- Average car insurance cost in Detroit is $4,168 per year, which is 75.5% more than the national average rate of $1,883.
- For cheap car insurance in Detroit, small crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, Kia Soul, and Mazda CX-5 have the most affordable rates.
- Auto insurance quotes in Detroit can vary significantly, but drivers with clean driving records have the best rates, while high-risk drivers and teenagers have very expensive rates.
How much is car insurance in Detroit?
Detroit car insurance costs an average of $4,168 per year, which is 75.5% more than the overall U.S. national average rate of $1,883. The average cost of car insurance per month in Detroit is $347 for a full-coverage car insurance policy.
In the state of Michigan, the average car insurance expense is $2,490 per year, so the average cost in Detroit is $1,678 more per year. When prices are compared to other locations in Michigan, the average cost to insure a car in Detroit is $1,366 per year more than in Sterling Heights, $2,130 per year more expensive than in Lansing, and $2,296 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 – $14,848 per year or $1,237 per month
- 17-year-old rated driver – $14,383 per year or $1,199 per month
- 18-year-old rated driver – $12,892 per year or $1,074 per month
- 19-year-old rated driver – $11,740 per year or $978 per month
- 20-year-old rated driver – $8,388 per year or $699 per month
- 30-year-old rated driver – $4,448 per year or $371 per month
- 40-year-old rated driver – $4,168 per year or $347 per month
- 50-year-old rated driver – $3,696 per year or $308 per month
- 60-year-old rated driver – $3,460 per year or $288 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 2024 vehicle models including luxury models.
Average rates in the chart range from $2,926 per year for a 60-year-old driver with $1,000 deductibles to $9,754 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 $4,168 per year in Detroit.
As a monthly amount, the average cost to insure a car in Detroit ranges from $244 to $813 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 – $4,168 (Detroit average) compared to $1,883 (U.S. average)
- Detroit auto insurance rates are more expensive than the Michigan state average – $4,168 (Detroit average) versus $2,490 (Michigan average)
- Insuring teen drivers is expensive – Average rates range from $9,930 to $14,848 per year for teen driver car insurance in Detroit.
- Average car insurance cost per month ranges from $288 to $1,237 – 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 $1,810 to $979 less each year than their male counterparts.
- Auto insurance rates decline considerably in your twenties – The average 30-year-old Detroit driver will pay $3,940 less per year than a 20-year-old driver, $4,448 compared to $8,388.
- Low deductible car insurance costs more – A 40-year-old driver pays an average of $1,354 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 Kia Soul, Subaru Crosstrek, Hyundai Venue, and Buick Envision.
Average car insurance quotes for those small SUVs cost $282 or less per month for a policy with full coverage.
Additional vehicles that are in the top 20 in our cost comparison are the Kia Niro, Nissan Murano, Acura RDX, and Volkswagen Taos. 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 $3,574 or less per year, or around $298 per month.
The following table details the 25 cars, trucks, and SUVs with the cheapest insurance rates in Detroit, ordered by cost.
Rank | Make/Model | Annual Premium | Cost Per Month |
---|---|---|---|
1 | Subaru Crosstrek | $3,080 | $257 |
2 | Chevrolet Trailblazer | $3,136 | $261 |
3 | Kia Soul | $3,256 | $271 |
4 | Nissan Kicks | $3,282 | $274 |
5 | Honda Passport | $3,322 | $277 |
6 | Buick Envision | $3,342 | $279 |
7 | Toyota Corolla Cross | $3,360 | $280 |
8 | Hyundai Venue | $3,386 | $282 |
9 | Mazda CX-5 | $3,400 | $283 |
10 | Ford Bronco Sport | $3,416 | $285 |
11 | Volkswagen Tiguan | $3,450 | $288 |
12 | Acura RDX | $3,486 | $291 |
13 | Nissan Murano | $3,504 | $292 |
14 | Buick Encore | $3,542 | $295 |
15 | Subaru Outback | $3,552 | $296 |
16 | Honda CR-V | $3,556 | $296 |
17 | Buick Envista | $3,562 | $297 |
18 | Chevrolet Colorado | $3,568 | $297 |
19 | Volkswagen Taos | $3,570 | $298 |
20 | Kia Niro | $3,574 | $298 |
21 | Toyota GR Corolla | $3,624 | $302 |
22 | Honda HR-V | $3,626 | $302 |
23 | Subaru Ascent | $3,630 | $303 |
24 | Nissan Leaf | $3,650 | $304 |
25 | Honda Civic | $3,690 | $308 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Detroit, MI Zip Codes. Updated February 23, 2024
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 Subaru Impreza, Nissan Sentra, Honda Civic, Toyota GR Corolla, and Nissan Leaf. Auto insurance quotes for these vehicles average $3,830 or less per year, or around $319 per month.
Other cars that have cheaper rates are the Hyundai Ioniq 6, Toyota Prius, Kia K5, and Chevrolet Malibu, with average rates of $4,046 per year or less.
Some additional cars that make the list include the Mazda 3, Kia Forte, Volkswagen Jetta, and Hyundai Sonata, which cost between $4,046 and $4,308 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 $302 per month, depending on your location and insurance company.
The cheapest compact car to insure in Detroit is the Toyota GR Corolla at $3,624 per year. For midsize models, the Hyundai Ioniq 6 is cheapest to insure at $3,834 per year. And for full-size non-luxury cars, the Chrysler 300 has the cheapest rates at $3,958 per year.
The comparison table below ranks the twenty cars with the most affordable insurance rates in Detroit.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Toyota GR Corolla | Compact | $3,624 | $302 |
Nissan Leaf | Compact | $3,650 | $304 |
Honda Civic | Compact | $3,690 | $308 |
Nissan Sentra | Compact | $3,822 | $319 |
Subaru Impreza | Compact | $3,830 | $319 |
Hyundai Ioniq 6 | Midsize | $3,834 | $320 |
Toyota Prius | Compact | $3,898 | $325 |
Kia K5 | Midsize | $4,014 | $335 |
Honda Accord | Midsize | $4,030 | $336 |
Chevrolet Malibu | Midsize | $4,046 | $337 |
Toyota Corolla | Compact | $4,060 | $338 |
Kia Forte | Compact | $4,072 | $339 |
Volkswagen Arteon | Midsize | $4,098 | $342 |
Nissan Versa | Compact | $4,110 | $343 |
Subaru Legacy | Midsize | $4,114 | $343 |
Mitsubishi Mirage G4 | Compact | $4,208 | $351 |
Volkswagen Jetta | Compact | $4,218 | $352 |
Toyota Crown | Midsize | $4,220 | $352 |
Hyundai Sonata | Midsize | $4,226 | $352 |
Mazda 3 | Compact | $4,308 | $359 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Detroit, MI Zip Codes. Updated February 23, 2024
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 Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Average insurance rates for for these models range from $3,080 to $3,322 per year.
Additional SUVs that have cheaper rates are the Toyota Corolla Cross, Hyundai Venue, Mazda CX-5, and Ford Bronco Sport, with average cost of $3,416 per year or less.
Auto insurance rates in Detroit for this segment for the average driver starts at an average of $257 per month, depending on where you live.
If SUV size is considered, the cheapest compact SUV to insure in Detroit is the Subaru Crosstrek at $3,080 per year, or $257 per month. For midsize SUVs, the Honda Passport has the cheapest rates at $3,322 per year, or $277 per month. And for full-size SUVs, the Chevrolet Tahoe has the best rates at $3,916 per year, or $326 per month.
The comparison table below ranks the twenty SUVs with the most affordable average insurance rates in Detroit, starting with the Subaru Crosstrek at $3,080 per year ($257 per month) and ending with the Honda HR-V at $3,626 per year ($302 per month).
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Subaru Crosstrek | Compact | $3,080 | $257 |
Chevrolet Trailblazer | Compact | $3,136 | $261 |
Kia Soul | Compact | $3,256 | $271 |
Nissan Kicks | Compact | $3,282 | $274 |
Honda Passport | Midsize | $3,322 | $277 |
Buick Envision | Compact | $3,342 | $279 |
Toyota Corolla Cross | Compact | $3,360 | $280 |
Hyundai Venue | Compact | $3,386 | $282 |
Mazda CX-5 | Compact | $3,400 | $283 |
Ford Bronco Sport | Compact | $3,416 | $285 |
Volkswagen Tiguan | Compact | $3,450 | $288 |
Nissan Murano | Midsize | $3,504 | $292 |
Buick Encore | Compact | $3,542 | $295 |
Subaru Outback | Midsize | $3,552 | $296 |
Honda CR-V | Compact | $3,556 | $296 |
Buick Envista | Midsize | $3,562 | $297 |
Volkswagen Taos | Compact | $3,570 | $298 |
Kia Niro | Compact | $3,574 | $298 |
Honda HR-V | Compact | $3,626 | $302 |
Subaru Ascent | Midsize | $3,630 | $303 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Detroit, MI Zip Codes. Updated February 22, 2024
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, Nissan Titan, Ford Ranger, Ford Maverick, and Nissan Frontier. Insurance rates for these 2024 models average $337 or less per month.
Other pickups that have affordable insurance rates include the GMC Sierra 2500 HD, Hyundai Santa Cruz, Honda Ridgeline, and Toyota Tacoma, with an average car insurance cost of $4,288 per year or less.
Full-coverage auto insurance for this segment in Detroit for the average driver starts at an average of $297 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 $3,568 per year and ending with the Ram Truck at $4,820 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Chevrolet Colorado | Midsize | $3,568 | $297 |
Nissan Titan | Full-size | $3,900 | $325 |
Nissan Frontier | Midsize | $3,944 | $329 |
Ford Ranger | Midsize | $3,982 | $332 |
Ford Maverick | Midsize | $4,042 | $337 |
Honda Ridgeline | Midsize | $4,136 | $345 |
Hyundai Santa Cruz | Midsize | $4,206 | $351 |
Toyota Tacoma | Midsize | $4,224 | $352 |
GMC Sierra 2500 HD | Heavy Duty | $4,242 | $354 |
GMC Canyon | Midsize | $4,288 | $357 |
Jeep Gladiator | Midsize | $4,394 | $366 |
GMC Sierra 3500 | Heavy Duty | $4,416 | $368 |
Chevrolet Silverado HD 3500 | Heavy Duty | $4,456 | $371 |
Chevrolet Silverado HD 2500 | Heavy Duty | $4,574 | $381 |
GMC Sierra | Full-size | $4,604 | $384 |
Chevrolet Silverado | Full-size | $4,608 | $384 |
Nissan Titan XD | Heavy Duty | $4,608 | $384 |
Ford F150 | Full-size | $4,666 | $389 |
GMC Hummer EV Pickup | Full-size | $4,784 | $399 |
Ram Truck | Full-size | $4,820 | $402 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Detroit, MI Zip Codes. Updated February 23, 2024
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 $3,860 per year, Toyota GR86 at $4,396 per year, Ford Mustang at $4,582 per year, and BMW Z4 at $4,604 per year.
Some other sports cars that have cheaper rates are the Nissan Z, Toyota GR Supra, Lexus RC F, and BMW M2, with average insurance cost of $4,986 per year or less.
Additional cars that make the list include the Porsche 911, BMW M4, Chevrolet Corvette, BMW M3, and Porsche 718, which cost between $4,986 and $7,058 per year for insurance.
From a monthly standpoint, full-coverage auto insurance in Detroit on this segment for a safe driver starts at around $322 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 $322 per month and ending with the Porsche Taycan at $588 per month.
Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $3,860 | $322 |
Toyota GR86 | Sports Car | $4,396 | $366 |
Ford Mustang | Sports Car | $4,582 | $382 |
BMW Z4 | Sports Car | $4,604 | $384 |
Subaru WRX | Sports Car | $4,676 | $390 |
Toyota GR Supra | Sports Car | $4,682 | $390 |
BMW M2 | Sports Car | $4,822 | $402 |
Nissan Z | Sports Car | $4,828 | $402 |
Lexus RC F | Sports Car | $4,928 | $411 |
Subaru BRZ | Sports Car | $4,986 | $416 |
BMW M3 | Sports Car | $5,264 | $439 |
Porsche 718 | Sports Car | $5,368 | $447 |
Chevrolet Camaro | Sports Car | $5,418 | $452 |
Chevrolet Corvette | Sports Car | $5,776 | $481 |
Porsche 911 | Sports Car | $5,974 | $498 |
BMW M4 | Sports Car | $6,222 | $519 |
Lexus LC 500 | Sports Car | $6,254 | $521 |
Jaguar F-Type | Sports Car | $6,578 | $548 |
Mercedes-Benz AMG GT53 | Sports Car | $6,902 | $575 |
Porsche Taycan | Sports Car | $7,058 | $588 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Detroit, MI Zip Codes. Updated February 22, 2024
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 Integra at $3,708 per year, BMW 330i at $4,246 per year, Mercedes-Benz CLA250 at $4,292 per year, and Lexus IS 300 at $4,298 per year.
Other luxury cars that have affordable average insurance rates are the Cadillac CT4, Lexus RC 300, Lexus ES 350, and Genesis G70, with an average cost to insure of $4,384 per year or less.
Car insurance rates in this segment for a safe driver can cost as low as $309 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 Integra at $3,708 per year ($309 per month) and ending with the Audi S3 at $4,676 per year ($390 per month).
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura Integra | Compact | $3,708 | $309 |
BMW 330i | Compact | $4,246 | $354 |
Mercedes-Benz CLA250 | Midsize | $4,292 | $358 |
Lexus IS 300 | Midsize | $4,298 | $358 |
Acura TLX | Compact | $4,314 | $360 |
Lexus ES 350 | Midsize | $4,354 | $363 |
Cadillac CT4 | Compact | $4,356 | $363 |
Genesis G70 | Compact | $4,366 | $364 |
Mercedes-Benz AMG CLA35 | Midsize | $4,374 | $365 |
Lexus RC 300 | Midsize | $4,384 | $365 |
Lexus IS 350 | Compact | $4,388 | $366 |
Jaguar XF | Midsize | $4,412 | $368 |
Cadillac CT5 | Midsize | $4,492 | $374 |
Lexus ES 250 | Midsize | $4,510 | $376 |
Lexus RC 350 | Compact | $4,524 | $377 |
BMW 330e | Compact | $4,526 | $377 |
BMW 228i | Compact | $4,532 | $378 |
BMW 230i | Compact | $4,568 | $381 |
Lexus ES 300h | Midsize | $4,574 | $381 |
Audi S3 | Compact | $4,676 | $390 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Detroit, MI Zip Codes. Updated February 22, 2024
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, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Auto insurance rates for these five models range from $3,486 to $3,934 per year.
Some other luxury SUVs that have cheaper rates include the Lexus NX 350h, Mercedes-Benz GLB 250, Lexus UX 250h, and Lexus NX 450h, with average annual insurance rates of $4,020 per year or less.
Some additional vehicles on the list include the Mercedes-Benz GLA250, Infiniti QX50, Lexus RX 350, and Land Rover Evoque, which average between $4,020 and $4,182 per year for insurance in Detroit.
Full-coverage insurance in Detroit for this segment for an average middle-age driver will start around $291 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 $291 per month and ending with the Lexus NX 350 at $349 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura RDX | Compact | $3,486 | $291 |
Lexus NX 250 | Compact | $3,692 | $308 |
Cadillac XT4 | Compact | $3,766 | $314 |
Jaguar E-Pace | Midsize | $3,898 | $325 |
Cadillac XT5 | Midsize | $3,934 | $328 |
Lexus NX 350h | Compact | $3,934 | $328 |
Lincoln Corsair | Compact | $3,984 | $332 |
Mercedes-Benz GLB 250 | Compact | $3,992 | $333 |
Lexus UX 250h | Compact | $3,996 | $333 |
Lexus NX 450h | Compact | $4,020 | $335 |
Infiniti QX50 | Midsize | $4,054 | $338 |
Mercedes-Benz GLA250 | Compact | $4,056 | $338 |
Mercedes-Benz GLA35 AMG | Compact | $4,078 | $340 |
Cadillac XT6 | Midsize | $4,080 | $340 |
Infiniti QX60 | Midsize | $4,102 | $342 |
Mercedes-Benz AMG GLB35 | Midsize | $4,108 | $342 |
Land Rover Evoque | Compact | $4,162 | $347 |
Acura MDX | Midsize | $4,168 | $347 |
Lexus RX 350 | Midsize | $4,170 | $348 |
Lexus NX 350 | Compact | $4,182 | $349 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Detroit, MI Zip Codes. Updated February 23, 2024
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 $1,234 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 $654 per year over a lower credit rating of 670-739. Conversely, a poor credit rating could cost as much as $759 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 $300 per year for a 40-year-old driver and $588 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 $702 per year on their insurance cost.