The words “affordable” and “auto insurance” really shouldn’t be used in the same sentence, in particular when trying to find the lowest insurance prices for safe drivers. In an attempt to save some money, let’s teach you some of the things that help determine auto insurance prices, and find out if we can help you reduce the price of the next policy you buy.
Comparing rates for affordable auto insurance is not the easiest thing to do, and finding out which company quotes the cheapest insurance rates for safe drivers will require even more diligence. Every insurance company uses their own calculation for setting prices, so let’s begin by taking a look at the most affordable insurance companies in Detroit, MI.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $949 |
| 2 | GEICO | $1,033 |
| 3 | Safeco | $1,047 |
| 4 | MetLife | $1,324 |
| 5 | MEEMIC | $1,408 |
| 6 | Chubb | $1,414 |
| 7 | Pioneer State Mutual | $1,430 |
| 8 | Auto-Owners | $1,636 |
| 9 | Hastings Mutual | $1,643 |
| 10 | Frankenmuth | $1,662 |
| 11 | SECURA | $1,796 |
| 12 | Progressive | $1,866 |
| 13 | Wolverine Mutual | $2,147 |
| 14 | Allied | $2,240 |
| 15 | Hanover | $2,305 |
| 16 | Grange Mutual | $2,322 |
| 17 | Allmerica | $2,362 |
| 18 | Auto Club Group | $2,391 |
| 19 | Nationwide | $2,593 |
| 20 | Farm Bureau | $2,599 |
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USAA may have some of the lowest car insurance rates in Detroit at around $949 each year. GEICO, Safeco, MetLife, and MEEMIC also make the cut as some of the most economical Detroit, MI auto insurance companies.
As the example above demonstrates, if you are a policyholder with MEEMIC and switched to GEICO, you might see an annual savings of roughly $375. Michigan drivers with Chubb could save as much as $381 a year, and Pioneer State Mutual policyholders might reduce rates by $397 a year.
Understand that those policy rates are averages across all types of drivers and the different vehicles they drive and and are not calculated with an exact vehicle garaging location for safe drivers. So the insurer that can offer the best rates for your situation may not even be in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
One of the many considerations that are looked at to help calculate auto insurance rates is where you live in Detroit. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims receive better rates.
The following table lists the most costly cities in Michigan for safe drivers in which to buy car insurance. Detroit shows up at #1 having an annual price of $4,960 for the average insurance policy, which is around $413 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Detroit | $4,960 |
| 2 | Dearborn | $4,123 |
| 3 | Southfield | $3,902 |
| 4 | Pontiac | $3,639 |
| 5 | Flint | $3,473 |
| 6 | Warren | $3,289 |
| 7 | Dearborn Heights | $3,207 |
| 8 | Taylor | $3,116 |
| 9 | Westland | $2,937 |
| 10 | Sterling Heights | $2,924 |
| 11 | St. Clair Shores | $2,709 |
| 12 | Farmington Hills | $2,704 |
| 13 | Troy | $2,640 |
| 14 | Livonia | $2,608 |
| 15 | Rochester Hills | $2,567 |
| 16 | Saginaw | $2,507 |
| 17 | Royal Oak | $2,487 |
| 18 | Battle Creek | $2,450 |
| 19 | Novi | $2,439 |
| 20 | Lansing | $2,439 |
| 21 | Kalamazoo | $2,259 |
| 22 | Grand Rapids | $2,252 |
| 23 | Kentwood | $2,250 |
| 24 | Wyoming | $2,216 |
| 25 | Ann Arbor | $2,065 |
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Price information shown is comparative as the specific area where the vehicle is garaged can decrease or increase price quotes noticeably.
Choosing the highest-rated car insurance company is hard considering how many choices drivers have in Michigan. The ranking data shown next can help you pick which insurers to look at when looking for cheaper rates.
The ratings below are for insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Michigan or surrounding areas are not included in this list. If you wish to compare rates from these top insurers and more, follow this link.
Top 10 Large Car Insurance Companies Overall in Detroit
- The Hartford
- Progressive
- State Farm
- Farmers Insurance
- Safeco Insurance
- USAA
- GEICO
- 21st Century
- Liberty Mutual
- AAA Insurance
Illustration showing the impact of accidents and violations
A great way to find the best insurance rates in Detroit for good drivers is to drive safely and avoid getting tickets or having accidents. The chart below shows how traffic citations and at-fault fender-benders influence yearly insurance costs for each age group. The premiums are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,200. Get one speeding ticket and the average cost hikes up to $2,574, an increase of $374 each year. Now include two accidents along with the one speeding ticket and the annual cost of insurance for safe drivers goes up to an average of $6,076. That’s an increase of $3,876, or $323 per month, just for being a careless driver!
How to find the cheapest car insurance for safe drivers
Here are a few penny-pinching suggestions that can help you locate cheap coverage.
- Prevent rate increases by staying accident-free
- Don’t waste money on full coverage for older vehicles
- Save money by bundling your home and auto policies
- Improve your credit rating
- Safer vehicles generally have cheaper insurance rates
- Comparison shop at least once a year
The last idea is remarkably valuable, as we hit on in this piece. Prices charged by car insurance companies in Detroit can be changed at any time, so don’t be afraid to buy a different policy if you can save money.
Staying with the same company for years is fine, but we do not recommend it if that stubbornness costs you lots of hard earned cash every month. In just a few minutes you could shop around and find cheaper car insurance for safe drivers.
The agents shown below can most likely help you make a decision which insurance coverage will be best for you, as some drivers aren’t sure which coverage they need and prefer to get some guidance when shopping for the best coverage for safe drivers. It can be time-consuming to find the best policy yourself, and a professional agent can bring satisfaction knowing you have adequate asset protection.
To find an agent closest to you, click the link at the bottom.
Allstate Insurance: Shauna Johnson
18711 Grand River Ave – Detroit, MI 48223 – (313) 272-2020
Titan Insurance
3144 Woods Cir Dr – Detroit, MI 48207 – (313) 974-7085
State Farm – Eric Huffman
3031 W Grand Blvd #568 – Detroit, MI 48202 – (313) 875-3172
Kim-One Insurance Agency
11000 W McNichols Rd – Detroit, MI 48221 – (313) 397-4198