Detroit Auto Insurance Rates, Quotes, Agents & Reviews in MI

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.

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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 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 &amp 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 Farm
I have never had an issue. When I was in an accident they were quick about getting it taken care of.
Auto Owners Insurance
Any 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 Insurance
I 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.
Travelers
I 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 Insurance
We 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 Insurance
We 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 Insurance
I like the rates, quality, assistance, customer support, and the pricing has stayed very close to the original rate
State Farm
Their premiums tend to be on the high end. Many other insurance companies can undercut them.
Auto-Owners Insurance
I'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 General
Before they all want you to bundle in order to get a lower rate on car insurance.
Progressive
I really don't have any dislikes. I've had nothing but great experiences and great customer service
State Farm
The 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.
Nationwide
While I have not made a claim, I am happy with the premium and service I receive
Geico
Geico has been absolutely great to be with - they have good prices and keeps premiums as well as possible