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Last updated: September 17, 2025Best Cheap Car Insurance in Detroit
Chubb, USAA, GEICO, Auto-Owners, and Nationwide are our top picks for car insurance in Detroit.
Cheapest
Editor's Rating: 4.8/5
Average Cost in Detroit
- Full Coverage Monthly: $147
- Minimum Coverage Monthly: $65
Best for Military
Editor's Rating: 5/5
Average Cost in Detroit
- Full Coverage Monthly: $167
- Minimum Coverage Monthly: $69
Best for Discounts
Editor's Rating: 4.2/5
Average Cost in Detroit
- Full Coverage Monthly: $198
- Minimum Coverage Monthly: $116
Table of Contents
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Key Takeaways
- On average, auto insurance rates in Detroit are significantly higher than both the national and state averages. Full coverage in Detroit averages $4,716 annually, while minimum coverage averages $2,336.
- Michigan has some of the highest auto insurance rates in the U.S., due to its high coverage limits and no-fault laws, among other factors.
- Chubb, USAA and Auto-Owners have the lowest average auto insurance rates in Detroit. They also have strong third-party customer satisfaction scores.
- There’s no one-size-fits-all when it comes to auto insurance; your rates will depend on your driving history, vehicle, coverage and other factors. We recommend comparing quotes from at least three providers to ensure the lowest possible rates.
Our Top Picks for the Best Cheap Auto Insurance in Detroit
- Cheapest: Chubb
- Best for Military/Veterans: USAA
- Best for Young Drivers: GEICO
- Best for Minimum Coverage: Auto-Owners
- Best for Customer Satisfaction: Nationwide
Compare the Best Cheap Auto Insurance in Detroit
| Company | Full coverage annual average | Minimum coverage annual average | North Central customer satisfaction (J.D. Power) |
|---|---|---|---|
| Chubb | $1,769 | $775 | Not rated |
| USAA | $2,007 | $828 | Above average |
| GEICO | $2,375 | $1,396 | Above average |
| Auto-Owners | $2,740 | $920 | Below average |
| Nationwide | Data unavailable | Data unavailable | Above average |
| Detroit | $4,716 | $2,336 | – |
Detailed List of the Best Cheap Providers in Detroit
1. Cheapest - Chubb
What We Like Most:
- Cheapest Detroit rates on average
- Specialized insurance for luxury and high-end vehicles
- Pays for OEM (Original Equipment Manufacturer) replacement parts after a covered accident
Why we chose it
According to our analysis, Chubb has the cheapest rates for full and minimum coverage in Detroit. Although it isn’t included in the J.D Power customer satisfaction surveys, it scores impressively high on the CRASH Network Insurer Report Card study (second out of 97 providers), indicating its claims process experience is well above average.
Who it’s best for
Chubb is best for customers who are looking for cheap premiums in Detroit. Chubb’s wide array of unique coverage types, including gap insurance and classic-car insurance, also make it great for drivers who are looking to add multiple coverage types to their policy.
Chubb Detroit Pricing
| Chubb | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $147 | $65 |
| Annually | $1,769 | $775 |
| Difference from Detroit average | -62% | -67% |
2. Best for Military/Veterans - USAA
What We Like Most:
- Coverage designed with military needs in mind
- Excellent, personable customer service
- Affordable rates
Why we chose it
USAA is a nationally available auto insurance provider that has existed for over 100 years. After Chubb, it offers the second-cheapest auto insurance rates for both full and minimum coverage in Detroit. It’s known for offering lower-than-average premiums across all driver profiles, including those with speeding tickets, at-fault accidents, and less-than-stellar credit scores.
Who it’s best for
Drivers in the military or veteran community (including spouses and children of members) who are looking for low auto insurance rates and strong customer service. USAA is available only to military members and their families.
USAA Detroit Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $167 | $69 |
| Annually | $2,007 | $828 |
| Difference from Detroit average | -57% | -65% |
3. Best for Young Drivers - GEICO
Why we chose it
Like USAA and Chubb, GEICO offers some of the most competitive auto insurance rates in Detroit for both full and minimum coverage. It also has the cheapest average rates in Michigan for households with teen drivers. GEICO scored above average in the North Central region on J.D. Power’s customer satisfaction survey, and it offers plentiful discounts and strong online service.
Who it’s best for
GEICO is a good option for Detroit drivers who value cheap rates and enjoy managing their policies online. On the other hand, drivers who prefer to work with a local agent will likely find Auto-Owners, Chubb, or Nationwide a better fit. GEICO offers discounts for good students, safe drivers, military members, and federal employees.
>>Related: Learn more about how GEICO compares to USAA.
GEICO Detroit Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $198 | $116 |
| Annually | $2,375 | $1,396 |
| Difference from Detroit average | -50% | -40% |
4. Best for Minimum Coverage - Auto-Owners
What We Like Most:
- Headquartered in Michigan
- Offers gap insurance
- Competitive rates for high-risk drivers in Michigan
Why we chose it
Headquartered in Lansing, Auto-Owners full and minimum coverage rates below the Detroit average. For minimum coverage, its rates are cheapest after Chubb and USAA. While Auto-Owners ranked slightly below average in the North Central region for customer satisfaction, it received fewer complaints than average according to the NAIC and it was awarded a B on the CRASH Network Insurer Report Card (14th out of 97 providers).
Who it’s best for
Auto-Owners is a good match for drivers who value both low premiums and strong customer service. Like Chubb, Auto-Owners is great for drivers who are searching for more specialized forms of coverage, including gap insurance and accident forgiveness. Auto-Owners also offers lower-than-average rates in Michigan for teens, as well as drivers with a speeding ticket, accident, or DUI on their records. Note that you must get a quote with an independent agent; so Auto-Owners is best for drivers who aren’t planning to shop fully online.
Auto-Owners Detroit Pricing
| Auto-Owners | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $228 | $77 |
| Annually | $2,740 | $920 |
| Difference from Detroit average | -42% | -61% |
5. Best for Customer Satisfaction - Nationwide
What We Like Most:
- Highly rated customer satisfaction in the North Central region
- Good for safe drivers
- Offers usage-based insurance
Why we chose it
Although its Detroit pricing data is unavailable, Nationwide is known nationally for its lower-than-average rates. It ranked second-highest after Erie in the North Central region on J.D. Power’s customer satisfaction survey (USAA scored even higher, but technically doesn’t qualify to rank) and it ranked in the top five nationally on the claims satisfaction study. The company’s pay-per-mile program, Nationwide SmartMiles, is a great way for infrequent drivers to keep their premiums as low as possible.
Who it’s best for
Nationwide is a good fit for Detroit drivers who value excellent customer service and want to maximize their savings through a variety of discounts. It’s also a good choice for low mileage drivers (typically less than 8,000 miles annually), such as remote workers, retirees, and households with a second car driven less frequently.
Detroit Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – North Central1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| Chubb | Not rated | A | Not rated | 0.48 |
| USAA | 728 | D+ | 726 | 1.22 |
| GEICO | 651 | C- | 692 | 1.95 |
| Auto-Owners | 631 | B | 692 | 0.93 |
| Nationwide | 674 | C | 728 | 0.90 |
| Average | 643 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.
Cheapest Full Coverage Car Insurance in Detroit
Chubb offers the cheapest full coverage auto insurance in Detroit, with an average annual policy cost of $1,769 — 62 percent less than the citywide average of $4,716. After Chubb, USAA has the next-cheapest full coverage; its average annual rate of $2,007 is 57 percent less than the citywide average.
It’s not just Detroit’s premiums that are higher than the national average. Michigan’s average full coverage rate is $2,688 per year — about 12 percent higher than the national average. Learn more about why car insurance in Michigan is so expensive.
| Company | Annual full coverage | Monthly full coverage |
|---|---|---|
| Chubb | $1,769 | $147 |
| USAA | $2,007 | $167 |
| GEICO | $2,375 | $198 |
| Auto-Owners | $2,740 | $228 |
| Progressive | $2,948 | $246 |
| Travelers | $3,902 | $325 |
| Farm Bureau | $5,058 | $422 |
| State Farm | $5,966 | $497 |
| Detroit average | $4,716 | $393 |
| Michigan average | $2,688 | $224 |
| National average | $2,399 | $200 |
Cheapest Minimum Coverage Car Insurance in Detroit
Chubb offers the cheapest minimum coverage auto insurance in Detroit, with an average annual policy cost of $775 — 67 percent lower than the citywide average of $2,336. USAA offers the second-lowest minimum coverage rate; its average annual cost of $828 is 65 percent less than the citywide average.
| Company | Annual minimum coverage | Monthly minimum coverage |
|---|---|---|
| Chubb | $775 | $65 |
| USAA | $828 | $69 |
| Auto-Owners | $920 | $77 |
| Travelers | $1,352 | $113 |
| GEICO | $1,396 | $116 |
| Progressive | $1,698 | $142 |
| Farm Bureau | $2,172 | $181 |
| State Farm | $3,563 | $297 |
| Detroit average | $2,336 | $195 |
| Michigan average | $1,088 | $91 |
| National average | $635 | $53 |
How Many Car Accidents Happen in Detroit?
In 2023, there were close to 228,000 road accidents in Detroit, and over 1,000 of these accidents were fatal. In 2022, the Detroit car accident fatality rate per capita was among the highest of major U.S. cities.5
DRIVE SAFELY:
Between 2019 and 2023, the intersection of Livernois Avenue and Davison Street was statistically the most dangerous in Detroit, with an average of almost 55 crashes per year.6 The most dangerous intersections in the city typically have narrow lanes, multiple left-turn lanes, and both commercial and residential traffic. Always stay vigilant and avoid the dangers of distracted driving to minimize your chances of being involved in a collision.
Minimum Auto Insurance Requirements in Detroit
Michigan is a no-fault state. This means that if you’re involved in an accident, your insurance is responsible for covering the cost of your injuries or property damage, no matter which driver was at fault.
Compared with other states, Michigan has fairly high minimum coverage limits:7
- Bodily injury liability: $50,000 per person / $100,000 per accident8
- Property damage liability: $10,000 per accident
- Property protection: $1 million within Michigan
- Personal injury protection (PIP): $250,000 (minimum limits are lower for those on Medicaid and Medicare)
FYI:
Driving without insurance in Michigan can lead to a fine of up to $500 and up to one year in prison. Learn more about the consequences of driving without insurance in Michigan.
Frequently Asked Questions
What is the cheapest car insurance in Detroit?
Chubb offers the most affordable full and minimum coverage in Detroit, with average annual rates of $1,769 and $775, respectively. USAA, GEICO, Auto-Owners, Progressive and Travelers also offer full and minimum coverage rates that are cheaper than the citywide average.
Who has the lowest car insurance rates in Michigan?
In Michigan, GEICO has the lowest average rate for full coverage ($1,348 annually or $112 monthly), while USAA has the lowest average rate for minimum coverage ($518 annually or $43 monthly).
On average, GEICO, USAA and Progressive offer some of the cheapest full coverage auto insurance in Michigan. For minimum coverage, USAA, GEICO and Auto-Owners offer some of the lowest rates.
Is Progressive or GEICO cheaper?
On average, GEICO offers lower rates than Progressive, with a national full coverage average of $1,731 per year, or $144 per month. In comparison, Progressive’s national full coverage average is $1,960, or $163 per month. Both insurers’ average rates are lower than the national average.
Bear in mind, however, that the cost of auto insurance varies significantly based on your vehicle, driving history, location and other factors. Learn more about how GEICO compares to Progressive.
Why is car insurance in Detroit so high?
The cost of auto insurance in Detroit is high for several reasons. Michigan’s no-fault insurance systems mean providers typically charge more to cover their losses. The state also has unusually high minimum coverage limits, including PIP, which leads to increased premiums.
Detroit is a high-density urban area, so auto insurance costs are higher due to the increased risk of accidents. Michigan’s extreme weather — including snowstorms, hail and tornadoes — also increases the chance of accidents and raises auto insurance premiums.
Is $200 a month a lot for car insurance?
A rate of $200 a month is the national average cost of full coverage auto insurance. It is higher than the national average cost of minimum coverage car insurance, which is $53 per month. In Michigan, $200 per month is $24 less than the statewide average.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Detroit, Michigan, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person / $300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person / $100,000 per accident
- Property protection: $1 million within Michigan
- PIP: $250,000
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Staff Writer
Kate Romain combines her dedication to research with her love for writing and communications to deliver informative, comprehensive articles for those exploring insurance options. Her years of professional experience in writing and communications have well-equipped her to assist customers get the information they need to make smart insurance choices. Kate has also written for GigWolf, Boston Medical Center, and non-profit Writers Without Margins. She holds a BA in History and Politics and an MA in Creative Writing, both from the University of East Anglia.
Citations
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. NAIC. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmDetroit Car Accident Statistics. Wigod & Falzon. (2025).
https://falzonlaw.com/blog/detroit-car-accident-statistics/The Most Dangerous Intersections for Car Accidents in Detroit. Lee Steinberg Law. (2025, May 06).
https://www.1800leefree.com/blog/the-most-dangerous-intersections-for-car-accidents-in-detroit/Brief Explanation of Michigan No-Fault Insurance. Michigan Department of Insurance and Financial Services. (2025).
https://www.michigan.gov/-/media/Project/Websites/autoinsurance/PDFs/FIS-PUB_0202a.pdfChoosing Bodily Injury Coverage. Michigan Department of Insurance and Financial Services. (2025).
https://www.michigan.gov/autoinsurance/choosing-coverage/choosing-bodily-injury-coverage
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