Car Insurance in Detroit
Figures were refreshed on
Michigan averages used for car insurance in Detroit, plus how people there drive.
- $149Monthly average for full coverage in Michigan.
- state minimum limits: 50/100/10.
How much Detroit-area drivers pay
In Michigan, full coverage runs $1,791 a year on average, and the legal minimum runs $831. In a big city, prices are usually above the state average because of heavier traffic, more claims and increased theft.
| Coverage in Michigan | Per year | Per month |
|---|---|---|
| Liability | $831 | $69 |
| Collision | $658 | $55 |
| Comprehensive | $303 | $25 |
| Full coverage (all three) | $1,791 | $149 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Detroit driving
| Census figure | Detroit |
|---|---|
| People | 638,530 |
| Average trip to work | 25 minutes |
| Drive to work alone | 66% |
| Homes with no car | 20% |
| Median household income | $39,938 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
Your personal estimate
The Michigan cost calculator prices your age, record and car. The rules for the state are in Michigan car insurance requirements.
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