How Much is Detroit Auto Insurance for Immigrants?

View Competitive Rates Now

Comparing rates for reasonably-priced auto insurance is easier said than done, and determining which companies offer the lowest-priced car insurance rates for immigrants requires a bit more work.

Every car insurance company has a proprietary formula for setting prices, so let's begin by taking a look at the car insurance companies with the overall best prices in Michigan. We do need to point out that Michigan car insurance rates are impacted by many factors that can increase the price you pay. Price variation is why drivers need to perform an extensive rate comparison when trying to find the most affordable insurance rates for immigrants. Car insurance prices are calculated by many different factors and change dramatically, so the best company the last time you checked may now be one of the higher cost companies.

Cheapest Insurance Rates for Migrants

Compare Rates and Save

Cheapest insurance companies in Michigan
Rank Company Cost Per Year
1 USAA $958
2 GEICO $993
3 Safeco $1,037
4 MetLife $1,310
5 Chubb $1,372
6 Pioneer State Mutual $1,430
7 MEEMIC $1,450
8 Auto-Owners $1,636
9 Hastings Mutual $1,643
10 Frankenmuth $1,645
11 SECURA $1,796
12 Progressive $1,923
13 Wolverine Mutual $2,147
14 Hanover $2,305
15 Allied $2,309
16 Grange Mutual $2,322
17 Allmerica $2,386
18 Auto Club Group $2,416
19 Nationwide $2,516
20 Farm Bureau $2,678
Quote Your Rates Go

USAA generally has some of the best car insurance rates in Detroit at around $958 a year. This is $1,435 less than the average premium paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb would also be considered some of the cheapest Detroit, MI car insurance companies.

In the above example, if you currently have coverage with MetLife and switched to USAA, you could see a yearly savings of approximately $352. Drivers with Chubb might save as much as $414 a year, and Pioneer State Mutual policyholders might lower prices by $472 a year.

Remember that these premiums are averages for all types of insureds and vehicles and do not take into consideration a vehicle location for immigrants. So the insurer that has the cheapest rates for you may not even be in the top 30 companies in the list above. That underscores the importance of why you need to get quotes using your own individual information.

One of the many things that are used to help calculate the amount you pay each year for auto insurance is where you normally keep your vehicle in Detroit. Cities with larger populations or higher claim trends are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.

The table below ranks the most expensive places in Michigan for immigrants to purchase car insurance in. Detroit comes in at #1 with an annual cost of $4,862 for the average insured, which is approximately $405 each month.

How much does car insurance cost in Detroit, MI?
Rank City Annual Premium
1 Detroit $4,862
2 Dearborn $4,082
3 Southfield $3,980
4 Pontiac $3,531
5 Warren $3,423
6 Flint $3,371
7 Dearborn Heights $3,239
8 Taylor $3,116
9 Sterling Heights $3,014
10 Westland $2,908
11 St. Clair Shores $2,819
12 Farmington Hills $2,786
13 Livonia $2,634
14 Troy $2,536
15 Rochester Hills $2,492
16 Royal Oak $2,487
17 Saginaw $2,481
18 Novi $2,439
19 Lansing $2,391
20 Battle Creek $2,354
Compare Rates Now Go

Price information shown is estimated as the specific zip code location can impact prices substantially.

The make and model of vehicle to be insured is probably the most important factor when trying to find the best insurance for immigrants. Vehicles with reasonable performance levels, advanced safety features, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models. The list below presents coverage costs for some of the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Detroit, MI
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLS 4WD $4,780
Ford Edge SE 2WD $4,794
Toyota Prius $4,836
Honda CR-V EX-L 2WD $4,893
Toyota RAV4 2WD $5,170
Hyundai Elantra SE Touring Station Wagon $5,203
Jeep Wrangler Unlimited Sport 4WD 4-Dr $5,326
Honda Odyssey LX $5,425
Toyota Corolla LE $5,448
GMC Sierra 2500HD SLE Regular Cab 4WD $5,542
Jeep Grand Cherokee Limited 2WD $5,547
Chevrolet Impala LS $5,547
Dodge Grand Caravan SE $5,552
Volkswagen Jetta LE 4-Dr Sedan $5,660
Chevrolet Equinox LT 2WD $5,667
Compare Rates Now Go

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can increase or decrease premium rates significantly.

By looking at the data, you can infer that vehicles like the Ford Escape, Ford Edge, and Toyota Prius should be a few of the more affordable vehicles to insure for foreigners.

How accidents and violations affect rates

The best way to maintain the best car insurance prices for foreigners is to be a careful driver and have a clean driving record. The information below highlights how traffic violations and accident claims can raise insurance rates for different insured age categories. The rate quotes are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

In the previous chart, the average cost of auto insurance per year with no accidents or violations is $3,728. Receive one speeding ticket and the average cost swells to $4,226, an increase of $498 each year. Now include two accidents along with the one speeding ticket and the yearly cost of car insurance for immigrants increases to an average of $8,414. That's an increase of $4,686, or $391 per month, just for not keeping your driving record clean!

Get discounts on Detroit car insurance

Car insurance for foreigners in Detroit, MIAuto insurance companies that provide policies for immigrants may have discounts that can reduce rates by as much as 35% if you are eligible for them. Larger car insurance companies and the discounts they provide are detailed below.

The example below visualizes the comparison of insurance prices with and without discounts applied to the premium. The premiums assume a female driver, no driving violations, no at-fault accidents, Michigan state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, claim-free, anti-theft, multiple vehicle, passive restraint, and multiple policy discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance for immigrants is 28% or $859.

Finding a good quality auto insurance provider can be a challenge considering how many choices drivers have in Detroit. The ranking information below could help you decide which auto insurers to look at comparing price quotes from. The rankings below are only comprised of companies that insure vehicles nationwide, so smaller companies that only insure vehicles in Michigan are not taken into consideration for this list.

Top 10 Large Auto Insurers in Detroit Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. State Farm
  5. GEICO
  6. Nationwide
  7. Allstate
  8. The Hartford
  9. 21st Century
  10. Farmers Insurance

Top 10 Large Auto Insurers in Detroit Ranked by Customer Satisfaction

  1. The Hartford - 93%
  2. Progressive - 90%
  3. 21st Century - 89%
  4. USAA - 87%
  5. State Farm - 87%
  6. Safeco Insurance - 86%
  7. AAA Insurance - 86%
  8. Farmers Insurance - 85%
  9. GEICO - 85%
  10. American Family - 85%

How to find more affordable insurance for immigrants

The list below summarizes some of the recommended money-saving suggestions that can help drivers buy cheaper coverage.

The last suggestion is extremely significant, as was stressed in the prior information. Car insurance prices in Detroit can be changed at any time, so drivers shouldn't hesitate to switch carriers if you find a better deal.

Many drivers prefer to stick with one company, but is isn't recommended if that dedication is costing money that could be going to better use. Now is a great time to compare rates to find cheaper insurance for immigrants.