Car Insurance in Dearborn, Michigan

Car Insurance in Dearborn, Michigan

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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.

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Cheapest auto insurance in Dearborn, MI

Using a sample 30-year-old male driver, we compared 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

It is important to find as many quotes as you can in Dearborn. Going with one of the cheaper companies can mean a 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 driver 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
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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

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
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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
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Personal Injury Protection

Personal injury protection is unlimited in Michigan. 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.

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.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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