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 |
$72 | $858 | Progressive | 32 | March 10, 2025 | Detroit, MI | 48206 |
$73 | $872 | Bristol West | 32 | October 16, 2024 | Detroit, MI | 48209 |
$95 | $1,140 | Progressive | 28 | February 16, 2024 | Detroit, MI | 48224 |
$97 | $1,168 | Bristol West | 58 | June 25, 2024 | Detroit, MI | 48228 |
$100 | $1,200 | Bristol West | 39 | February 20, 2024 | Detroit, MI | 48214 |
$100 | $1,200 | Bristol West | 63 | April 13, 2025 | Detroit, MI | 48228 |
$104 | $1,250 | Bristol West | 55 | June 18, 2024 | Detroit, MI | 48228 |
$106 | $1,270 | Bristol West | 48 | January 31, 2025 | Detroit, MI | 48228 |
$108 | $1,294 | Bristol West | 35 | November 26, 2024 | Detroit, MI | 48213 |
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 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.
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|
$100 | $1,200 | Bristol West | 63 | April 13, 2025 | Detroit, MI | 48228 |
$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 |
$121 | $1,450 | Progressive | 62 | September 8, 2024 | Detroit, MI | 48219 |
$144 | $1,726 | Progressive | 61 | March 25, 2025 | Detroit, MI | 48228 |
$152 | $1,826 | Progressive | 76 | October 19, 2024 | Detroit, MI | 48235 |
$155 | $1,858 | Progressive | 44 | April 12, 2024 | Detroit, MI | 48238 |
$157 | $1,879 | Progressive | 40 | July 30, 2024 | Detroit, MI | 48227 |
$163 | $1,956 | Bristol West | 54 | December 10, 2024 | Detroit, MI | 48215 |
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 |
$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 |
$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 |
$72 | $858 | Progressive | 32 | No | March 10, 2025 | Detroit, MI | 48206 |
$73 | $872 | Bristol West | 32 | No | October 16, 2024 | Detroit, MI | 48209 |
$100 | $1,200 | Bristol West | 39 | No | February 20, 2024 | Detroit, MI | 48214 |
$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 | $1,168 | Bristol West | 58 | No | June 25, 2024 | Detroit, MI | 48228 |
$100 | $1,200 | Bristol West | 63 | Yes | April 13, 2025 | Detroit, MI | 48228 |
$104 | $1,250 | Bristol West | 55 | No | June 18, 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 |
$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 |
$132 | $1,586 | Bristol West | 55 | No | December 27, 2024 | Detroit, MI | 48204 |
$136 | $1,626 | Bristol West | 64 | No | October 18, 2024 | Detroit, MI | 48223 |
$144 | $1,726 | Progressive | 61 | Yes | March 25, 2025 | Detroit, MI | 48228 |
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
|
---|---|---|---|---|---|---|---|
$73 | $872 | Bristol West | 32 | October 16, 2024 | No | Detroit, MI | 48209 |
$95 | $1,140 | Progressive | 28 | February 16, 2024 | No | Detroit, MI | 48224 |
$97 | $1,168 | Bristol West | 58 | June 25, 2024 | No | Detroit, MI | 48228 |
$100 | $1,200 | Bristol West | 63 | April 13, 2025 | Yes | Detroit, MI | 48228 |
$100 | $1,200 | Bristol West | 39 | February 20, 2024 | No | Detroit, MI | 48214 |
$104 | $1,250 | Bristol West | 55 | June 18, 2024 | No | 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 |
$112 | $1,340 | Progressive | 30 | May 29, 2024 | Yes | Detroit, MI | 48202 |
$112 | $1,342 | Bristol West | 29 | October 22, 2024 | Yes | Detroit, MI | 48228 |
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 | $118 | $1,418 | Gainsco | 29 | No | July 25, 2024 | Detroit, MI | 48206 |
At Fault With No Injury | $149 | $1,788 | Bristol West | 38 | No | April 25, 2025 | Detroit, MI | 48204 |
At Fault With No Injury | $163 | $1,956 | Bristol West | 54 | Yes | December 10, 2024 | Detroit, MI | 48215 |
At Fault With No Injury | $173 | $2,074 | Bristol West | 54 | Yes | November 14, 2024 | Detroit, MI | 48214 |
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 | $72 | $858 | Progressive | 32 | March 10, 2025 | Detroit, MI | 48206 |
Speeding under 15 | $243 | $2,920 | Bristol West | 46 | October 22, 2024 | Detroit, MI | 48219 |
Speeding under 15 | $262 | $3,138 | Progressive | 36 | March 26, 2025 | Detroit, MI | 48224 |
Speeding under 15 | $271 | $3,254 | Progressive | 26 | November 7, 2024 | Detroit, MI | 48221 |
Speeding under 15 | $283 | $3,398 | Bristol West | 39 | March 12, 2025 | Detroit, MI | 48213 |
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.