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 car insurance 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.
More: Best car insurance in Michigan
Cheapest minimum coverage insurance in Detroit
Michigan has no-fault insurance and you are required to have these minimum coverages:
- $50,000 in bodily injury liability per person.
- $100,000 in bodily injury liability per accident.
- $10,000 in property damage liability for damage caused in another state.
Michigan drivers must also carry personal injury protection, or PIP, and property protection insurance, or PPI, which pays up to $1 million for property damage caused in Michigan during an at-fault accident.
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 |
| $73 | $872 | Bristol West | 32 | October 16, 2024 | Detroit, MI | 48209 |
| $74 | $884 | Progressive | 32 | March 10, 2025 | Detroit, MI | 48206 |
| $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 |
| $103 | $1,238 | Bristol West | 41 | December 14, 2024 | Detroit, MI | 48204 |
| $104 | $1,246 | Bristol West | 76 | October 15, 2024 | Detroit, MI | 48207 |
| $104 | $1,250 | Bristol West | 55 | June 18, 2024 | Detroit, MI | 48228 |
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Michigan
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
|
|---|---|---|---|---|---|---|
| $74 | $884 | Progressive | 32 | March 10, 2025 | Detroit, MI | 48206 |
| $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 |
| $113 | $1,360 | Bristol West | 42 | April 3, 2025 | 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 |
| $123 | $1,470 | Progressive | 65 | March 11, 2025 | Detroit, MI | 48221 |
| $133 | $1,596 | Progressive | 31 | June 1, 2025 | Detroit, MI | 48217 |
| $138 | $1,650 | Bristol West | 64 | June 11, 2024 | Detroit, MI | 48213 |
More: Best car insurance companies
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 car 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 |
| $113 | $1,360 | Bristol West | 27 | Yes | October 16, 2024 | Detroit, MI | 48215 |
| $123 | $1,476 | Progressive | 24 | No | January 29, 2025 | Detroit, MI | 48228 |
| $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 |
| $73 | $872 | Bristol West | 32 | No | October 16, 2024 | Detroit, MI | 48209 |
| $74 | $884 | Progressive | 32 | Yes | March 10, 2025 | Detroit, MI | 48206 |
| $96 | $1,146 | Bristol West | 53 | Yes | March 30, 2025 | Detroit, MI | 48228 |
| $103 | $1,238 | Bristol West | 41 | No | December 14, 2024 | Detroit, MI | 48204 |
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 |
| $120 | $1,444 | Progressive | 76 | No | June 19, 2025 | Detroit, MI | 48234 |
| $121 | $1,450 | Progressive | 62 | Yes | September 8, 2024 | Detroit, MI | 48219 |
| $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 |
More: Best car insurance for seniors
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 | $1,160 | 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 |
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 | $122 | $1,462 | Bristol West | 53 | No | 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 |
| At Fault With No Injury | $173 | $2,074 | Bristol West | 54 | Yes | November 14, 2024 | Detroit, MI | 48214 |
More: What is an at-fault accident?
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 | $74 | $884 | Progressive | 32 | March 10, 2025 | Detroit, MI | 48206 |
| Speeding under 15 | $96 | $1,146 | Bristol West | 53 | March 30, 2025 | Detroit, MI | 48228 |
| Speeding under 15 | $127 | $1,518 | Bristol West | 28 | March 21, 2025 | Detroit, MI | 48228 |
| Speeding under 15 | $182 | $2,183 | Progressive | 31 | July 2, 2025 | Detroit, MI | 48204 |
| Speeding under 15 | $183 | $2,196 | Bristol West | 43 | November 25, 2024 | Detroit, MI | 48234 |
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 with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
