Detroit, MI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Detroit, MI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Ways to Lower The Cost of Car Insurance in Detroit, MI
The average cost of auto insurance in Detroit, Michigan, is $2,558. This is lower than the cost of auto insurance in neighboring places such as Oak Park, Royal Oak Charter, Pleasant Ridge, Hazel Park, and Highland Park. Car owners can save more on auto insurance by comparing multiple auto insurance quotes from different car insurance companies. The cost of car insurance can vary from one neighborhood to another depending on the rate of auto thefts in that area and the make and model of the vehicle.
The cost of auto insurance is dependent on numerous factors such as the age of the driver, rate of deductibles, and demographics. Below are some of the ways in which car owners can reduce the cost of auto insurance in Detroit, MI.
Multi-car Insurance:
Car owners with multiple vehicles can improve savings by insuring all their vehicles with the same auto insurance company. Multi-car insurance policies can greatly help in reducing the cost of auto insurance. The cost of insuring two vehicles in Detroit is $4,502. This can help in improving savings to $614. Car owners here can save up to $1,228 on multi-car insurance policies. This completely depends on the number of cars that the owner possesses.
Anti-theft Discounts:
Car insurers across Michigan offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
In Detroit, car owners can save up to $180 on a single anti-theft device.
Green Discounts:
With the advent of technology to help determine the cost of insurance based on the number of miles driven, insurance companies have also started offering better discounts to drivers who drive below a certain limit, hence contributing to a reduction in emissions. Car insurance companies also provide discounts to owners who own hybrid and electric vehicles, since this contributes to the reduction in emissions as well.
Student Discounts:
Lots of insurance companies provide discounts to young student drivers. This also depends on a good grade point average. Some car insurance companies also provide discounts between 8-10 percent to drivers under the age of 21, called the driver training discount.
While looking to lower the cost of car insurance, it is also essential to remember to strike a balance between your requirements and the cost. The cost of car insurance is influenced by numerous factors, ranging from micro-level factors such as the street one lives to macro-level factors such as the make of the car. It would also be wise to look into the best insurance companies in Detroit and Michigan before arriving at a decision.
Drunk driving in Detroit will cost you $8554 in auto insurance
At $4599, Detroit has one of the highest annual average auto insurance rates in the country as of December 2013. The state average of $2520 is amongst the highest state averages in the country. Given that it is in mandatory in Michigan, auto insurance is a substantial expense in owning and operating a car in Michigan. The rates do vary across the state. For instance, it costs an average $1757 in Muskegon, $2945 in Dearborn and $3203 in Flint to buy auto insurance.
Insurance premiums being as high as they are in Michigan, it is important to maintain a good driving record so as not to allow the costs of owning a car spiral out of control. The costs of bad or irresponsible driving may provide motivation to drive safe. For example, we all know that accidents will drive up insurance costs. One accident will push up your premium to $5664 in Detroit. A second accident will push it up to $8450.
Drunk driving can have an even bigger impact on insurance costs than accidents. If you get caught driving drunk in Detroit your premium will skyrocket from $4599, which is already high, to $8554 in one shot. At that cost, it might be just plain impossible to maintain a car. A defensive driving course will not only help you become a better driver who is less prone to have accidents but also reduce your inflated premium payments by up to 15%. In Detroit, a 15% reduction in premium after getting caught drunk driving will see the premium stand at $7271. That reduced rate is still amongst the highest in the country.
One of the reasons for the expensive insurance rates in Michigan is the high number of alcohol impaired driving fatalities. Of the 938 traffic fatalities in Michigan in 2012, 259, or 28%, were alcohol related. If $8554 isn’t enough motivation to drive safely, then consider the cost of your life.
Factors that can influence the cost of car insurance in Detroit, MI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Detroit, MI Auto Insurance Rates
- Detroit, MI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Detroit, MI
- Multi Vehicle Insurance Savings in Detroit, MI
- How Credit Score Affects Car Insurance Rates in Detroit, MI
- How DUI Affects Auto Insurance Premiums in Detroit, MI
- Top Auto Insurance Agents Near Detroit, MI
- How Driving Violations Affect Auto Insurance Rates in Detroit, MI
- Detroit, MI Auto Insurance Discounts on Anti Theft Feature
- Detroit, MI Auto Insurance Company Reviews
Detroit, MI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Detroit, MI with that of other cities in and around Detroit.
| Detroit | Oak Park | Royal Oak charter | Pleasant Ridge | Hazel Park | Highland Park | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,558 | $2,654 | $2,595 | $3,346 | $2,584 | $3,239 |
Detroit, MI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Detroit, MI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Detroit | $1,416 | $1,196 |
| Highland Park | $1,420 | $1,200 |
| Hamtramck | $1,404 | $1,186 |
| Hazel Park | $1,550 | $1,309 |
| Ferndale | $1,052 | $888 |
| Royal Oak charter | $1,354 | $1,144 |
| Pleasant Ridge | $2,100 | $1,774 |
| Oak Park | $1,559 | $1,317 |
Detroit, MI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Detroit, MI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $8,300 |
| 20 Years | $3,287 |
| 30 Years | $2,532 |
| 40 Years | $2,436 |
| 50 Years | $2,256 |
| 60 Years | $2,287 |
| 70 Years | $2,662 |
Detroit, MI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Detroit, MI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $4,502 | $614 |
| 3 Vehicles | $6,753 | $921 |
| 4 Vehicles | $9,004 | $1,228 |
Savings on 2 Vehicles bundle:$614
Savings on 3 Vehicles bundle:$921
Savings on 4 Vehicles bundle:$1,228
Detroit, MI Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Detroit, MI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Detroit | $2,558 | $6,373 |
| Highland Park | $3,239 | $8,069 |
| Hamtramck | $2,581 | $6,430 |
| Hazel Park | $2,584 | $6,437 |
| Ferndale | $2,736 | $6,816 |
| Royal Oak charter | $2,595 | $6,465 |
| Pleasant Ridge | $3,346 | $8,336 |
| Oak Park | $2,654 | $6,612 |
Detroit, MI Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $2,195 |
| Excellent (740-799) | $2,505 |
| Good (670-739) | $2,665 |
| Average (580-669) | $3,477 |
| Poor (300-579) | $4,172 |
Detroit, MI Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| David Wagner | Allstate | 5788 E 12 Mile Rd, Warren, 48092 | (586) 573-7800 |
| David Wagner | Allstate | 5788 E 12 Mile Rd, Warren, 48092 | (586) 573-7800 |
| James Ralph Agency, Inc. | None | 17515 W 9 Mile 17515 W 9 Mile, Southfield, 48075 | None |
| James Cunningham | Allstate | 605 W 11 Mile Rd, Royal Oak, 48067 | (248) 398-1393 |
| Indiana University | Travelers | 4 PARKLANE BLVD SUITE 414, DEARBORN, 48126 | 866-795-6128 |
| Pennsylvania Power & Light - Aa | Travelers | C/O SEABURY & SMITH 4 PARKLANE BLVD STE 414, DEARBORN, 48126 | 888-878-0105 |
| Angie Mapp | State Farm | 417 E 4th Street, Royal Oak, 48067-2758 | 248-398-2222 |
| Elizabeth Wilder | State Farm | 2006 Monroe St, Dearborn, 48124-2921 | 313-278-6020 |
| Betty Turner | State Farm | 26491 Hoover Rd, Warren, 48089-1102 | 586-757-8044 |
| Cna Insurance | Travelers | 4 PARKLANE BLVD SUITE 414, DEARBORN, 48126 | 866-795-6128 |
| Michelle Sims | State Farm | 24970 Outer Dr, Lincoln Park, 48146-1286 | 313-928-1348 |
| Gary Serdoz | State Farm | 30260 John R Rd, Madison Hts, 48071-5205 | 248-583-3303 |
Detroit, MI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$113 | $2,671 |
| Driver's Failure In Showing Documents | +$248 | $2,806 |
| Driving With An Expired Registration | +$263 | $2,821 |
| Driving At A Considerably Slow Pace | +$555 | $3,113 |
| Using A Cellphone While Driving | +$586 | $3,144 |
| Running A Red Light | +$596 | $3,154 |
| Speeding | +$627 | $3,185 |
| Driving A Vehicle Without The Required Permission | +$796 | $3,354 |
| Driving With An Expired/Suspended License | +$1,724 | $4,282 |
Detroit, MI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $2,456 |
| Active Disabling Device | $2,456 |
| Tracking Device | $2,405 |
| Passive Disabling Device | $2,379 |
Latest Auto Insurance Reviews in Detroit, MI | Back to Top
State FarmI have never had an issue. When I was in an accident they were quick about getting it taken care of.
Auto Owners InsuranceAny time I have had an issue they have provided great customer service and taken care of the issue right away. They are pretty tough on billing but other than that they seem to be a great company.
Auto Owners InsuranceI would recommend Auto Owners based on my minimal experience I have had with them. The cost is cheaper than my prior insurance for more coverage.
TravelersI have Travelers as my auto insurance and I would recommend them to anyone. From their cheap rates and low deductibles to their great cusomer service.
Safeco InsuranceWe recently had a not at fault accident with Safeco and they covered everything minus the deductible. They were quick to call me and talk to me about the damage and got me in to get the repair work done. They made payment rather quickly.
Safeco InsuranceWe recently had a not at fault accident with Safeco and they covered everything minus the deductible. They were quick to call me and talk to me about the damage and got me in to get the repair work done. They made payment rather quickly.
Auto Owners InsuranceI like the rates, quality, assistance, customer support, and the pricing has stayed very close to the original rate
State FarmTheir premiums tend to be on the high end. Many other insurance companies can undercut them.
Auto-Owners InsuranceI've almost never needed customer support, except to find out what if any information I needed to submit when I changed residence. If anything I get more "support" than I want in the form of phone calls to "update my insurance needs" (aka get me to buy more stuff).
National GeneralBefore they all want you to bundle in order to get a lower rate on car insurance.
ProgressiveI really don't have any dislikes. I've had nothing but great experiences and great customer service
State FarmThe customer service is great with State Farm. The agents are always available to answer any questions I may have. They are always on top of it when I call to add or take off any vehicle. The call and check up on my family to see if there is anything they can help us with.
NationwideWhile I have not made a claim, I am happy with the premium and service I receive
GeicoGeico has been absolutely great to be with - they have good prices and keeps premiums as well as possible