What is the Best Car Insurance in Detroit?

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Finding the best car insurance in Detroit can be challenging considering the sheer number of companies available. The best way to compare companies is to analyze consumer ratings for overall value, customer service, claims service, customer satisfaction, and each company's A.M. Best rating. The table below ranks insurance companies in Detroit based on those factors.

Detroit, Michigan Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Mercury Insurance 87 96 100 87% A+ 93.4
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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How to find the best Detroit car insurance rates

If saving the most money is your goal, then the best way to find affordable car insurance rates in Detroit is to compare quotes once a year from different companies who sell insurance in Michigan. This can be done by following these guidelines.

An important bit of advice to remember is that you use identical deductibles and limits on each quote and and to get price estimates from every company you can. Doing this provides an accurate price comparison and the best rate selection.

Best car insurance rates in Detroit

The cost of Detroit car insurance depends on a lot of factors, but the average price for coverage in Detroit is right around $2,200 per year. Other states average roughly $1,230, so Detroit drivers pay about $1,000 more each year than drivers in other states.

Insurance rates depend on many different variables, and one of the largest considerations is the type of vehicle you own. The rate data below details insurance cost for the top-selling vehicles in Detroit.

Car Insurance Rates for Popular Vehicles in Detroit
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Impala LT $2,444 $1,222 $204
Chevrolet Malibu LS $2,444 $1,222 $204
Chevrolet Silverado Crew Cab Hybrid 2WD $2,834 $1,417 $236
Dodge Grand Caravan Crew $2,504 $1,252 $209
Dodge Ram Crew Cab ST 2WD $2,642 $1,321 $220
Ford Edge Sport AWD $2,610 $1,305 $218
Ford Escape XLT 4WD $2,122 $1,061 $177
Ford F-150 Lariat King Ranch 2WD $2,670 $1,335 $223
Ford Focus SE 2-Dr Coupe $2,748 $1,374 $229
Ford Fusion SE 4-Dr Sedan $2,670 $1,335 $223
Honda Accord LX 4-Dr Sedan $2,064 $1,032 $172
Honda CR-V EX 2WD $2,064 $1,032 $172
Honda Civic EX 2-Dr Coupe $3,040 $1,520 $253
Hyundai Sonata SE 4-Dr Sedan $2,748 $1,374 $229
Kia Optima EX $2,808 $1,404 $234
Nissan Altima 2.5 S 4-Dr Sedan $2,610 $1,305 $218
Toyota Camry XLE $2,610 $1,305 $218
Toyota Corolla XLE $2,610 $1,305 $218
Volkswagen Jetta SEL 4-Dr Sedan $2,670 $1,335 $223
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Estimates do not factor in specific zip code location which can impact price quotes considerably.