The three cheapest car insurance companies in the Motor City are Chubb, GEICO and Encompass. Insurance rates vary based on your driving history and the coverage level you need. The table below shows which company is the most affordable for different categories, helping you choose the best option for your situation.
Cheapest Car Insurance in Detroit, MI
Updated: January 14, 2025
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Key Takeaways
The five cheapest car insurance companies in the Motor City are Chubb, Encompass, Westfield, Travelers and Progressive.
The lowest monthly car insurance rates are $53 for state minimum coverage and $126 for full coverage.
On average, drivers pay $182 per month for minimum coverage and $369 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Michigan Department of Insurance and Financial Services and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Detroit
| Chubb | Minimum Coverage | $53 |
| Chubb | Full Coverage | $126 |
| GEICO | Teens | $313 |
| Chubb | Young Adults | $59 |
| Chubb | Senior Drivers | $44 |
| Encompass | Drivers With Bad Credit | $117 |
| Chubb | Drivers With a Speeding Ticket | $53 |
| Chubb | Drivers With a DUI | $53 |
| Chubb | Drivers With an Accident | $53 |
| USAA | Military Affiliated Drivers | $45 |
Cheapest Car Insurance Coverage in Detroit
When searching for the cheapest car insurance in Detroit, comparing rates from multiple providers is key. Factors like age, driving history, vehicle type and coverage needs all play a role in the cost. Remember, the cheapest car insurance in Michigan provider might not offer the lowest rates in Detroit. Comparing car insurance quotes can help you find affordable coverage that meets your needs.
Cheapest Minimum Coverage Car Insurance in Detroit
Chubb offers the cheapest minimum coverage car insurance in Detroit at $53 per month, followed by Encompass at $79 per month. Check the table below to see different providers offering the best rates for minimum coverage.
| Chubb | $53 | $130 |
| Encompass | $79 | $103 |
| Westfield | $83 | $99 |
| Travelers | $89 | $93 |
| Progressive | $97 | $86 |
| GEICO | $104 | $78 |
| Auto-Owners Insurance Co | $107 | $75 |
| Grange Insurance | $145 | $37 |
| Farm Bureau Ins of MI | $163 | $19 |
| Pioneer State Mutual Ins Co | $176 | $6 |
Cheapest Full Coverage Car Insurance in Detroit
Chubb offers the cheapest full coverage car insurance in Detroit at $1,510 per year. Check the table below to compare different providers offering the best rates for full car insurance coverage in the area.
| Chubb | $126 | $243 |
| GEICO | $166 | $203 |
| Progressive | $192 | $177 |
| Auto-Owners Insurance Co | $203 | $166 |
| Westfield | $213 | $156 |
| Encompass | $219 | $150 |
| Travelers | $254 | $115 |
| Grange Insurance | $287 | $82 |
| Farm Bureau Ins of MI | $326 | $43 |
| Pioneer State Mutual Ins Co | $345 | $24 |
Cheapest Car Insurance in Detroit by Age
In Detroit, age doesn't dictate car insurance rates. Other factors, like driving history and car model, play a bigger role. That means teens and young drivers don't pay significantly more based on their age like they do in most other states.
Cheapest Car Insurance in Detroit for Teens
Auto-Owners, GEICO and Progressive offer the most affordable car insurance for teens in Detroit. Use the table below to find the lowest rates for teens in the area.
| GEICO | $313 | $376 | $382 | $933 |
| Progressive | $314 | $375 | $787 | $527 |
| Auto-Owners Insurance Co | $333 | $356 | $355 | $960 |
| Encompass | $396 | $293 | $491 | $824 |
Cheapest Car Insurance in Detroit for Young Adults
Chubb offers the cheapest car insurance for young adults in Detroit at $705 yearly, saving 71% compared to the city average. Other affordable options include Encompass at $951, Progressive at $1,170 and Travelers at $1,251.
| Chubb | $59 | $147 |
| Encompass | $79 | $127 |
| Progressive | $98 | $108 |
| Travelers | $104 | $102 |
| GEICO | $104 | $102 |
| Westfield | $107 | $99 |
| Auto-Owners Insurance Co | $112 | $94 |
| Grange Insurance | $143 | $63 |
| Pioneer State Mutual Ins Co | $190 | $16 |
| Farm Bureau Ins of MI | $203 | $3 |
Cheapest Car Insurance in Detroit for Seniors
Chubb offers the cheapest car insurance for seniors in Detroit at an annual rate of $527. Check the table below to explore options from other providers and find the best rates for senior drivers.
| Chubb | $44 | $141 |
| Encompass | $69 | $116 |
| Travelers | $94 | $91 |
| Progressive | $96 | $89 |
| Westfield | $97 | $88 |
| GEICO | $106 | $79 |
| Auto-Owners Insurance Co | $131 | $54 |
| Farm Bureau Ins of MI | $157 | $28 |
| Grange Insurance | $177 | $8 |
| Pioneer State Mutual Ins Co | $178 | $7 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can lower car insurance costs by using common discounts and bundling different insurance policies. Compare personalized quotes from multiple companies for the best deal. Improving your credit over time can also help you get a lower rate.
Cheapest Car Insurance in Detroit After a Driving Offense
Insurance providers assess risk by examining your driving record when calculating car insurance premiums. Violations like speeding tickets, accidents, or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations is more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Detroit After a DUI
For Detroit drivers with a DUI, affordable car insurance is possible. Chubb provides the cheapest minimum coverage at $632 annually. Check the table below to explore options from other providers and find the best rates for drivers with DUI in Detroit.
| Chubb | $53 | $426 |
| Progressive | $109 | $369 |
| Grange Insurance | $253 | $225 |
| Westfield | $269 | $210 |
| Auto-Owners Insurance Co | $273 | $206 |
| Pioneer State Mutual Ins Co | $372 | $107 |
| Encompass | $450 | $29 |
Cheapest Car Insurance in Detroit After an Accident
Finding affordable car insurance is possible for Detroit drivers with an impaired driving violation. Chubb provides the cheapest minimum coverage at $632 annually. Check the table below to explore options from other providers and find the best rates for drivers with impaired driving violations in Detroit.
| Chubb | $53 | $234 |
| Encompass | $117 | $170 |
| Auto-Owners Insurance Co | $125 | $162 |
| Westfield | $131 | $156 |
| Progressive | $133 | $153 |
| Farm Bureau Ins of MI | $192 | $95 |
| Pioneer State Mutual Ins Co | $207 | $80 |
| Travelers | $257 | $30 |
| Grange Insurance | $271 | $16 |
| GEICO | $273 | $13 |
Cheapest Car Insurance in Detroit After a Ticket
For drivers in the Motor City with a speeding record, Chubb offers the most affordable car insurance at an annual rate of $632. Encompass follows closely with a rate of $1,076 annually. Check the table below to explore options from other providers and find the best rates.
| Chubb | $53 | $221 |
| Grange Insurance | $195 | $79 |
| GEICO | $231 | $43 |
| Farm Bureau Ins of MI | $236 | $38 |
| Pioneer State Mutual Ins Co | $268 | $5 |
| Encompass | $90 | $184 |
| Westfield | $107 | $166 |
| Progressive | $119 | $154 |
| Auto-Owners Insurance Co | $146 | $127 |
| Travelers | $168 | $105 |
Cheapest Car Insurance in Detroit for Military Drivers
Military drivers in Detroit, including active-duty members, veterans and their families, can often find special discounts and competitive rates on car insurance. The cheapest car insurance providers for military drivers are USAA at $538 annually and Chubb at $632 annually for minimum coverage.
| USAA | $45 | $128 |
| Chubb | $53 | $120 |
| Encompass | $79 | $93 |
| Westfield | $83 | $89 |
| Travelers | $89 | $84 |
| Progressive | $97 | $76 |
| GEICO | $104 | $68 |
| Auto-Owners Insurance Co | $107 | $65 |
| Grange Insurance | $145 | $27 |
| Farm Bureau Ins of MI | $163 | $9 |
Car Insurance Quotes in Detroit
The estimated car insurance rates above give drivers in the Motor City a baseline for expected premiums, aiding those seeking affordable options. USAA offers monthly rates of $45, while Chubb is at $53. Since insurers consider individual factors, obtaining quotes is key for accurate cost estimates.
Compare Detroit Car Insurance Estimates Online
Since each insurer evaluates personalized factors uniquely when calculating premiums, comparing quotes from multiple companies is the only way to find the cheapest car insurance rates. With MoneyGeek, Detroit drivers can swiftly enter basic info and receive several car insurance quotes from different providers in minutes.
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$192
High
$139
Average
$87
Low
Rates updated:
Jan 14, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | ||
|---|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 | |
| 2 |  GEICO | 82 /of 100 | $109 | |
| 3 | 83 /of 100 | $118 | ||
| 4 | 83 /of 100 | $129 | ||
| 5 | 79 /of 100 | $133 | ||
| 6 | 77 /of 100 | $151 |
1
Capital Insurance Group
MoneyGeek Score
94
/of 100
Average Monthly Payment$87/mo
2
GEICO
MoneyGeek Score
82
/of 100
Average Monthly Payment$109/mo
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Car Insurance Agencies in Detroit
While comparing car insurance quotes online is quick, those in Detroit seeking personalized service should contact local agencies for specific needs. The table below includes names, review ratings, and contact information for the top car insurance agencies in the area.
How Much Does Car Insurance Cost in Detroit?
In Detroit, full coverage car insurance averages $4,429 per year. State minimum coverage is less, averaging $2,187 annually. Remember, these average rates are based on a 40-year-old with good credit and a clean driving record; your rate may differ.
Detroit Auto Insurance Cost by Driver Profile
See how your auto insurance stacks up with our summary of average rates for various driver profiles.
| Teen Drivers | No Data | $1,315 |
| Young Adults | $206 | $425 |
| Senior Drivers | $185 | $344 |
| Drivers With Bad Credit | $656 | $1,186 |
| Drivers With a Speeding Ticket | $273 | $528 |
| Drivers With a DUI | $479 | $891 |
| Drivers With an Accident | $287 | $564 |
| Military Affiliated Drivers | $172 | $350 |
How Expensive Is Car Insurance Detroit?
In Detroit, expect to pay more than double the state average for car insurance. Minimum coverage averages $182 monthly, 105% above Michigan's $89. Full coverage hits $369 monthly, 101% higher than the state's $184. Annually, Detroit drivers pay about 105% more for state minimum and 101% more for full coverage than the state average.
| Detroit Avg Rate | $182 | $369 |
| Michigan Avg Rate | $89 | $184 |
| vs Michigan Avg Rate | $-93 | $-185 |
Car Insurance Requirements in Detroit
In Michigan, drivers must have car insurance that meets the state's minimum coverage limits. This includes coverage for bodily injury and property damage that you might cause in an accident.
The minimum coverage amounts in Michigan are:
- $50,000 for bodily injury liability per person.
- $100,000 for bodily injury liability per accident.
- $10,000 for property damage liability per accident.
- Unlimited personal injury protection (PIP) per person.
Auto insurance policies offer financial protection against costs from accidents. Liability coverage helps pay for damage or injuries you cause to others if you're at fault.
For example, if you're responsible for an accident that injures another person, your policy's bodily injury liability per person will cover up to $50,000 of that person's medical expenses. It's essential to have adequate coverage to protect yourself financially.
If you're in Detroit and need SR-22 insurance, the state minimum coverage is what you're required to maintain. An SR-22 proves you're carrying the necessary insurance to drive legally.
Cheapest Car Insurance in Detroit: Bottom Line
Finding the cheapest car insurance in Detroit depends on your age, driving history and car, among other factors. Chubb and GEICO often have the most affordable plans. Always compare multiple quotes to make sure you're getting the best deal for you.
Cheap Detroit Car Insurance: FAQ
MoneyGeek answers common questions about car insurance in Detroit to help you find the most affordable coverage.
What is the cheapest car insurance company in Detroit, Michigan?
The cheapest car insurance company in Detroit, Michigan is typically Chubb, with average monthly rates of $126 for full coverage and $53 for minimum coverage. However, rates vary based on driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Detroit, Michigan?
The average cost of car insurance in Detroit, Michigan is around $4,429 per year for full coverage, while minimum coverage averages $2,187 per year. These rates can vary depending on your specific circumstances
Is car insurance in Detroit, Michigan, expensive?
Yes, car insurance in Detroit, Michigan, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Detroit, MI
To help Detroit drivers find the most affordable auto insurance companies, MoneyGeek analyzed Detroit auto insurance rates based on data and information from the Michigan Department of Insurance and Financial Services and Quadrant Information Services.
Detroit Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Detroit with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Detroit
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Michigan are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
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.