How Much Does Car Insurance Cost in Detroit?

Whether or not you have cheap car insurance coverage is dependent on many factors, but the average price paid in Detroit is right around $2,200 every 12 months. Other states pay around $1,250, so Detroit residents pay roughly $980 more each year than drivers who live in other states.

Car insurance rates are calculated based on a lot of factors, and one of the larger determinants is the car, truck, or SUV you are insuring. The rate information below shows policy rates for the top-selling cars, trucks, and SUVs in Detroit.

Car Insurance Rates for Popular Cars in Detroit
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $2,438 $1,219 $203
Ford Fusion Sport 4-Dr Sedan $2,598 $1,299 $217
Honda Accord LX-S 2-Dr Coupe $2,654 $1,327 $221
Honda Civic Hybrid 4-Dr Sedan $2,598 $1,299 $217
Kia Optima EX $2,722 $1,361 $227
Nissan Altima 3.5 SR 2-Dr Coupe $2,882 $1,441 $240
Toyota Camry LE $2,370 $1,185 $198
Toyota Corolla LE $2,530 $1,265 $211
Volkswagen Jetta LE 4-Dr Sedan $2,370 $1,185 $198
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Information does not factor in specific location which can affect insurance rates noticeably.

Insurance Rates for Popular Pickup Trucks in Detroit
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado LTZ Extended Cab 2WD $2,722 $1,361 $227
Dodge Ram 3500 Crew Cab SLT 4WD $3,528 $1,764 $294
Dodge Ram Quad Cab ST 4WD $2,562 $1,281 $214
Ford F-150 Lariat King Ranch 4WD $2,666 $1,333 $222
Ford F-350 XLT Super Cab Turbo Diesel 4WD $3,298 $1,649 $275
GMC Canyon SLE Ext Cab 4WD $2,208 $1,104 $184
GMC Sierra 3500HD SLE Crew Cab 2WD $2,666 $1,333 $222
GMC Sierra SLE Regular Cab 4WD $2,598 $1,299 $217
Toyota Tacoma Double Cab 4WD $2,438 $1,219 $203
Toyota Tundra Double Cab 4WD $2,562 $1,281 $214
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate information does not factor in specific location which can raise or lower auto insurance rates considerably.

Insurance Rates for Popular SUVs and Crossovers in Detroit
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX AWD $2,230 $1,115 $186
Chevrolet Suburban LT 4WD $2,438 $1,219 $203
Chevrolet Traverse LTZ 2WD $2,298 $1,149 $192
Ford Escape XLT 2WD $1,998 $999 $167
Ford Explorer XLT AWD $2,208 $1,104 $184
GMC Acadia SLE AWD $2,370 $1,185 $198
GMC Terrain SLE AWD $2,230 $1,115 $186
Honda CR-V EX-L 2WD $2,068 $1,034 $172
Honda Fit $1,982 $991 $165
Honda Pilot EX-L 4WD $2,438 $1,219 $203
Hyundai Tucson GLS 2WD $2,138 $1,069 $178
Jeep Grand Cherokee Laredo 4WD $2,370 $1,185 $198
Toyota 4Runner SR/5 2WD $2,298 $1,149 $192
Toyota Highlander Hybrid 4WD $2,666 $1,333 $222
Toyota RAV4 Limited 4WD $2,370 $1,185 $198
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in Detroit location which can modify premiums greatly.

Compare cheap Detroit car insurance quotes

Detroit auto insurance pricing variables

The information and graphs displayed next highlight a few of the factors that can affect rate quotes in Detroit. Understanding how policy rates are formulated is important for you to make smart choices when buying a policy.

Car insurance premiums by gender and age

The illustration below compares insurance rates for male and female drivers in Detroit. The data assumes no violations or claims, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Liability-only versus full coverage

The illustration below visualizes the comparison of car insurance rates with full coverage and liability only. The prices are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no additional discounts are factored in.

Guidelines for dropping full coverage

There is no exact formula of when to phase out physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s pretend your vehicle’s settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying your policy deductible. If premium cost is more than $700 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some situations where buying only liability insurance is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Detroit insurance discounts

The information below shows the comparison of premium costs with and without discounts applied. The premiums assume a male driver, a clean driving record, no at-fault accidents, Michigan state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, claim-free, multi-car, and marriage discounts applied.

How car insurance companies determine insurance rates

A large part of saving on insurance is knowing the rating factors that go into determining your premiums. When you understand what influences your rates, this allows you to make good choices that may reward you with lower premium levels. Lots of factors are part of the equation when premium rates are determined. A few of the factors are predictable like an MVR report, but other factors are not as apparent such as your credit history or how financially stable you are.

The items below are some of the factors used by insurance companies to determine your rate level.