Cheap Car Insurance in Detroit (July 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 11, 2025
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Cheap Car Insurance in Detroit (July 2025)

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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 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
$75 $904 Bristol West 32 March 31, 2025 Detroit, MI 48228
$95 $1,140 Progressive 28 February 16, 2024 Detroit, MI 48224
$97 $1,160 Bristol West 58 June 25, 2024 Detroit, MI 48228
$100 $1,200 Bristol West 63 April 13, 2025 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 25 December 4, 2024 Detroit, MI 48223
Last Updated Jul 12, 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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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
$100 $1,200 Bristol West 63 April 13, 2025 Detroit, MI 48228
$108 $1,296 Bristol West 41 October 27, 2024 Detroit, MI 48204
$112 $1,340 Progressive 30 May 29, 2024 Detroit, MI 48202
$113 $1,360 Bristol West 27 October 16, 2024 Detroit, MI 48215
$121 $1,450 Progressive 62 September 8, 2024 Detroit, MI 48219
$138 $1,650 Bristol West 64 June 11, 2024 Detroit, MI 48213
$141 $1,688 Progressive 37 June 28, 2024 Detroit, MI 48221
$141 $1,690 Bristol West 64 January 14, 2025 Detroit, MI 48213
$148 $1,778 Bristol West 31 September 22, 2024 Detroit, MI 48228
$157 $1,879 Progressive 40 July 30, 2024 Detroit, MI 48227
Last Updated Jul 12, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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
$126 $1,514 Progressive 29 No January 21, 2024 Detroit, MI 48235
$132 $1,578 Bristol West 26 No May 25, 2024 Detroit, MI 48228
Last Updated Jul 12, 2025

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
$75 $904 Bristol West 32 No March 31, 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
Last Updated Jul 12, 2025

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
$100 $1,200 Bristol West 63 Yes April 13, 2025 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 No 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
$127 $1,518 Bristol West 58 No June 19, 2024 Detroit, MI 48228
$128 $1,536 Bristol West 65 No August 4, 2024 Detroit, MI 48227
Last Updated Jul 12, 2025

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
$100 $1,200 Bristol West 63 April 13, 2025 Yes 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
$106 $1,270 Bristol West 48 January 31, 2025 No Detroit, MI 48228
Last Updated Jul 12, 2025

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 $105 $1,262 Bristol West 40 No December 3, 2024 Detroit, MI 48228
At Fault With No Injury $111 $1,330 Bristol West 53 No December 11, 2024 Detroit, MI 48209
At Fault With No Injury $171 $2,046 Progressive 34 No October 7, 2024 Detroit, MI 48224
At Fault With No Injury $183 $2,196 Bristol West 31 No December 26, 2024 Detroit, MI 48228
At Fault With No Injury $206 $2,476 Progressive 31 No May 15, 2025 Detroit, MI 48204
Last Updated Jul 12, 2025

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 $75 $904 Bristol West 32 March 31, 2025 Detroit, MI 48228
Speeding under 15 $108 $1,296 Bristol West 41 October 27, 2024 Detroit, MI 48204
Speeding under 15 $165 $1,974 Bristol West 36 October 3, 2024 Detroit, MI 48213
Speeding under 15 $182 $2,183 Progressive 31 July 2, 2025 Detroit, MI 48204
Speeding under 15 $208 $2,496 Progressive 53 March 30, 2025 Detroit, MI 48228
Last Updated Jul 12, 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.

MEET OUR EXPERTS
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Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

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.

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.