Cheap Car Insurance in Detroit (December 2025)

Written by Xuyun Zeng and 2 others

Updated Dec 8, 2025

Cheap Car Insurance in Detroit (December 2025)

Tricky roads are the name of the game for Detroit drivers, but some of the risks of driving there necessitate a solid car insurance policy.

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Written by Xuyun Zeng and 2 others

Updated Dec 8, 2025

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.

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 Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Date of Quote	ZIP Code

$80	$955	68	11/12/25	48217
$84	$1,007	42	09/24/25	48223
$105	$1,261	41	06/19/25	48207
$106	$1,277	53	12/06/25	48209
$114	$1,371	69	11/30/25	48221
$114	$1,373	52	09/16/25	48235
$124	$1,485	42	07/10/25	48224
$125	$1,505	50	10/24/25	48224
$128	$1,532	35	06/17/25	48213
$128	$1,535	46	11/24/25	48203

Last Updated Dec. 8, 2025

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 Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$103	$1,237	26	No	09/11/25	48212
$107	$1,285	25	No	11/17/25	48223
$131	$1,570	28	No	09/29/25	48204
$134	$1,603	24	No	11/05/25	48210
$135	$1,626	25	No	09/13/25	48205
$114	$1,373	52		09/16/25	48235
$124	$1,485	42		07/10/25	48224
$125	$1,505	50		10/24/25	48224
$128	$1,532	35		06/17/25	48213
$128	$1,535	46		11/24/25	48203

Last Updated Dec. 8, 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 Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$90	$1,079	41	No	11/05/25	48227
$91	$1,096	40	No	07/03/25	48204
$100	$1,195	46	No	06/27/25	48234
$102	$1,223	40	No	06/18/25	48221
$113	$1,359	40	No	06/18/25	48219
$114	$1,373	52		09/16/25	48235
$124	$1,485	42		07/10/25	48224
$125	$1,505	50		10/24/25	48224
$128	$1,532	35		06/17/25	48213
$128	$1,535	46		11/24/25	48203

Last Updated Dec. 5, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$73	$876	67	No	07/31/25	48221
$106	$1,275	68	No	09/30/25	48205
$135	$1,620	55	Yes	11/26/25	48213
$152	$1,827	62	Yes	10/25/25	48221
$157	$1,884	63	Yes	06/26/25	48239
$158	$1,897	59	No	09/09/25	48235
$160	$1,925	56	Yes	09/10/25	48227
$162	$1,939	61	No	08/08/25	48213
$165	$1,981	72	No	06/29/25	48219
$167	$2,001	59	No	08/30/25	48228

Last Updated Dec. 5, 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 Quote	Has Full Coverage	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Date of Quote	Has Full Coverage	ZIP Code

$73	$876	67	07/31/25	No	48221
$90	$1,079	41	11/05/25	No	48227
$91	$1,096	40	07/03/25	No	48204
$100	$1,195	46	06/27/25	No	48234
$102	$1,223	40	06/18/25	No	48221
$106	$1,275	68	09/30/25	No	48205
$113	$1,359	40	06/18/25	No	48219
$117	$1,403	43	08/20/25	No	48228
$122	$1,465	42	06/21/25	No	48210
$123	$1,475	45	07/30/25	No	48221

Last Updated Dec. 5, 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 Accident on Record	Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Policy	ZIP Code

At Fault With No Injury	$83	$998	62	No	04/02/25	48228
At Fault With No Injury	$132	$1,587	48	No	09/20/25	48219
At Fault With No Injury	$136	$1,629	42	Yes	07/21/25	48235
At Fault With No Injury	$165	$1,975	34	No	10/23/25	48235
At Fault With No Injury	$167	$2,004	60	Yes	04/25/25	48228
	$106	$1,275	68	No		48205
	$113	$1,359	40	No		48219
	$117	$1,403	43	No		48228
	$122	$1,465	42	No		48210
	$123	$1,475	45	No		48221

Last Updated Dec. 5, 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 Quote	City, State	ZIP Code

Violation Summary	Monthly Quote	Annual Quote	Age	Date of Quote	ZIP Code

Speeding under 15	$136	$1,629	45	11/01/25	48228
Speeding under 15	$154	$1,845	41	11/07/25	48209
Speeding under 15	$154	$1,848	35	07/24/25	48207
Speeding under 15	$178	$2,134	36	08/27/25	48204
Speeding under 15	$180	$2,165	45	11/22/25	48224
	$106	$1,275	68	09/30/25	48205
	$113	$1,359	40	06/18/25	48219
	$117	$1,403	43	08/20/25	48228
	$122	$1,465	42	06/21/25	48210
	$123	$1,475	45	07/30/25	48221

Last Updated Dec. 9, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

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Our experts

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.

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 $89 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.