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Study: Car Insurance Rates in Detroit by Age

Car insurance rates for a   Bmw Ford Hyundai Toyota in   Detroit Michigan

Estimated cost for car insurance $2.800 dollars.

We already know, that Detroit and the whole Michigan state has the highest car insurance rates in the United States, perhaps worldwide. There is an article, which can help you find out more details about specific prices and why are auto insurance rates so high! The average monthly premium in Detroit is around $184, it is $2208 yearly! Stop! That's only one study. And again, this is based on liability coverage only! The other statistics are much more menacing. Some articles are saying, that Detroit has a high vehicle-theft rate, which has increased 5.8% in 2016. On the other hand, there are website with much different statistics. Michigan's auto theft rate is more than three times lower than what it was thirty years ago.

Important: Michigan's no-fault PPI insurance only pays for damages to properly parked vehicles. You should buy collision and comprehensive!

2016/2017 Detroit crime stats overview

According to initial year-end 2016 data generated by the Detroit Police Department, most categories of crime continued to decline in Detroit over the past 12 months. Explore safest Detroit neighborhoods, here is a table of crime rates in Detroit, Michigan. The sad fact is, Detroit is one of the most dangerous cities in America. You can be sure, that higher rates of theft and property crime mean "high risk area" for all insurance companies and therefore also higher insurance rates. You can learn more about how car insurance companies investigate accident claims in Michigan (Detroit) and other US locations.

High risk area = A high-risk driver = one who has a higher potential of filing a claim vs insurance company!

Michigan statistics - vehicle theft - car insurance rates

Who has the best car insurance rates in Michigan?

Insurance Company Yearly Rates
MetLife $2,136
Chubb $3,108
Hastings Mutual $3,258
Farm Bureau $3,420
MEEMIC $3,540
Auto Owners $3,736
Pioneer State Mutual $4,085
Frankenmuth $4,480
Auto Club Group $4,796
Hanover $5,650

Highest vs Lowest premiums by ZIP CODES (MI)

Highest Insurance Rates Lowest Insurance Rates
48227 - DETROIT: $7,428 49418 - GRANDVILLE: $1,798
48206 - DETROIT: $7,650 49855 - MARQUETTE: $1,854
48204 - DETROIT: $7,484 48821 - DIMONDALE: $1,826
48202 - DETROIT: $7,386 49426 - HUDSONVILLE: $1,863

Car insurance rates by age!

Generally, car insurance for young (teens and student) drivers tends to be more expensive than for older drivers. Teen drivers are considered "high risk" by all insurance companies across the United States. Young drivers are more likely to be involved in auto accidents with more complicated consequences.

United States - car insurance rates state by state (age study)

Another factors, which affect car insurance rates in Michigan

  1. Residential ZIP codes
  2. Credit scores (financial history)
  3. Crashes/congested roadways
  4. Lack of private health insurance

How much are you paying for car insurance in Detroit?

Lowest rates in Michigan $468
Average rates in Michigan $2340
Highest rates in Michigan $8.190
Please note that these prices are indicative only and costs may vary depending on the type of policy and an insurance agent you choose.
The content "Study: Car Insurance Rates in Detroit by Age" has been written 5 years 3 months ago. Demonstrate your skills and willingness to help and answer right now! Issue is related to the location of Detroit, Michigan & vehicle model: Bmw, Ford, Hyundai, Toyota. Are you an insurance agent (living around Detroit, Michigan) who can offer auto insurance quotes online? As an insurer, you can offer insurance quotes (free). Expected or offered car insurance price is around or under 2.800 dollars. Latest answer commented 5 years 3 months ago.

Commissioner

  • Patrick M. McPharlinDirector
  • (Midwest Zone)
  • Department of Insurance and Financial Services
  • PO Box 30220
  • Lansing, Michigan 48909-7720
  • Phone: 517.284-8800
  • Fax: 517.284-8844
  • Street Address:
  • Mason Building, 8th Floor
  • 530 W. Allegan Street 
  • Lansing, Michigan 48933

Department of Insurance

To request professional legal assistance with an insurance question or file an insurance-related complaint online, please visit website of - State insurance commissioners.

Would you like to know if an insurance company is licensed in Detroit, Michigan or any other U.S State? How much does Toyota, Hyundai, Ford, Bmw car insurance cost? To speak (chat) with a Division of Insurance Consumer Services representative please follow the link above.

Remember, your Toyota, Hyundai, Ford, Bmw car insurance has to be purchased through an agent licensed in your State.
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Learn more about rates and terms for your Toyota, Hyundai, Ford, Bmw and find the cheapest car insurance quotes in Detroit, Michigan and other U.S. states to fit your needs and family budget. Understanding car insurance average rates in Detroit can help find a good, cheap car insurance policy and a great way to save some money. Would you like to pay less than 2800$ for liability insurance in your state? You can lower your monthly insurance payments by 10 - 30%. How? By doing any of the following.

Ask for better quotes - online

The states with the cheapest car insurance has average rates for this vehicle around $840 dollars, and the states with the most expensive rates are around $6.160 a month/year. The right discount can save you hundreds of dollars off your car insurance bill. Auto insurance companies in Detroit, Michigan use rating factors, to determine how much to charge you for coverage. These rating factors include: the make, model and year of your Toyota, Hyundai, Ford, Bmw and similar vehicles.

Myths about car insurance

How much do you pay to insure your Toyota, Hyundai, Ford, Bmw? Car insurance rates among states vary widely and insurance companies need to figure out if the applicant is too risky for them to insure. Auto insurance is very expensive, probably one of the most costly part of driving. How much do you pay for your policy in Detroit, Michigan? 2800$? More or less?
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Minimum insurance requirements

The minimum amounts of BI/PD insurance you must carry in Michigan are:

  • $20,000 for injuries or death to an individual.
  • $40,000 for injures or death per accident to multiple people.
  • $10,000 for property damage in another state.
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"Study: Car Insurance Rates in Detroit by Age"

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