Detroit auto insurance is expensive, and that can be blamed on Michigan’s no-fault laws. They’re great for anyone injured in an accident, but everyone who owns a car in Detroit has to pay higher insurance rates because of it.
Finding the cheapest auto insurance quotes in Detroit can be challenging just due to the number of companies available to choose from. Each company has their own system to set rates based on many factors and variables, and there really isn’t one cheapest company that applies to all Detroit drivers.
The best way to find the cheapest rates and quotes is to make a habit of comparing quotes regularly. Drivers who do this pay an average of 47% less than drivers who never shop around. Staying with the same company for many years can end up costing you a lot of money. It can be more convenient working with the same company and not having to go through the hassle of switching, but if you want to find the cheapest rates, you have to do a little work comparing quotes.
The companies listed below are a great place to start shopping for the most affordable Detroit car insurance quotes. Price quotes are always free, and you could end up saving more than you think.
Detroit Auto Insurance Companies
The companies below are ranked based on overall rating, best price-to-value, and highest customer satisfaction rating.
Top 10 Detroit Car Insurance Companies Overall
- The General
- Mercury Insurance
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Safeco Insurance
- USAA
Top 10 Detroit Car Insurance Companies Ranked by Value
- The General
- The Hartford
- Farmers Insurance
- Titan Insurance
- Mercury Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
Top 10 Detroit Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- State Farm – 87%
- Travelers – 87%
- Mercury Insurance – 87%
- Safeco Insurance – 86%
How to find cheaper Detroit car insurance quotes
Really, the only way to get the cheapest auto insurance rates in Detroit is to annually compare prices from insurance carriers in Michigan. You can shop around by following these steps.
First, read about how companies set rates and the modifications you can make to keep rates in check. Many rating criteria that cause rate increases like accidents, careless driving, and your credit history can be rectified by making minor driving habit or lifestyle changes. Our site gives information to get affordable coverage and get discounts that may be available to you.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes for a wide range of companies.
Third, compare the new quotes to your existing rates and determine if cheaper coverage is available in Detroit. If you find a lower rate and buy the policy, make sure coverage is continuous and does not lapse.
Fourth, notify your company or agent to cancel the current policy and submit a completed policy application and payment for your new policy. As soon as you have the new policy, place your new certificate verifying coverage in an accessible location in your vehicle.
The most important part of this process is to try to use the same level of coverage on each quote and and to get price quotes from as many auto insurance providers as possible. Doing this ensures a fair rate comparison and the best price selection.