Car Insurance in Detroit, MI – 2022 Rates + Cheapest to Insure

To help battle expensive auto insurance in Detroit, we compare over 150 different cars, trucks, and SUVs to find which have cheap Detroit car insurance rates.

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How much is car insurance in Detroit?

Detroit car insurance costs an average of $5,966 per year, which is 280.7% more than the overall U.S. national average rate of $1,567. The average cost of car insurance per month in Detroit is $497 for a full-coverage car insurance policy.

In the state of Michigan, the average car insurance expense is $2,424 per year, so the average cost in Detroit is $3,542 more per year. When prices are compared to other locations in Michigan, the average cost to insure a car in Detroit is $2,050 per year more than in Sterling Heights, $3,188 per year more expensive than in Lansing, and $3,440 per year more than in Ann Arbor.

The age of the rated driver has a significant impact the price you pay for auto insurance, so the list below illustrates these differences by showing the difference in average car insurance rates in Detroit for driver ages from 16 to 60.

Detroit car insurance cost by driver age

  • 16-year-old rated driver – $21,362 per year or $1,780 per month
  • 17-year-old rated driver – $19,952 per year or $1,663 per month
  • 18-year-old rated driver – $18,632 per year or $1,553 per month
  • 19-year-old rated driver – $16,850 per year or $1,404 per month
  • 20-year-old rated driver – $11,836 per year or $986 per month
  • 30-year-old rated driver – $6,280 per year or $523 per month
  • 40-year-old rated driver – $5,966 per year or $497 per month
  • 50-year-old rated driver – $5,428 per year or $452 per month
  • 60-year-old rated driver – $5,330 per year or $444 per month

The chart below shows average Detroit auto insurance cost broken out for both different driver ages and policy deductibles. Rates are averaged for all 2022 vehicle models including luxury models.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Detroit car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Detroit zip codes.Data last updated on July 25, 2022
Average Car Insurance Cost in Detroit, MI
Average Car Insurance Cost in Detroit, MI
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$10,048$837
$500$11,836$986
$250$13,720$1,143
30$1,000$5,274$440
$500$6,280$523
$250$7,322$610
40$1,000$5,046$421
$500$5,966$497
$250$6,924$577
50$1,000$4,602$384
$500$5,428$452
$250$6,290$524
60$1,000$4,518$377
$500$5,330$444
$250$6,178$515

Average rates in the chart range from $4,518 per year for a 60-year-old driver with $1,000 deductibles to $13,720 per year for a 20-year-old driver with $250 deductibles. The rate used in this article for comparison of different models and locations is a 40-year-old driver with $500 physical damage deductibles, which has an average cost of $5,966 per year in Detroit.

As a monthly amount, the average cost to insure a car in Detroit ranges from $377 to $1,143 for the same driver ages and deductibles shown in the previous chart.

Detroit car insurance rates can have significant differences in cost and are impacted by many factors. This wide range of possible rates reinforces the need for accurate free auto insurance quotes when shopping online for a cheaper auto insurance policy.

The vehicle models that are popular in Detroit tend to be compact or midsize cars like the Hyundai Elantra and Honda Accord and compact or midsize SUVs like the Ford Escape, Toyota RAV4, and Subaru Outback.

Some additional popular vehicles from other segments include luxury SUVs like the Acura MDX and Cadillac XT5, luxury cars like the BMW 530i and Infiniti Q50, and pickup trucks like the Chevy Silverado and Toyota Tacoma.

We will get into auto insurance rates for many more vehicles coming up, but before we get into that, let’s review in a nutshell the comparisons and concepts that we covered in the first section.

  • Detroit car insurance cost is more than the U.S. average – $5,966 (Detroit average) compared to $1,567 (U.S. average)
  • Detroit auto insurance rates are more expensive than the Michigan state average – $5,966 (Detroit average) versus $2,424 (Michigan average)
  • Insuring teen drivers is expensive – Average rates range from $14,986 to $21,362 per year for teen driver car insurance in Detroit.
  • Average car insurance cost per month ranges from $128 to $512 – That’s the average car insurance cost range for drivers from age 16 to 60 in Detroit.
  • Teen females pay less than teenage males – Female drivers age 16 to 19 pay $1,864 to $2,554 less each year than their male counterparts.
  • Auto insurance rates decline considerably in your twenties – The average 30-year-old Detroit driver will pay $1,596 less per year than a 20-year-old driver, $1,804 compared to $3,400.
  • Low deductible car insurance costs more – A 40-year-old driver pays an average of $538 more per year for a policy with $250 deductibles compared to $1,000 deductibles.

What models have cheap Detroit car insurance rates?

When comparing rates for all cars, SUVs, and pickups, the models with the lowest cost average insurance prices in Detroit, MI, tend to be compact SUVs and crossovers like the Chevrolet Trailblazer, Mazda CX-5, Nissan Rogue Sport, and Toyota C-HR.

Average car insurance quotes for those small SUVs cost $414 or less per month for a policy with full coverage.

Additional vehicles that are in the top 20 in our cost comparison are the Volkswagen Tiguan, Ford Maverick, Kia Seltos, and Mazda MX-5 Miata. Average cost is somewhat higher for those models than the cheapest compact SUVs that rank near the top, but they still have an average insurance cost of $5,176 or less per year, or around $431 per month.

The following table details the 25 cars, trucks, and SUVs with the cheapest insurance rates in Detroit, ordered by cost.

Top 25 Cheapest Automobiles to Insure in Detroit
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$4,538$378
2Nissan Kicks$4,652$388
3Chevrolet Trailblazer$4,680$390
4Subaru Crosstrek$4,788$399
5Honda Passport$4,794$400
6Toyota C-HR$4,904$409
7Chevrolet Colorado$4,910$409
8Buick Encore$4,934$411
9Nissan Rogue Sport$4,972$414
10Hyundai Venue$5,066$422
11Buick Envision$5,076$423
12Kia Seltos$5,080$423
13Ford Maverick$5,102$425
14Acura RDX$5,112$426
15Toyota Corolla Cross$5,118$427
16Subaru Ascent$5,122$427
17Hyundai Kona$5,152$429
18Subaru Forester$5,166$431
19Mazda MX-5 Miata$5,170$431
20Subaru Impreza$5,174$431
21Volkswagen Tiguan$5,176$431
22Chevrolet Spark$5,200$433
23Honda CR-V$5,222$435
24Cadillac XT4$5,240$437
25Mazda CX-30$5,276$440

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Detroit, MI.Data last updated on July 25, 2022
    Top 25 Cheapest Automobiles to Insure in Detroit

    A table of 25 vehicle models with cheap Detroit car insurance is great if you’re just looking for low rates. Considering the fact that we rate over 700 vehicles, only about 4% of vehicles are displayed.

    So let’s dig deeper and show the cheapest models in a more sensible format. The following six sections break out the top 20 models with the cheapest insurance rates in Detroit for the most popular vehicle segments.

    Cheapest cars to insure in Detroit

    The top five models for the lowest-cost Detroit car insurance rates in the sedan or hatchback segment are the Volkswagen Jetta, Subaru Legacy, Volkswagen Golf, Subaru Impreza, and Chevrolet Spark. Auto insurance quotes for these vehicles average $5,798 or less per year, or around $483 per month.

    Other cars that have cheaper rates are the Honda Insight, Nissan Sentra, Kia K5, and Toyota Camry, with average rates of $5,866 per year or less.

    Some additional cars that make the list include the Chevrolet Malibu, Kia Rio, Hyundai Veloster, and Kia Forte, which cost between $5,866 and $6,198 per year to insure in Detroit.

    On a monthly basis, auto insurance in Detroit on this segment for a good driver can cost as low as $431 per month, depending on your location and insurance company.

    The cheapest compact car to insure in Detroit is the Subaru Impreza at $5,174 per year. For midsize models, the Subaru Legacy is cheapest to insure at $5,780 per year. And for full-size non-luxury cars, the Toyota Avalon has the cheapest rates at $6,264 per year.

    The comparison table below ranks the twenty cars with the most affordable insurance rates in Detroit.

    Cheapest Car Insurance in Detroit
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$5,174$431
    Chevrolet SparkCompact$5,200$433
    Volkswagen GolfCompact$5,736$478
    Subaru LegacyMidsize$5,780$482
    Volkswagen JettaCompact$5,798$483
    Honda InsightMidsize$5,800$483
    Nissan SentraCompact$5,818$485
    Kia K5Midsize$5,862$489
    Toyota CamryMidsize$5,866$489
    Toyota CorollaCompact$5,866$489
    Kia RioCompact$5,886$491
    Volkswagen PassatMidsize$5,894$491
    Honda CivicCompact$5,906$492
    Mazda 3Compact$5,934$495
    Mazda 6Midsize$5,942$495
    Toyota PriusCompact$5,960$497
    Hyundai AccentCompact$6,038$503
    Hyundai VelosterCompact$6,094$508
    Kia ForteCompact$6,104$509
    Chevrolet MalibuMidsize$6,198$517

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Detroit, MI.Data last updated on July 25, 2022
      Cheapest Car Insurance in Detroit

      The most popular vehicles in Detroit don’t necessarily have the most affordable auto insurance rates. For example, a few of the more popular car models that ranked out of the top 20 include the Hyundai Elantra costing $6,728 per year ($561 per month), the Hyundai Sonata costing $6,796 ($566 per month), and the Tesla Model 3 at $6,266 ($522 per month).

      See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

      Don’t see insurance rates for your vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Michigan.

      Cheapest SUV insurance rates in Detroit

      The five cheapest SUVs to insure in Detroit are the Mazda CX-5, Nissan Kicks, Chevrolet Trailblazer, Honda Passport, and Subaru Crosstrek. Average insurance rates for for these models range from $4,538 to $4,788 per year.

      Additional SUVs that have cheaper rates are the Buick Encore, Nissan Rogue Sport, Hyundai Venue, and Buick Envision, with average cost of $5,076 per year or less.

      Auto insurance rates in Detroit for this segment for the average driver starts at an average of $378 per month, depending on where you live.

      If SUV size is considered, the cheapest compact SUV to insure in Detroit is the Mazda CX-5 at $4,538 per year, or $378 per month. For midsize SUVs, the Honda Passport has the cheapest rates at $4,794 per year, or $400 per month. And for full-size SUVs, the Chevrolet Tahoe has the best rates at $5,986 per year, or $499 per month.

      The comparison table below ranks the twenty SUVs with the most affordable average insurance rates in Detroit, starting with the Mazda CX-5 at $4,538 per year ($378 per month) and ending with the Ford Edge at $5,374 per year ($448 per month).

      Cheapest SUV Insurance in Detroit
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$4,538$378
      Nissan KicksCompact$4,652$388
      Chevrolet TrailblazerCompact$4,680$390
      Subaru CrosstrekCompact$4,788$399
      Honda PassportMidsize$4,794$400
      Toyota C-HRCompact$4,904$409
      Buick EncoreCompact$4,934$411
      Nissan Rogue SportCompact$4,972$414
      Hyundai VenueCompact$5,066$422
      Buick EnvisionCompact$5,076$423
      Kia SeltosCompact$5,080$423
      Toyota Corolla CrossCompact$5,118$427
      Subaru AscentMidsize$5,122$427
      Hyundai KonaCompact$5,152$429
      Subaru ForesterCompact$5,166$431
      Volkswagen TiguanCompact$5,176$431
      Honda CR-VCompact$5,222$435
      Mazda CX-30Compact$5,276$440
      Honda HR-VCompact$5,360$447
      Ford EdgeMidsize$5,374$448

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Detroit, MI.Data last updated on July 25, 2022
        Cheapest SUV Insurance in Detroit

        A few popular non-luxury SUVs that have higher rates than the list above include the Ford Explorer at an average of $5,606 per year, the Nissan Rogue costing $5,842, and the Subaru Forester costing an average of $5,166.

        See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

        Don’t see your SUV in the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Michigan.

        Cheapest pickups to insure in Detroit

        Ranking at the top of the list for the cheapest Detroit auto insurance rates in the pickup segment are the Chevrolet Colorado, Ford Maverick, Toyota Tacoma, Nissan Frontier, and Ford Ranger. Insurance rates for these 2022 models average $473 or less per month.

        Other pickups that have affordable insurance rates include the Honda Ridgeline, GMC Canyon, Hyundai Santa Cruz, and Ford F150, with an average car insurance cost of $5,866 per year or less.

        Full-coverage auto insurance for this segment in Detroit for the average driver starts at an average of $409 per month, depending on your company and location. The table below ranks the twenty pickups with the cheapest car insurance in Detroit, starting with the Chevrolet Colorado at $4,910 per year and ending with the GMC Sierra 3500 at $7,016 per year.

        Cheapest Pickup Insurance in Detroit
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$4,910$409
        Ford MaverickMidsize$5,102$425
        Ford RangerMidsize$5,302$442
        Toyota TacomaMidsize$5,538$462
        Nissan FrontierMidsize$5,680$473
        Hyundai Santa CruzMidsize$5,734$478
        GMC CanyonMidsize$5,744$479
        Ford F150Full-size$5,770$481
        Honda RidgelineMidsize$5,808$484
        Jeep GladiatorMidsize$5,866$489
        GMC SierraFull-size$6,080$507
        Nissan TitanFull-size$6,298$525
        Chevrolet SilveradoFull-size$6,410$534
        Toyota TundraFull-size$6,418$535
        Ford F350 Super DutyHeavy Duty$6,478$540
        Chevrolet Silverado HD 3500Heavy Duty$6,526$544
        Nissan Titan XDHeavy Duty$6,700$558
        Ram TruckFull-size$6,814$568
        GMC Sierra 2500 HDHeavy Duty$6,960$580
        GMC Sierra 3500Heavy Duty$7,016$585

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Detroit, MI.Data last updated on July 25, 2022
          Cheapest Pickup Insurance in Detroit

          For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

          Don’t see insurance cost for your pickup? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Detroit car insurance quotes from top-rated auto insurance companies in Michigan.

          Cheapest sports car insurance rates in Detroit

          The four top-ranked sports cars with the most affordable insurance rates in Detroit are the Mazda MX-5 Miata at $5,170 per year, Ford Mustang at $6,294 per year, BMW Z4 at $6,420 per year, and Subaru WRX at $6,782 per year.

          Some other sports cars that have cheaper rates are the Subaru BRZ, Toyota GR Supra, Chevrolet Corvette, and Audi TT, with average insurance cost of $7,726 per year or less.

          Additional cars that make the list include the Mercedes-Benz AMG GT53, Jaguar F-Type, Dodge Challenger, Porsche 718, and Chevrolet Camaro, which cost between $7,726 and $9,832 per year for insurance.

          From a monthly standpoint, full-coverage auto insurance in Detroit on this segment for a safe driver starts at around $431 per month, depending on where you live. The table below ranks the twenty sports cars with the lowest-cost average insurance rates in Detroit, starting with the Mazda MX-5 Miata at $431 per month and ending with the Lexus LC 500 at $819 per month.

          Cheapest Sports Car Insurance in Detroit
          Make/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$5,170$431
          Ford MustangSports Car$6,294$525
          BMW Z4Sports Car$6,420$535
          Subaru WRXSports Car$6,782$565
          Toyota GR86Sports Car$6,954$580
          Toyota GR SupraSports Car$7,112$593
          Audi TTSports Car$7,266$606
          Subaru BRZSports Car$7,488$624
          Chevrolet CorvetteSports Car$7,516$626
          BMW M3Sports Car$7,726$644
          Porsche 718Sports Car$8,066$672
          Chevrolet CamaroSports Car$8,264$689
          Lexus RC FSports Car$8,466$706
          Dodge ChallengerSports Car$8,488$707
          Mercedes-Benz AMG GT53Sports Car$8,614$718
          Jaguar F-TypeSports Car$9,016$751
          Porsche TaycanSports Car$9,254$771
          Porsche 911Sports Car$9,482$790
          BMW M4Sports Car$9,506$792
          Lexus LC 500Sports Car$9,832$819

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Detroit, MI.Data last updated on July 25, 2022
            Cheapest Sports Car Insurance in Detroit

            Need rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Detroit.

            Cheapest luxury cars to insure in Detroit

            The four lowest-cost luxury car models to insure in Detroit are the Acura ILX at $5,490 per year, Mercedes-Benz A220 at $5,862 per year, BMW 330i at $6,304 per year, and Acura TLX at $6,342 per year.

            Other luxury cars that have affordable average insurance rates are the BMW 330e, Alfa Romeo Giulia, BMW 228i, and BMW 230i, with an average cost to insure of $6,616 per year or less.

            Car insurance rates in this segment for a safe driver can cost as low as $458 per month, depending on the company and your location.

            The table below ranks the twenty cars with the most affordable average insurance rates in Detroit, starting with the Acura ILX at $5,490 per year ($458 per month) and ending with the Audi S3 at $6,930 per year ($578 per month).

            Cheapest Luxury Car Insurance in Detroit
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$5,490$458
            Mercedes-Benz A220Compact$5,862$489
            BMW 330iCompact$6,304$525
            Acura TLXCompact$6,342$529
            Volvo S60Compact$6,400$533
            BMW 330eCompact$6,422$535
            BMW 228iCompact$6,460$538
            BMW 230iCompact$6,502$542
            Lexus RC 300Midsize$6,610$551
            Alfa Romeo GiuliaCompact$6,616$551
            Cadillac CT4Compact$6,628$552
            Lexus RC 350Compact$6,642$554
            Genesis G70Compact$6,734$561
            Mercedes-Benz AMG CLA35Midsize$6,770$564
            BMW i4Midsize$6,804$567
            Cadillac CT5Midsize$6,828$569
            Audi A3Midsize$6,900$575
            Audi A4Compact$6,910$576
            Mercedes-Benz AMG CLA45Midsize$6,926$577
            Audi S3Compact$6,930$578

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Detroit, MI.Data last updated on July 25, 2022
              Cheapest Luxury Car Insurance in Detroit

              See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

              Is your vehicle not in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Michigan.

              Cheapest luxury SUV insurance rates in Detroit

              The five lowest-cost SUVs to insure in Detroit are the Acura RDX, Cadillac XT4, Volvo XC40, Cadillac XT5, and Lexus NX 250. Auto insurance rates for these five models range from $5,112 to $5,934 per year.

              Some other luxury SUVs that have cheaper rates include the BMW X1, Lexus UX 250h, Lexus NX 350, and Lexus UX 200, with average annual insurance rates of $6,100 per year or less.

              Some additional vehicles on the list include the Lexus RX 350, Jaguar E-Pace, Infiniti QX50, and Land Rover Evoque, which average between $6,100 and $6,318 per year for insurance in Detroit.

              Full-coverage insurance in Detroit for this segment for an average middle-age driver will start around $426 per month, depending on your location and insurance company.

              The comparison table below ranks the twenty SUVs with the most affordable car insurance in Detroit, starting with the Acura RDX at $426 per month and ending with the Lincoln Corsair at $527 per month.

              Cheapest Luxury SUV Insurance in Detroit
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$5,112$426
              Cadillac XT4Compact$5,240$437
              Volvo XC40Compact$5,742$479
              Cadillac XT5Midsize$5,866$489
              Lexus NX 250Compact$5,934$495
              BMW X1Compact$5,944$495
              Lexus NX 350hCompact$5,974$498
              Lexus UX 250hCompact$5,980$498
              Lexus NX 350Compact$6,076$506
              Lexus UX 200Compact$6,100$508
              Jaguar E-PaceMidsize$6,114$510
              Lexus RX 350Midsize$6,142$512
              Acura MDXMidsize$6,174$515
              Lincoln NautilusMidsize$6,228$519
              Lexus NX 450hCompact$6,246$521
              Mercedes-Benz GLB 250Compact$6,272$523
              Lexus RX 450hMidsize$6,288$524
              Infiniti QX50Midsize$6,308$526
              Land Rover EvoqueCompact$6,308$526
              Lincoln CorsairCompact$6,318$527

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Detroit, MI.Data last updated on July 25, 2022
                Cheapest Luxury SUV Insurance in Detroit

                See our guides for luxury SUV insurance to compare rates for additional makes and models.

                Don’t see rates for your luxury SUV? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Detroit car insurance quotes from top companies in Michigan.

                How to find cheaper Detroit car insurance

                Smart drivers in Detroit are always searching for ways to reduce the monthly expense for insurance, so scan the tips and ideas in the list below and it’s very likely you can save a few dollars on your next renewal or new policy.

                • Buy vehicles with more affordable insurance. Vehicle type is a primary factor in the cost of car insurance in Detroit. As an example, a Hyundai Kona costs $2,336 less per year to insure in Detroit than a Subaru BRZ. Lower performance vehicles cost less to insure.
                • Clean up your credit for better rates. Maintaining a high credit score could save up to $937 per year over a lower credit rating of 670-739. Conversely, a poor credit rating could cost as much as $1,086 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
                • Make your policy cheaper by raising deductibles. Raising your policy deductibles from $500 to $1,000 could save around $236 per year for a 40-year-old driver and $456 per year for a 20-year-old driver.
                • Compare car insurance rates before buying a car. Different models, and even different trim levels of the same model, have very different car insurance rates, and auto insurance companies can charge a wide range of costs. Get multiple insurance quotes before you purchase in order to prevent insurance sticker shock when you receive your bill.
                • Reduce coverage on older vehicles. Removing comprehensive and/or collision coverage from older vehicles that are not worth a lot can reduce the cost of auto insurance substantially.
                • Qualify for policy discounts to lower insurance cost. Savings may be available if the insured drivers are loyal customers, belong to certain professional organizations, sign their policy early, are senior citizens, insure multiple vehicles on the same policy, or many other policy discounts which could save the average Detroit driver as much as $1,012 per year on their insurance cost.