in Dearborn. In fact, those companies placed toward the bottom. Below you can see the five cheapest auto insurers in Dearborn based on our analysis of our benchmark driver.

Image displays the five cheapest auto insurers in Dearborn, Michigan

Clearly it is important to find as many quotes as you can in Dearborn. Going with one of the cheaper companies can mean the difference of thousands of dollars per year. For our 30 year old man, that meant paying $3,563 less per year compared to what the average company was charging in Dearborn. We list the top ten insurers for our sample 30 year old drive below:

CompanyYearly Rate
MetLife $1,572
Hastings Mutual $1,716
Chubb $2,520
MEEMIC $2,868
Auto Owners $3,252
Frankenmuth $3,408
Pioneer State Mutual $3,648
Auto Club Group $4,188
Hanover $4,524
Grange Insurance $4,740

Car Insurance Agents and Agencies in Dearborn, MI

We also found a series of auto insurance agents and agencies in the Dearborn area.  Many companies allow the whole quote process to happen online. There are also many companies who still manage operations through agents, however, for those motorists who prefer a face-to-face experience.

Agent/AgencyAddress
Bob Zakar - State Farm Insurance Agent 936 N Telegraph Rd, Dearborn, MI 48128, United States
Dearborn Agency Inc 22691 Michigan Ave, Dearborn, MI 48124, United States
Allstate Insurance: Amal Attal 822 Oakwood, Dearborn, MI 48124, United States
Allstate Insurance: LeAndra Champnella 24234 Michigan Ave, Dearborn, MI 48124, United States
AAA Insurance Agency - M.Ijbara Insurance Agency, LLC 16030 Michigan Ave #210, Dearborn, MI 48126, United States
Jerry & Verda Toler Insurance Agency 23550 Ford Rd, Dearborn Heights, MI 48127, United States
Elizabeth Wilder - State Farm Insurance Agent 2006 Monroe St, Dearborn, MI 48124, United States
State Farm: Bissan Harb 24528 Ford Rd, Dearborn Heights, MI 48127, United States
Farmers Insurance - Ghada Mustapha 10619 W Warren Ave, Dearborn, MI 48126, United States
Reem Haidar - State Farm Insurance Agent 3915 S Telegraph Rd, Dearborn Heights, MI 48125, United States

Car Insurance Requirements

Michigan is part of a smaller group of states that requires all drivers to hold personal injury protection insurance. In addition to PIP, drivers must also have property protection insurance (PPI). Below we list the requirements for car insurance in Michigan and the minimum limits to drive.

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 

Personal injury protection is unlimited in Michigan. What this means is that your medical bills stemming from a car accident can be whatever price, and your PIP will cover it. Personal injury protection also covers your lost wages up to a certain amount if you are unable to work due to your injuries. To help with pricing, you can coordinate your health insurance with your PIP to reduce your premium. In this case, your health insurance will cover your injures while PIP will continue to pay for lost wages in the event of a disability. If you have Medicare or Medicaid, you will not be able to coordinate the two however.

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