Updated: May 20, 2024
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The best car insurance will depend on your needs and driving profile. Chubb emerged as the highest-scoring insurance company overall in Detroit. It also offers the best customer service, cheap policies and is ideal for young drivers, seniors and those with offenses. Auto-Owners is an excellent choice for teens on a family policy, while Travelers has the best coverage for new car owners.
MoneyGeek also analyzed the cheapest car insurance in Detroit.
BestCar InsuranceDetroitTable of Contents (Jump to Your Best Fit)
Why Trust MoneyGeek? We collected thousands of quotes in Detroit and referenced information from Quadrant Information Services and the Michigan Department of Insurance and Financial Services. This information was then used to score insurers using our unique ranking system.
For the average driver in Detroit, the overall best car insurance providers for full coverage are:
Chubb scored well for affordability and satisfaction, two of the most important categories to be considered the best overall insurer in a given city. This insurer also emerged as the best car insurance company in Michigan, scoring 95 out of 100.
Military families may want to consider USAA. It scored 85 out of 100.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the overall best car insurance was calculated with the following weights:
Exceptional customer service
Affordable premiums
Offers rental car/travel reimbursement
Lacks common coverages options
No accident forgiveness or roadside assistance
Chubb is a highly-rated insurance company that offers excellent customer service and competitive pricing to drivers in Detroit. It scored 89 out of 100 and costs $977 per year for a full coverage policy. But it is limited in terms of coverage offerings.
This insurer offers rental car and/or travel reimbursement, which reimburses expenses when your car is damaged. This coverage lets you rent a car similar to the one you own, and coverage limits go as high as $5,000. It does not offer more common coverages like roadside assistance or accident forgiveness.
Chubb offers discounts for insuring multiple cars, bundling auto and home insurance and being a safe driver. These benefits, along with its competitive pricing, make Chubb an excellent choice for drivers in Detroit.
Out of 13 top insurers in Detroit, Chubb ranked as the best car insurance company for performing well in most categories, including affordability, customer satisfaction and claims management. The runner-up did outperform it on coverage options.
Rates in this category are for a full coverage policy, and only companies that we could rate for every factor received a MoneyGeek score.
| Chubb | 89 | $977 | 5 | 4 | 3 | 5 |
| Westfield | 80 | $3,101 | 5 | 3 | 4 | 3 |
| Farm Bureau Ins of MI | 79 | $3,516 | 5 | 4 | 4 | 2 |
| Auto-Owners Insurance Co | 78 | $2,360 | 4 | 3 | 4 | 5 |
| Travelers | 74 | $2,239 | 4 | 3 | 4 | 5 |
| GEICO | 73 | $1,812 | 4 | 2 | 3 | 5 |
| Progressive | 72 | $1,777 | 3 | 2 | 4 | 4 |
| Pioneer State Mutual Ins Co | No Data | $2,625 | 5 | No Data | 1 | 4 |
| Encompass | No Data | $2,634 | 5 | No Data | 3 | 4 |
| State Farm | 65 | $4,927 | 4 | 2 | 3 | 5 |
| Grange Insurance | 64 | $3,844 | 4 | 2 | 4 | 2 |
| Farmers | 47 | $10,028 | 3 | 2 | 4 | 3 |
| Hanover | 46 | $11,992 | 4 | 2 | 4 | 3 |
When cost is not a factor, the top companies for customer service and full coverage policies in Detroit are:
Chubb is an excellent choice for those prioritizing customer service and claims management. It is also affordable, so policyholders won’t pay extra for top-notch service.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Customer Service was calculated with the following weights:
Excellent claims management
Exceptional customer service
Cheapest premiums compared to other insurers
Does not offer common coverages options
No deductible modification or gap insurance
Chubb is a highly rated insurance company for customer service. It scored 76 out of 100 and costs $977 per year for a full coverage policy. Chubb has a wide range of benefits and is an excellent choice for drivers looking for excellent claims management and exceptional customer service at an affordable rate.
In addition to rental car and/or travel reimbursement, Chubb also offers OEM coverage. This is a coverage that pays for the replacement of damaged parts with original parts. The benefit of this is that original parts will be used to repair your car, making it safer to use after an accident.
While Chubb excels in terms of customer service, its coverage options are limited, and many core coverage options are missing.
Having good customer service means that an insurer provides assistance to its policyholders in an efficient and supportive manner.
Based on J.D. Power ratings, Chubb took the top spot in this category, ranking highly in customer service and claims management. While Farm Bureau Ins of MI scored better for coverage options, Chubb’s superior claims and service scores earned it a first-place score.
MoneyGeek's analysis of affordability and service quality determined that the best insurers for minimum coverage policies in Detroit are:
While these providers may offer the cheapest rates in Detroit for minimum coverage, they may not provide sufficient protection against liability costs. It's worth considering additional coverage options.
The minimum car insurance requirements in Michigan are the same for all cities.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the Best Cheap company was calculated with the following weights:
Above-average claims management
High satisfaction score
Offers bundling and anti-theft system discounts
Below-average coverage score
Chubb scored 89 out of 100 and costs $391 per year. It is a top choice for drivers seeking excellent claims management and exceptional customer service at an affordable rate.
This insurer offers a few ways for policyholders to save even more money. For policyholders who bundle their home and auto insurance policies, discounts are available. Customers can also save money by having an alarm or active/passive disabling device in their vehicles.
A unique discount Chubb offers is a honing device discount for drivers with electronic tracking devices in their vehicles. This insurer is missing some of the most common discount opportunities, like safe driving, multiple car and paperless discounts.
While Chubb offers some of the cheapest policies in Detroit, don’t forget that it has limited coverage options.
Policies that meet the minimum requirements set by the state are known as minimum coverage policies. Although these policies may be cheaper, there may be a trade-off with customer service quality.
Chubb ranks as the best company for cheap policies, but its coverage and affordability scores are lower than Travelers, the runner-up. It does score better in terms of customer service and claims management.
The best car insurance companies for young adults in Detroit who need a full coverage policy are:
Chubb ranked the highest on affordability and customer satisfaction, which are both good indicators of a good insurer that will be reliable in times of emergencies.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Young Adults was calculated with the following weights:
High affordability score, with policies costing around $1,084 annually
Excellent customer service score
Below-average coverage
No specific discounts for young adults
Chubb is an ideal choice for young adult drivers due to its focus on excellent claims management and exceptional customer service. It costs $1,084 per year to buy a policy from this insurer, which is the cheapest option among all companies evaluated.
This insurer offers unique coverage options, such as OEM coverage, that may be particularly attractive to younger drivers who want to ensure their vehicle is repaired to its original specifications. Young drivers can also take advantage of discounts like defensive driving or having anti-lock brakes installed in their vehicles. Having a honing device can also help policyholders save money.
By offering affordable premiums and exceptional service, Chubb is an excellent option for young adult drivers looking for reliable and comprehensive car insurance.
Insurance companies that cater to young adults should offer policies that are affordable and with coverages and discounts specifically tailored to their unique needs and risks as young drivers.
When searching for insurance policies, young adults should seek out policies with lower premiums, higher deductibles and discounts for young drivers. Chubb is the best option in Detroit due to its affordable premiums and excellent service, but the runner-up offers more coverage options.
The best car insurance companies for teens on a full coverage family policy in Detroit are:
Auto-Owners scored highly in affordability and coverages, which means teens can ensure financial protection at a reasonable price.
Insurance companies generally offer lower premiums for family plans than for individual policies. In Detroit, the average cost of a family premium is $3,897 less per year than an individual policy. Insurers will not allow teens under 18 to get a policy without a guardian’s permission.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Teens was calculated with the following weights:
Affordable premiums at around $4,201 annually
Above-average satisfaction score
Offers distant student and good student discounts
Complaints about claims processing delays
Lower coverage score
Auto-Owners offers a range of coverage options that might be appealing to teen drivers and their parents. In addition to standard coverage options, Auto-Owners offers a number of discounts that can help young drivers save money on their car insurance premiums.
For example, Auto-Owners offers a good student discount, which rewards young drivers who maintain a certain grade point average. Additionally, the company offers a discount for drivers who attend school more than 100 miles away from home and don’t take their vehicle with them.
Auto-Owners also offers optional coverages that may be useful for teen drivers, such as rental car coverage and roadside assistance. These coverages can provide peace of mind for parents since they know that their teen driver has access to a rental car or assistance in the event of a breakdown or other issues.
To be considered the best insurer for teens, an insurance company should provide adequate coverage, affordable rates and discounts tailored to young drivers.
Auto-Owners checks most of the boxes for these requirements, earning the top spot in this category. The runner-up, GEICO, did score better in terms of affordability.
The best car insurance for seniors in Detroit for full coverage are the following insurers:
Chubb scored highly for affordability and customer service, which are two key factors that seniors can benefit from when choosing an insurer. The rates for drivers in their 30s through 60s are generally comparable, but premiums tend to rise once a driver reaches their 70s. Since rates typically increase for this demographic, it's essential to find an insurer that offers affordable policies to save money.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Seniors was calculated with the following weights:
High satisfaction score
Affordable premiums costing around $809 annually
Below-average coverage score
No senior-specific discounts
Chubb earned a MoneyGeek score of 89 out of 100 and costs around $809 per year.
Chubb Auto Insurance is an excellent choice for seniors due to its exceptional customer service and focus on claims management. Seniors looking for unique coverage options, such as original equipment manufacturer (OEM) coverage, which can help ensure their vehicle is repaired with original parts. This ensures the continued safety of their vehicle by repairing it with parts that are specific to their car.
By offering affordable premiums and comprehensive coverage, Chubb is an excellent option for seniors looking for reliable car insurance. The downsides for this insurer include lacking coverage options and no senior-specific discounts to help seniors save even more money. Fortunately, Chubb does offer some easy ways to cut costs, including discounts for bundling and defensive driving.
Although drivers in their 60s are typically safe drivers, they are more vulnerable to serious injuries if they get into accidents. It is important to find an insurer that provides adequate coverage for personal injury protection (PIP) or medical payment coverage. Additionally, the best car insurance companies for seniors should offer various discounts specifically for seniors.
While Chubb doesn’t offer senior-specific discounts, it is affordable and offers excellent service.
Drivers with poor driving records in Detroit can find the best deals on full coverage policies from the following insurers:
Chubb scored the highest individually in affordability and customer service.
Car insurance premiums tend to increase based on how severe the driving infraction is. In Detroit, drivers with tickets could pay $1,622 more per year than a driver with no violations, while a DUI can result in an increase in rates of around $5,569 annually.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Drivers With Offenses was calculated with the following weights:
High satisfaction score
Affordable premiums of $977 annually
Offers rental car/travel reimbursement
Below-average coverage
No roadside assistance, accident forgiveness or new/better car replacement coverage
Chubb is beneficial for drivers with traffic offenses as it provides affordable policies costing around $977 per year. It also has excellent customer service and claims management scores. Policyholders even have the opportunity to save money by taking advantage of the discount offerings Chubb provides.
This insurer offers coverages like rental car coverage. Unfortunately, that’s the only coverage that’s highly beneficial for drivers with infractions. Important coverages like roadside assistance, accident forgiveness and new/better car replacement coverages are not available from this insurer. In general, Chubb is lacking when it comes to coverage options.
Fortunately, the insurer makes up for it with all other factors, making it a worthwhile contender for those with driving violations to consider.
Finding a suitable auto insurance policy can be a challenge for drivers with driving offenses. Insurance companies should offer comprehensive protection for such drivers in the event of an accident. Drivers should consider policies that provide discounts, have a strong financial standing and are known for their exceptional customer service.
While Chubb’s coverage score is low, it ranked well for affordability, service and claims management. It’s a great option for drivers with violations.
In Detroit, the following auto insurance companies are the best choice for new car owners and full coverage policies:
For this specific category, the rating is determined by examining Michigan drivers who own a 2022 model car. Additionally, we have solely evaluated insurance companies that provide new car replacement or better car replacement coverage. This type of coverage replaces a vehicle with a new or improved model if it is totaled in an accident covered by the policy.
Travelers scored best for affordability and coverage options.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for New Cars was calculated based on insurers offering new or better car replacement coverage and the following weights:
Above-average coverage score
Affordable premiums of $2,894 annually
Has new car replacement coverage
No better car replacement coverage
Lower satisfaction score
For new car owners, Travelers is a reputable choice that provides a variety of coverage options and discounts to help drivers save on their premiums. With a cost of around $2,894 per year for Detroit drivers, Travelers is a popular insurance provider with a good reputation for customer service.
New car owners can benefit from the insurance's new car replacement coverage, which can pay for the cost of a new car within the first five years of ownership if it is totaled. Policyholders can also access gap insurance, which covers the difference between the car's actual value and the amount owed on a lease or loan.
This insurer also offers a new vehicle discount to help new car owners save even more money, making it an excellent choice if you just purchased a car.
Insurance companies that aim to provide excellent policies for new car owners must offer sufficient coverage that factors in the vehicle's value and the possibility of high repair or replacement expenses, including new car replacement coverage.
Travelers is the top option in Detroit for new car owners given its affordability and coverage options as well as its discount opportunities.
Researching and comparing policies from different insurance providers, checking customer reviews and looking up the financial ratings of companies are all important steps when finding a suitable insurer. Here’s how to conduct your own research to find the best insurer in Detroit for your needs.
When evaluating a car insurance company, its customer service can offer valuable insights into the experience drivers may have when filing a claim or seeking information about their policy. We evaluated and ranked companies based on their customer service reputation, but drivers can also research each company's J.D. Power satisfaction scores and National Association of Insurance Commissioners (NAIC) complaint ratios. It may also be useful to consult the Michigan Department of Insurance and Financial Services.
The scores and policy rates listed in this study can give Detroit drivers an idea of what they may expect to pay for a policy. It's always advisable to compare at least three insurance providers in your area to gain a better understanding of your options since our rates are based on a sample driver profile.
Insurance companies may promote specific coverages or discounts that are not available in your state. If you have a particular insurer in mind for their advertised coverage, it's crucial to confirm that they offer coverages and discounts that meet your needs based on your location.
Large auto insurance companies tend to have more resources and a larger customer base, which can make them more financially stable than regional companies. This can be especially important in the event of a large-scale disaster or economic downturn, as large companies are often better able to weather the financial impact and continue to provide coverage to their customers, while smaller companies might struggle.
Determining the best car insurance in Detroit relies on your individual coverage requirements and financial constraints. We answered some frequently asked questions regarding car insurance in Detroit.
In Detroit, Michigan, Chubb is the best overall insurer, with a score of 89 out of 100, with policies costing around $977 per year. It also outperformed other insurers as the best company for most categories.
Chubb is the best option for service, affordable minimum coverage policies, young drivers, seniors and those with violations.
The best cheap company in Detroit is Chubb, offering a minimum coverage policy for $391 per year. It is also the best insurer overall, for customer service, young drivers, those with violations and seniors.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
