Cheap Car Insurance in Detroit

Written by Xuyun Zeng and 2 others
Updated Jan 7, 2025
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Cheap Car Insurance in Detroit

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Between Detroit’s extensive freeway network, unique highway names, the nearby Canadian border crossing and winter weather, you’re sure to need proper car insurance if you’re living in Detroit. You may also want to learn about the Michigan left if you’re new to the city. 

Proper car insurance coverage is a must-have in Detroit to keep your finances and your car protected. To help you start shopping, we’ve gathered quotes from real Jerry customers in Detroit to show you how various factors like driving history, location, age and coverage needs will impact your cost.

Cheapest minimum coverage insurance in Detroit

Michigan has no-fault insurance and you are required to have three coverages:

  • Personal injury protection (PIP).
  • Property protection insurance (PPI).
  • Residual liability insurance (RLI).

PIP protects you if you get hurt in an accident. By default, you’ll get unlimited PIP medical coverage unless you select one of the other medical coverage limits:

  • No PIP medical coverage (available under certain conditions).
  • $50,000, $250,000 with exclusions (per person per accident, available under certain conditions).
  • $250,000 per person per accident, $500,000 per person per accident or unlimited coverage.

PPI will pay up to $1 million for damage your vehicle causes in Michigan to other people’s property.

Finally, the minimum levels of RLI you can get are:

  • $50,000 for bodily injury to a person in an accident.
  • $100,000 per accident involving bodily injury to several people.
  • $10,000 for property damage in another state.

By default, you will get coverage of $250,000/$500,000/$10,000 unless you choose otherwise.

Here are some of the cheapest quotes Jerry customers received for state minimum coverage in Detroit.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$49 $588 Progressive 39 September 11, 2024 Detroit, MI 48208
$73 $872 Bristol West 32 October 16, 2024 Detroit, MI 48209
$87 $1,038 Progressive 29 July 25, 2024 Detroit, MI 48206
$95 $1,140 Progressive 28 February 16, 2024 Detroit, MI 48224
$97 $1,164 Bristol West 58 June 25, 2024 Detroit, MI 48228
$100 $1,195 Progressive 32 March 10, 2025 Detroit, MI 48206
$100 $1,200 Bristol West 63 April 13, 2025 Detroit, MI 48228
$101 $1,210 Progressive 65 June 21, 2024 Detroit, MI 48227
$104 $1,250 Bristol West 55 June 18, 2024 Detroit, MI 48228
$104 $1,253 Bristol West 39 February 20, 2024 Detroit, MI 48214
Last Updated May 7, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Detroit

Detroit gets cold, icy, snowy winters, and wildlife collisions are common across the state. There were 58,000 collisions involving deer in Michigan in 2023, according to Michigan State Police. The minimum coverage may not help in incidents involving animals or if your car is damaged by hazardous weather, but full coverage could.

These are some of the cheapest quotes drivers have received for full coverage in Detroit.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$100 $1,200 Bristol West 63 April 13, 2025 Detroit, MI 48228
$109 $1,307 Progressive 32 March 10, 2025 Detroit, MI 48206
$112 $1,340 Progressive 30 May 29, 2024 Detroit, MI 48202
$112 $1,342 Bristol West 29 October 22, 2024 Detroit, MI 48228
$113 $1,360 Bristol West 27 October 16, 2024 Detroit, MI 48215
$116 $1,394 Bristol West 46 March 10, 2025 Detroit, MI 48228
$121 $1,450 Progressive 62 September 8, 2024 Detroit, MI 48219
$123 $1,470 Progressive 65 March 11, 2025 Detroit, MI 48221
$135 $1,618 Bristol West 61 March 25, 2025 Detroit, MI 48228
$138 $1,660 Bristol West 25 October 9, 2024 Detroit, MI 48228
Last Updated May 7, 2025

Cheapest car insurance for young drivers in Detroit (18-29 years old)

Young Detroit drivers may be subject to higher rates, as insurers often view their lack of experience as a risk, but that doesn’t mean you can’t find affordable insurance.

Here are the cheapest quotes that Jerry customers between 18 and 29 years old have received in Detroit.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$87 $1,038 Progressive 29 No July 25, 2024 Detroit, MI 48206
$95 $1,140 Progressive 28 No February 16, 2024 Detroit, MI 48224
$112 $1,342 Bristol West 29 Yes October 22, 2024 Detroit, MI 48228
$113 $1,360 Bristol West 27 Yes October 16, 2024 Detroit, MI 48215
$118 $1,418 Gainsco 29 No July 25, 2024 Detroit, MI 48206
Last Updated May 7, 2025

Cheapest car insurance for mature drivers in Detroit (30-54 years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$49 $588 Progressive 39 No September 11, 2024 Detroit, MI 48208
$72 $858 Progressive 32 No March 10, 2025 Detroit, MI 48206
$73 $872 Bristol West 32 No October 16, 2024 Detroit, MI 48209
$104 $1,253 Bristol West 39 No February 20, 2024 Detroit, MI 48214
$106 $1,270 Bristol West 48 No January 31, 2025 Detroit, MI 48228
Last Updated May 7, 2025

Cheapest car insurance for older drivers (55+ years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$100 $1,200 Bristol West 63 Yes April 13, 2025 Detroit, MI 48228
$111 $1,334 Progressive 65 No December 26, 2024 Detroit, MI 48221
$121 $1,450 Progressive 62 Yes September 8, 2024 Detroit, MI 48219
$123 $1,470 Progressive 65 No March 11, 2025 Detroit, MI 48221
$123 $1,470 Progressive 65 Yes March 11, 2025 Detroit, MI 48221
$125 $1,502 Bristol West 59 No February 19, 2025 Detroit, MI 48221
$126 $1,512 Progressive 64 No October 18, 2024 Detroit, MI 48223
$128 $1,536 Bristol West 65 No August 4, 2024 Detroit, MI 48227
$129 $1,552 Bristol West 67 No January 11, 2025 Detroit, MI 48235
$131 $1,568 Bristol West 61 No March 25, 2025 Detroit, MI 48228
Last Updated May 7, 2025

Cheapest car insurance for drivers with clean records in Detroit

Detroit drivers with spotless records may be able to get some of the most affordable policies. Here are real quotes from Jerry customers with clean driving records in Detroit.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$73 $872 Bristol West 32 October 16, 2024 No Detroit, MI 48209
$100 $1,200 Bristol West 63 April 13, 2025 Yes Detroit, MI 48228
$106 $1,270 Bristol West 48 January 31, 2025 No Detroit, MI 48228
$108 $1,294 Bristol West 35 November 26, 2024 No Detroit, MI 48213
$111 $1,334 Progressive 65 December 26, 2024 No Detroit, MI 48221
$112 $1,342 Bristol West 29 October 22, 2024 Yes Detroit, MI 48228
$113 $1,360 Bristol West 27 October 16, 2024 Yes Detroit, MI 48215
$119 $1,432 Gainsco 32 September 16, 2024 No Detroit, MI 48205
$122 $1,460 Bristol West 43 September 21, 2024 No Detroit, MI 48215
$123 $1,470 Progressive 65 March 11, 2025 No Detroit, MI 48221
Last Updated May 7, 2025

Cheapest car insurance for drivers with at-fault accidents in Detroit

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $49 $588 Progressive 39 No September 11, 2024 Detroit, MI 48208
At Fault With No Injury $87 $1,038 Progressive 29 No July 25, 2024 Detroit, MI 48206
At Fault With No Injury $114 $1,370 Bristol West 46 No October 23, 2024 Detroit, MI 48228
At Fault With No Injury $115 $1,378 Bristol West 46 No December 10, 2024 Detroit, MI 48228
At Fault With No Injury $116 $1,394 Bristol West 46 No February 12, 2025 Detroit, MI 48228
Last Updated May 7, 2025

Cheapest car insurance for drivers with speeding tickets in Detroit

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $100 $1,195 Progressive 32 March 10, 2025 Detroit, MI 48206
Speeding over 15 $138 $1,660 Bristol West 25 September 17, 2024 Detroit, MI 48228
Speeding over 15 $138 $1,660 Bristol West 25 October 9, 2024 Detroit, MI 48228
Speeding over 15 $167 $2,006 Bristol West 25 October 4, 2024 Detroit, MI 48228
Speeding over 15 $186 $2,232 Bristol West 25 April 17, 2025 Detroit, MI 48228
Last Updated May 7, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.