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Auto Insurance for Detroit Drivers

Here's what you need to know...
  • Because of crime rates in Detroit, auto insurance costs more than the national average
  • Detroit hosts many insurance companies offering competitive rates to win customers’ business
  • While you are not required to have comprehensive or collision on your vehicle, it is a good idea if you want to ensure your car will be covered in case of an accident
Owning a vehicle is critical in Detroit. Having your vehicle properly insured is also crucial to residents of Detroit.

There are many neighborhoods in Detroit that experience high rates of crime.

Vehicle owners who drive into a neighborhood with an under insured or uninsured vehicle may find themselves paying thousands of dollars for repairs.

Enter your zip code above to compare car insurance rates from multiple companies today!

Detroit Auto Insurance Requirements

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Detroit minimum levels of auto insurance are the same levels required by Michigan state law.

Michigan law for auto insurance requires drivers have 20/40/10 coverage. Drivers must have $20,000 in coverage per person for bodily injury claims.

A driver is required to have $40,000 in coverage for the entire accident for bodily injury claims. Drivers must also carry $10,000 in property damage liability insurance for damage to other property when involved in an accident.

Detroit drivers are not required to have comprehensive or collision coverage on their vehicles.

However, it is strongly recommended that drivers who have a vehicle under lease or financing to have additional coverage. 20/40/10 coverage is also the minimum amount of auto insurance that is required.

Drivers can elect to raise their coverage amounts.

While this may increase premiums, it will allow for more coverage in the case of an accident.

Laws in Detroit for Auto Insurance

The state of Michigan utilizes no fault auto coverage. No fault auto insurance was designed to reduce the amount of litigation that occurred after a vehicle accident.

Drivers in Michigan are provided with up to three years of wage benefits when they are involved in an accident.

A driver who has their vehicle damaged in an automobile accident may have their claim fall under no-fault auto insurance as well. However, a driver must purchase a collision and comprehensive auto insurance policy to protect their own vehicle.

Detroit laws require that drivers have the minimum levels of insurance required by the state of Michigan. Drivers also must have all vehicles registered through the secretary of state.

Any driver who is found to be driving a vehicle that is not registered or insured may have their drivers license suspended. Drivers may also have the vehicle impounded until they register or insure the vehicle.

Drivers in Detroit who do not have their vehicle insured and are involved in an auto accident may be personally liable.

A driver can be taken to court and will have to pay court costs as well as a lawyer out of their own money.

An individual who drives his vehicle without having it insured can be fined $500 as well as sentenced to up to one year in jail.

This also applies to anyone who drives a vehicle that they know is uninsured. A driver does not have to own a vehicle to be prosecuted. Compare state coverage levels and make sure you are properly covered.

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Companies Offering Car Insurance in Detroit

Drivers in Detroit qualify to be covered by some national as well as Detroit auto insurance companies.

Many Detroit drivers have policies with companies including Geico, Allstate, Nationwide, Farm Bureau and State Farm. These companies are registered to sell auto insurance in the state of Michigan. L.A. insurance agency has a number of different locations throughout metropolitan Detroit.

Detroit agencies include AAA insurance, Nations insurance agency, Camden insurance agency and Camelot insurance agency. An insurance agency differs from going with an insurance company.

When a driver meets with an insurance broker at an insurance agency they will either be dealing with a captive or independent broker. A captive broker sells insurance for one company; an independent broker sells insurance for several different companies.

Insurance brokers make a commission off of the policies that they sell.

While most insurance brokers are honest and legitimate, there are some insurance brokers who have low ethics. Consumers should always carefully review their policy and ask any questions that they may have.

Average Car Insurance Rates in Detroit

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Detroit has some of the highest automobile insurance rates in the country.

Drivers in the state of Michigan pay an average of over $2,500 annually to insure their vehicles. Many drivers in the city of Detroit pay over $6,000 a year in automobile insurance premiums.

These premiums often only include the minimum amount of coverage by the state. Detroit auto insurance companies pay high rates due to

Detroit Driving and Car Insurance Statistics

AAA has conducted several national surveys about driving and car insurance statistics. Detroit has ranked as the most expensive city in America to insure a vehicle.

A 2010 Chevy Malibu with $100,000/$300,000/$50,000 liability limits as well as comprehensive and collision coverage with a $500 deductible costs $5,948 to insure annually.

Car theft in Detroit increased 83 percent in 2010.

Drivers who have not reviewed their policy or asked for an auto insurance quote recently should strongly consider comparison shopping to see if reduced rates are available.

Detroit Drivers Need to Save Money

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Paying almost $6,000 a year to insure a mid-level sedan with full coverage is ridiculous.

However, drivers will be unable to find out whether they qualify for more affordable car insurance premiums without comparison shopping.

Any driver who has a vehicle in the city of Detroit or the Detroit metropolitan area should ask for a few auto insurance quotes. You would be crazy to not save hundreds of dollars a year on your auto insurance!

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