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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $49 | $588 | Progressive | 39 | September 11, 2024 | Detroit, MI | 48208 |
| $95 | $1,140 | Progressive | 28 | February 16, 2024 | Detroit, MI | 48224 |
| $96 | $1,146 | Bristol West | 53 | March 30, 2025 | Detroit, MI | 48228 |
| $97 | $1,160 | Bristol West | 58 | June 25, 2024 | Detroit, MI | 48228 |
| $103 | $1,232 | Bristol West | 57 | November 13, 2024 | Detroit, MI | 48228 |
| $104 | $1,246 | Bristol West | 76 | October 15, 2024 | Detroit, MI | 48207 |
| $104 | $1,250 | Bristol West | 55 | June 18, 2024 | Detroit, MI | 48228 |
| $105 | $1,260 | Bristol West | 36 | December 30, 2024 | Detroit, MI | 48223 |
| $105 | $1,260 | Bristol West | 25 | December 4, 2024 | Detroit, MI | 48223 |
| $105 | $1,262 | Bristol West | 40 | December 3, 2024 | Detroit, MI | 48228 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Detroit
Detroit gets cold, icy, snowy winters, and wildlife collisions are common across the state. There are tens of thousands of collisions involving deer in Michigan every year, 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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $96 | $1,146 | Bristol West | 53 | March 30, 2025 | Detroit, MI | 48228 |
| $111 | $1,328 | Progressive | 57 | June 6, 2025 | Detroit, MI | 48204 |
| $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 |
| $113 | $1,360 | Bristol West | 42 | April 3, 2025 | Detroit, MI | 48228 |
| $121 | $1,450 | Progressive | 62 | September 8, 2024 | Detroit, MI | 48219 |
| $122 | $1,462 | Bristol West | 53 | March 22, 2025 | Detroit, MI | 48209 |
| $129 | $1,546 | Progressive | 32 | March 10, 2025 | Detroit, MI | 48206 |
| $133 | $1,596 | Progressive | 31 | June 1, 2025 | Detroit, MI | 48217 |
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $95 | $1,140 | Progressive | 28 | No | February 16, 2024 | Detroit, MI | 48224 |
| $105 | $1,260 | Bristol West | 25 | No | December 4, 2024 | Detroit, MI | 48223 |
| $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 |
| $126 | $1,514 | Progressive | 29 | No | January 21, 2024 | Detroit, MI | 48235 |
Cheapest car insurance for mature drivers in Detroit (30-54 years old)
|
Monthly Quote
|
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 |
| $96 | $1,146 | Bristol West | 53 | Yes | March 30, 2025 | Detroit, MI | 48228 |
| $105 | $1,260 | Bristol West | 36 | No | December 30, 2024 | Detroit, MI | 48223 |
| $105 | $1,262 | Bristol West | 40 | No | December 3, 2024 | Detroit, MI | 48228 |
| $106 | $1,270 | Bristol West | 48 | No | January 31, 2025 | Detroit, MI | 48228 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $97 | $1,160 | Bristol West | 58 | No | June 25, 2024 | Detroit, MI | 48228 |
| $103 | $1,232 | Bristol West | 57 | No | November 13, 2024 | Detroit, MI | 48228 |
| $104 | $1,246 | Bristol West | 76 | No | October 15, 2024 | Detroit, MI | 48207 |
| $104 | $1,250 | Bristol West | 55 | No | June 18, 2024 | Detroit, MI | 48228 |
| $111 | $1,328 | Progressive | 57 | Yes | June 6, 2025 | Detroit, MI | 48204 |
| $115 | $1,376 | Bristol West | 77 | No | August 21, 2024 | Detroit, MI | 48228 |
| $121 | $1,450 | Progressive | 62 | Yes | September 8, 2024 | Detroit, MI | 48219 |
| $123 | $1,470 | Progressive | 65 | No | March 11, 2025 | Detroit, MI | 48221 |
| $127 | $1,524 | Progressive | 59 | No | May 26, 2025 | Detroit, MI | 48238 |
| $128 | $1,536 | Bristol West | 65 | No | August 4, 2024 | Detroit, MI | 48227 |
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $95 | $1,140 | Progressive | 28 | February 16, 2024 | No | Detroit, MI | 48224 |
| $97 | $1,160 | Bristol West | 58 | June 25, 2024 | No | Detroit, MI | 48228 |
| $103 | $1,232 | Bristol West | 57 | November 13, 2024 | No | Detroit, MI | 48228 |
| $104 | $1,246 | Bristol West | 76 | October 15, 2024 | No | Detroit, MI | 48207 |
| $104 | $1,250 | Bristol West | 55 | June 18, 2024 | No | Detroit, MI | 48228 |
| $105 | $1,260 | Bristol West | 25 | December 4, 2024 | No | Detroit, MI | 48223 |
| $105 | $1,260 | Bristol West | 36 | December 30, 2024 | No | Detroit, MI | 48223 |
| $105 | $1,262 | Bristol West | 40 | December 3, 2024 | No | Detroit, MI | 48228 |
| $106 | $1,270 | Bristol West | 48 | January 31, 2025 | No | Detroit, MI | 48228 |
| $106 | $1,276 | Bristol West | 31 | August 21, 2024 | No | Detroit, MI | 48205 |
Cheapest car insurance for drivers with at-fault accidents in Detroit
|
At-fault Accident on Record
|
Monthly Quote
|
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 | $115 | $1,376 | Bristol West | 77 | No | August 21, 2024 | Detroit, MI | 48228 |
| At Fault With No Injury | $122 | $1,462 | Bristol West | 53 | Yes | March 22, 2025 | Detroit, MI | 48209 |
| At Fault With No Injury | $163 | $1,956 | Bristol West | 54 | Yes | December 10, 2024 | Detroit, MI | 48215 |
| At Fault With No Injury | $171 | $2,046 | Progressive | 34 | No | October 7, 2024 | Detroit, MI | 48224 |
Cheapest car insurance for drivers with speeding tickets in Detroit
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $96 | $1,146 | Bristol West | 53 | March 30, 2025 | Detroit, MI | 48228 |
| Speeding under 15 | $129 | $1,546 | Progressive | 32 | March 10, 2025 | Detroit, MI | 48206 |
| Speeding under 15 | $183 | $2,196 | Bristol West | 43 | November 25, 2024 | Detroit, MI | 48234 |
| Speeding under 15 | $220 | $2,644 | Progressive | 24 | January 29, 2025 | Detroit, MI | 48227 |
| Speeding under 15 | $224 | $2,684 | Bristol West | 24 | January 30, 2025 | Detroit, MI | 48228 |
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.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
