One of the more important things that determine car insurance rates is where you normally keep your vehicle in Detroit. Cities with more crime and/or more people are more likely to have higher rates, whereas areas with less people or fewer weather incidents get the luxury of paying less.
The illustration below ranks the highest-priced areas in Michigan for postal workers to buy an auto insurance policy in. Detroit is ranked #1 with the yearly price of $5,009 for the average insurance policy, which is about $417 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Detroit | $5,009 |
| 2 | Southfield | $4,020 |
| 3 | Dearborn | $4,002 |
| 4 | Pontiac | $3,531 |
| 5 | Flint | $3,439 |
| 6 | Dearborn Heights | $3,305 |
| 7 | Warren | $3,289 |
| 8 | Taylor | $3,084 |
| 9 | Sterling Heights | $2,954 |
| 10 | Westland | $2,937 |
| 11 | St. Clair Shores | $2,709 |
| 12 | Farmington Hills | $2,704 |
| 13 | Livonia | $2,688 |
| 14 | Royal Oak | $2,562 |
| 15 | Troy | $2,536 |
| 16 | Saginaw | $2,481 |
| 17 | Rochester Hills | $2,467 |
| 18 | Novi | $2,464 |
| 19 | Lansing | $2,463 |
| 20 | Battle Creek | $2,354 |
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Table data uses comparative as the specific area where the vehicle is garaged can alter auto insurance rates considerably.
The make and model of vehicle you are buying coverage for is one of the main factors when comparing the most affordable insurance for postal workers. Vehicles with high performance engines, poor passenger safety features, or a track record of large liability claims will cost quite a bit more to insure than more modest models. The data below presents car insurance rates for some of the cheaper automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 4WD | $4,661 |
| Honda CR-V LX 2WD | $4,929 |
| Ford F-150 FX4 4WD | $5,188 |
| Hyundai Elantra SE 4-Dr Sedan | $5,353 |
| Toyota Corolla S | $5,358 |
| Ford Edge Limited AWD | $5,353 |
| GMC Sierra SLE Crew Cab 4WD | $5,452 |
| Toyota Prius | $5,462 |
| Chevrolet Silverado LS Crew Cab 4WD | $5,452 |
| Hyundai Sonata GLS 4-Dr Sedan | $5,456 |
| Toyota Camry Hybrid | $5,819 |
| Toyota RAV4 2WD | $5,828 |
| Ford Fusion S 4-Dr Sedan | $5,838 |
| Dodge Grand Caravan SE | $5,908 |
| Honda Civic LX-S 4-Dr Sedan | $6,026 |
| GMC Sierra 2500HD SLT Extended Cab 2WD | $6,082 |
| Honda Odyssey EX-L | $6,134 |
| Toyota Camry XLE | $6,144 |
| Dodge Ram 2500 Crew Cab SLT 2WD | $6,181 |
| Chevrolet Impala LT | $6,238 |
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in your specific Detroit, MI location which can raise or lower premium rates noticeably.
Looking at the rates, you can figure that makes and models like the Ford Escape, Honda CR-V, Ford F-150, Hyundai Elantra, and Toyota Corolla are most likely going to be the most budget-friendly vehicles to insure for postal employees.
How accidents and violations affect rates in Detroit
The obvious way to find the best car insurance premiums for postal employees is to drive attentively and avoid accidents and traffic citations. The diagram below shows how speeding tickets and accident claims can drive up annual premium costs for different age categories. Data assumes a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
The data in the chart shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $3,071. Receive two speeding tickets and the average cost jumps to $4,384, an increase of $1,313 each year. Then include two accidents along with the two speeding tickets and the annual cost of car insurance for postal workers goes up to an average of $9,007. That’s an increase of $5,936, or $495 per month, just for not being a responsible driver!
Buying coverage from a highly-rated insurance company can be difficult considering how many companies sell insurance in Michigan. The information shown below could help you pick which car insurance companies you want to consider when comparing insurance rates for postal workers. These ratings only include large insurance companies, so companies that focus mainly on Michigan business are not factored into these rankings.
Top 10 Major Auto Insurers in Detroit Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- State Farm
- GEICO
- Nationwide
- Allstate
- The Hartford
- 21st Century
- Farmers Insurance
The example below shows how choosing a deductible can impact yearly insurance costs when trying to find cheap insurance for postal workers. The rates are based on a single female driver, comp and collision included, and no additional discounts are factored in.
As shown above, a 40-year-old driver could reduce rates by $548 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $828 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could reduce their rates $1,388 every year just by choosing higher deductibles when buying full coverage.
When using a larger deductible, it will now be necessary to have plenty of discretionary funds to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.