The words “bargain” and “auto insurance” really don’t belong together, especially when searching for the best coverage prices for drivers with accidents. To help control this cost, let’s get started by showing you some situations that significantly impact insurance rates, and see if you can reduce the cost of your next policy.
Trying to find cost effective auto insurance is difficult, and figuring out which company has the lowest-priced insurance rates for drivers with accidents calls for even more perseverance. Each auto insurance company uses a slightly different approach for filing rates in each state, so let’s rank the insurance companies that tend to be cheaper in Detroit.
It’s a good idea to know that Detroit insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay. This price fluctuation is why it is important to compare as many rates as possible to get cheap auto insurance rates for drivers with accidents. Prices can be altered by many factors and change dramatically, so the lowest-price company three years ago may now be one of the more expensive options.
Find the Cheapest Auto Insurance for Accident Prone Drivers
USAA quotes some of the cheapest car insurance rates in Detroit at around $949 per year. GEICO, Safeco, MetLife, and Chubb also rank well as some of the cheaper Detroit, MI auto insurance companies.
As depicted above, if you are currently insured with MetLife and switched to GEICO, you could realize savings of upwards of $317. Michigan drivers with Chubb may save as much as $435 a year, and MEEMIC insureds might reduce prices by as much as $457 a year.
Remember that these premiums are averages across all insureds and vehicles and do not factor in an exact vehicle garaging location for drivers with accidents. So the car insurance company that is best for you may not even be in the top 30 companies in the list above. That is why you need to get quotes using your own driver and vehicle profiles.
One of the many factors that help determine insurance cost is where you keep your vehicle in Detroit. More populated areas tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.
The information below shows the highest-priced places in Michigan for drivers with accidents to purchase a policy in. Detroit comes in at #1 with an annual rate of $4,813 for coverage, which is approximately $401 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Detroit | $4,813 |
| 2 | Southfield | $4,020 |
| 3 | Dearborn | $4,002 |
| 4 | Pontiac | $3,675 |
| 5 | Dearborn Heights | $3,337 |
| 6 | Flint | $3,337 |
| 7 | Warren | $3,322 |
| 8 | Taylor | $3,178 |
| 9 | Sterling Heights | $3,044 |
| 10 | Westland | $2,850 |
| 11 | St. Clair Shores | $2,792 |
| 12 | Farmington Hills | $2,758 |
| 13 | Livonia | $2,714 |
| 14 | Troy | $2,614 |
| 15 | Novi | $2,539 |
| 16 | Saginaw | $2,507 |
| 17 | Rochester Hills | $2,492 |
| 18 | Royal Oak | $2,462 |
| 19 | Lansing | $2,439 |
| 20 | Battle Creek | $2,354 |
| 21 | Grand Rapids | $2,252 |
| 22 | Wyoming | $2,216 |
| 23 | Kalamazoo | $2,192 |
| 24 | Kentwood | $2,183 |
| 25 | Ann Arbor | $2,065 |
| Get a Custom Quote Go | ||
Price information shown is comparative as specific Detroit garaging address can modify auto insurance rates considerably.
The car, truck, or SUV that needs insurance is a large factor when shopping for the best cheap insurance for drivers with accidents. Vehicles with average performance, modern passenger safety features, or a low likelihood of liability claims will cost substantially less to insure than high performance models. The list below estimates auto insurance costs for some of the most economical automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $10,833 |
| Honda CR-V LX 2WD | $11,328 |
| Ford Escape Limited 2WD | $11,476 |
| Honda Accord EX 4-Dr Sedan | $11,500 |
| Toyota Prius | $11,774 |
| Ford Edge SE 2WD | $12,039 |
| Volkswagen Jetta SE 2.5 Station Wagon | $12,447 |
| Toyota Tacoma 2WD | $12,711 |
| Ford Explorer XLT AWD | $12,716 |
| Jeep Wrangler Sahara 4WD 2-Dr | $12,722 |
| Dodge Grand Caravan Crew | $12,980 |
| Ford F-150 Lariat Crew Cab 2WD | $12,989 |
| Honda Civic EX 4-Dr Sedan | $13,384 |
| Chevrolet Malibu Hybrid | $13,427 |
| Nissan Altima 2.5 S 4-Dr Sedan | $13,518 |
| Chevrolet Equinox LT AWD | $13,624 |
| Toyota RAV4 Limited 2WD | $13,634 |
| Jeep Grand Cherokee SRT-8 4WD | $13,653 |
| Honda Odyssey EX-L | $14,138 |
| Toyota Corolla S | $14,148 |
| Find Cheaper Rates Go | |
Cost estimates assume single male driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in garaging location in Detroit, MI which can revise insurance rates significantly.
Based upon the rates shown, we can assume that models like the Hyundai Elantra, Honda CR-V, and Ford Escape will be some of the most economical vehicles to insure for drivers with at-fault accidents. The price for an auto insurance policy will tend to be more expensive anyway because there is more inherent risk for drivers with accidents, but overall those particular vehicles will probably have the lowest insurance rates that you’ll find.
The diagram below demonstrates how choosing different deductibles can influence yearly insurance costs when getting quotes for cheap insurance for drivers with accidents. The data is based on a single male driver, comp and collision included, and no discounts are applied.
As shown above, a 30-year-old driver could lower their policy premium by $638 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $962 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, can cut as much as $1,862 every year by choosing larger deductibles on their policy.
If you do raise deductibles, it will be necessary to have plenty of money set aside to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Selecting the best car insurance company can be a challenge considering how many companies provide coverage in Michigan. The rank data in the lists below can help you decide which auto insurers to look at when trying to find the cheapest insurance for drivers with accidents.
The rankings below only include companies that insure vehicles across America, so companies that focus mainly on Michigan business are not included in these rankings. To get rate quotes from these and other competitive companies, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The importance of shopping around
Detroit, MI insurance rates are impacted by many things that may substantially change the cost of having a policy. Simply getting older, buying a home, or getting a ticket for careless driving can cause premium changes that may make certain companies more affordable than the competition.
Not only that, but insurers change rates as needed in order to be able to pay unexpected claims. A period of increased losses may result in a rate increase, while lower claim expenses can produce cheaper Detroit car insurance rates.
As an example, the data below shows the company with the cheapest car insurance in Detroit, MI for a 35-year-old female driver with no accidents or violations, and great credit. Based on her personal profile, USAA might quote the most affordable car insurance rates in Detroit at $2,279 annually. This is $114 less than the average premium paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb are also on the list of the best Detroit, MI auto insurance companies.
Now we will pretend the driver from the first example a couple of claims, bad credit, and a few traffic violations. Since each auto insurance company has their own unique process for setting rates, analyzing rates may now result in a new list of the cheapest car insurance companies in Detroit as shown below.
Pioneer State Mutual now has the best car insurance rate in Detroit with Safeco, GEICO, USAA, and Hastings Mutual also being competitive. This example shows why it is important to compare many different companies when trying to find the most affordable car insurance quotes for drivers with accidents.
Car insurance prices are impacted by many factors and can change without notice, so the cheapest option a year ago may now be one of the higher cost companies.