Wouldn’t it be great if we could magically tell you the single best company in Detroit that has the most affordable coverage for low mileage drivers? It’s not that easy, however, as there are a ton of unknown aspects such as what coverage limits you need, whether you are male or female, your credit history, and the number of miles you drive in a year, that all help calculate your car insurance rates. The information below covers the best ways to shop for cheaper coverage and also should give you a good start in finding the cheapest car insurance.
Finding cost effective insurance is hard enough, and finding out which companies offer the best car insurance rates for low mileage drivers involves additional perseverance. Each insurance company has a proprietary formula for filing rates in each state, so to begin we’ll rank the most budget-friendly car insurance companies in Detroit, MI.
Best Auto Insurance Prices in Michigan
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $978 |
| 2 | GEICO | $1,003 |
| 3 | Safeco | $1,069 |
| 4 | MetLife | $1,324 |
| 5 | MEEMIC | $1,394 |
| 6 | Chubb | $1,414 |
| 7 | Pioneer State Mutual | $1,488 |
| 8 | Hastings Mutual | $1,579 |
| 9 | Auto-Owners | $1,686 |
| 10 | Frankenmuth | $1,713 |
| 11 | SECURA | $1,850 |
| 12 | Progressive | $1,866 |
| 13 | Wolverine Mutual | $2,212 |
| 14 | Allied | $2,309 |
| 15 | Grange Mutual | $2,322 |
| 16 | Hanover | $2,328 |
| 17 | Allmerica | $2,386 |
| 18 | Auto Club Group | $2,416 |
| 19 | Nationwide | $2,618 |
| 20 | Farm Bureau | $2,651 |
| Find Your Rate Go | ||
USAA may offer some of the best car insurance rates in Detroit at around $978 each year. GEICO, Safeco, MetLife, and MEEMIC would also be considered some of the lowest-priced Detroit, MI auto insurance companies.
As depicted above, if you currently buy coverage from Safeco and switched to USAA, you might realize annual savings of in the neighborhood of $91. Policyholders with MetLife could save as much as $346 a year, and MEEMIC customers might reduce prices by as much as $416 a year.
It’s important to note that these premium estimates are averaged for all insureds and vehicles and do not factor in an exact zip code location for low mileage drivers. So the auto insurance company that fits you best may not even be in the list above. That’s why you need to get car insurance quotes using your own specific driver information and vehicle.
The make and model of vehicle to be insured is probably the most important factor when trying to find cheaper insurance for low mileage drivers. Vehicles with limited top-end speed, good crash test ratings, or a track record of few liability claims will cost less to insure than adrenaline junky models.
The data below shows auto insurance prices for the cheaper automobiles to insure in Michigan.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $4,275 |
| Honda CR-V LX 4WD | $4,283 |
| Ford Escape XLT 2WD | $4,690 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $4,694 |
| Dodge Grand Caravan CV | $4,792 |
| Volkswagen Jetta S 4-Dr Sedan | $5,067 |
| Toyota RAV4 2WD | $5,076 |
| Chevrolet Malibu Hybrid | $5,067 |
| Toyota Prius | $5,212 |
| Ford Explorer Eddie Bauer 2WD | $5,240 |
| Honda Civic VP 4-Dr Sedan | $5,245 |
| Chevrolet Impala LTZ | $5,338 |
| Hyundai Elantra SE 4-Dr Sedan | $5,345 |
| Ford Edge Limited 2WD | $5,435 |
| Chevrolet Silverado LS Extended Cab 4WD | $5,543 |
| Ford Focus SE 4-Dr Sedan | $5,580 |
| Honda Odyssey EX | $5,588 |
| Compare Rates Now Go | |
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate information does not factor in Detroit, MI location which can affect coverage prices significantly.
Looking at the numbers, you can infer that makes and models like the Honda Accord, Honda CR-V, and Ford Escape are likely to be some of the cheaper vehicles to insure for infrequent drivers.
For infrequent drivers, one of the more important criteria that are looked at to determine the amount you pay each year for auto insurance is where you choose to live in Detroit. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents benefit from lower rates.
The next table lists the most costly cities in Michigan for low mileage drivers to purchase a policy in. Detroit ranks #1 with a yearly cost of $5,009 for coverage, which is around $417 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Detroit | $5,009 |
| 2 | Dearborn | $4,082 |
| 3 | Southfield | $4,020 |
| 4 | Pontiac | $3,639 |
| 5 | Warren | $3,423 |
| 6 | Flint | $3,337 |
| 7 | Dearborn Heights | $3,305 |
| 8 | Taylor | $3,116 |
| 9 | Sterling Heights | $2,954 |
| 10 | Westland | $2,908 |
| 11 | St. Clair Shores | $2,709 |
| 12 | Farmington Hills | $2,704 |
| 13 | Livonia | $2,688 |
| 14 | Troy | $2,614 |
| 15 | Saginaw | $2,583 |
| 16 | Novi | $2,514 |
| 17 | Rochester Hills | $2,467 |
| 18 | Royal Oak | $2,462 |
| 19 | Lansing | $2,391 |
| 20 | Battle Creek | $2,378 |
| Compare Prices Now Go | ||
Prices are approximated as the specific geographic location can raise or lower auto insurance rates substantially.
How to get discounts on Detroit auto insurance
Auto insurance companies that sell policies for low mileage drivers may also give you special discounts that can reduce rates by 35% or more if you meet the requirements. Larger car insurance companies and some of their more popular discounts are:
- Farmers Insurance offers discounts including bundle discounts, switch companies, multi-car, mature driver, alternative fuel, and good student.
- Esurance may have discounts that include renters, claim free, online quote, homeowner, anti-lock brakes, anti-theft, and multi-car.
- State Farm offers premium reductions for good student, defensive driving training, Steer Clear safe driver discount, driver’s education, and safe vehicle.
- GEICO includes discounts for good student, multi-policy, five-year accident-free, air bags, seat belt use, and daytime running lights.
- Allstate may include discounts for resident student, safe driver, eSmart discount, passive restraint, and FullPay discount.
The illustration below visualizes the comparison of yearly insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, no accidents or driving violations, Michigan state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, claim-free, anti-theft, marriage, multiple vehicle, and homeowner discounts applied. When taking advantage of discounts, theamount saved on car insurance for low mileage drivers is 28% or $1,168.
Drive responsibly or pay higher rates
A great way to find the most affordable car insurance premiums for infrequent drivers is to drive cautiously and have a clean driving record. The information below highlights how traffic violations and at-fault collisions can increase insurance costs for different age groups. The price estimates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
In the example above, the average cost of car insurance per year with no violations or accidents is $4,043. Get two speeding tickets and the average cost hikes up to $5,784, an increase of $1,741 each year. Now add two accidents along with the two speeding tickets and the yearly cost of car insurance for low mileage drivers increases to an average of $12,017. That’s an increase of $7,974, or $665 per month, just for not driving responsibly!
If you prefer to get some professional input when shopping around for cheaper insurance for infrequent drivers, the insurance agencies listed below can answer your questions and help you decide which policy fits your needs best.
To locate an agency nearest to you, click the button after the list.
Michigan SR22 Insurance – Select Insurance Group
Atwater St – Detroit, MI 48226 – (877) 949-7873
Michelle Sims – State Farm Insurance Agent
24970 W Outer Dr – Lincoln Park, MI 48146 – (313) 928-1348
Michigan Basic Property Insurance
3245 E Jefferson Ave – Detroit, MI 48207 – (313) 877-7400
More Detroit, MI insurance agents
How to find budget-friendly car insurance for low mileage drivers
It’s not impossible to find cheaper rates, and here are many money-saving solutions that can help Detroit drivers locate low-cost car insurance.
- Buy vehicles with good safety ratings
- Increase the comprehensive and collision deductibles on your policy
- Avoid accidents and claims
- Increase your credit score
- You will pay more if you get tickets or have at-fault accidents
- Shop around for lower rates once a year
The last item on the list is highly important, as we stressed in this article. Insurance rates can change in a short period of time, so drivers shouldn’t hesitate to switch carriers if a more affordable price is available. Having a favorite company is great, but it isn’t a good idea if that dedication is costing a wad of cash every year. Now is a great time to compare prices to find cheaper auto insurance for low mileage drivers in Detroit.