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.
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:
|
Company | Yearly 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/Agency | Address |
|---|---|
|
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 |
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Allstate Insurance: LeAndra Champnella | 24234 Michigan Ave, Dearborn, MI 48124, United States |
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AAA Insurance Agency - M.Ijbara Insurance Agency, LLC | 16030 Michigan Ave #210, Dearborn, MI 48126, United States |
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Jerry & Verda Toler Insurance Agency | 23550 Ford Rd, Dearborn Heights, MI 48127, United States |
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Elizabeth Wilder - State Farm Insurance Agent | 2006 Monroe St, Dearborn, MI 48124, United States |
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State Farm: Bissan Harb | 24528 Ford Rd, Dearborn Heights, MI 48127, United States |
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Farmers Insurance - Ghada Mustapha | 10619 W Warren Ave, Dearborn, MI 48126, United States |
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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 Coverage | Limits |
|---|---|
|
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 injuries 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.