Finding the best car insurance in Detroit can be challenging considering the sheer number of companies available. The best way to compare companies is to analyze consumer ratings for overall value, customer service, claims service, customer satisfaction, and each company’s A.M. Best rating. The table below ranks insurance companies in Detroit based on those factors.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| 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 |
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Compare cheap Detroit car insurance quotes
How to find the best Detroit car insurance rates
If saving the most money is your goal, then the best way to find affordable car insurance rates in Detroit is to compare quotes once a year from different companies who sell insurance in Michigan. This can be done by following these guidelines.
- Step 1: Learn about coverages and the measures you can control to prevent rate increases. Many rating factors that are responsible for high rates such as tickets, at-fault accidents, and bad credit can be eliminated by making small lifestyle or driving habit changes.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive and State Farm, while agents who are independent can quote prices from multiple companies. View prices
- Step 3: Compare the new rates to the price on your current policy to see if switching to a new carrier will save money. If you can save some money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Provide written notification to your current company of your intent to cancel your current policy. Submit a signed application and payment to your new insurance company. Be sure to keep your new certificate of insurance with your vehicle’s registration.
An important bit of advice to remember is that you use identical deductibles and limits on each quote and and to get price estimates from every company you can. Doing this provides an accurate price comparison and the best rate selection.
Best car insurance rates in Detroit
The cost of Detroit car insurance depends on a lot of factors, but the average price for coverage in Detroit is right around $2,200 per year. Other states average roughly $1,230, so Detroit drivers pay about $1,000 more each year than drivers in other states.
Insurance rates depend on many different variables, and one of the largest considerations is the type of vehicle you own. The rate data below details insurance cost for the top-selling vehicles in Detroit.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Impala LT | $2,444 | $1,222 | $204 |
| Chevrolet Malibu LS | $2,444 | $1,222 | $204 |
| Chevrolet Silverado Crew Cab Hybrid 2WD | $2,834 | $1,417 | $236 |
| Dodge Grand Caravan Crew | $2,504 | $1,252 | $209 |
| Dodge Ram Crew Cab ST 2WD | $2,642 | $1,321 | $220 |
| Ford Edge Sport AWD | $2,610 | $1,305 | $218 |
| Ford Escape XLT 4WD | $2,122 | $1,061 | $177 |
| Ford F-150 Lariat King Ranch 2WD | $2,670 | $1,335 | $223 |
| Ford Focus SE 2-Dr Coupe | $2,748 | $1,374 | $229 |
| Ford Fusion SE 4-Dr Sedan | $2,670 | $1,335 | $223 |
| Honda Accord LX 4-Dr Sedan | $2,064 | $1,032 | $172 |
| Honda CR-V EX 2WD | $2,064 | $1,032 | $172 |
| Honda Civic EX 2-Dr Coupe | $3,040 | $1,520 | $253 |
| Hyundai Sonata SE 4-Dr Sedan | $2,748 | $1,374 | $229 |
| Kia Optima EX | $2,808 | $1,404 | $234 |
| Nissan Altima 2.5 S 4-Dr Sedan | $2,610 | $1,305 | $218 |
| Toyota Camry XLE | $2,610 | $1,305 | $218 |
| Toyota Corolla XLE | $2,610 | $1,305 | $218 |
| Volkswagen Jetta SEL 4-Dr Sedan | $2,670 | $1,335 | $223 |
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Estimates do not factor in specific zip code location which can impact price quotes considerably.