For a 40-year-old driver with a clean record, Dearborn car insurance averages about $553 a month ($6,632 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 56% above the Michigan average of $354 a month. Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Dearborn table, at about $211 a month.
Dearborn, on Detroit’s western border, is the second-most expensive city in Michigan among those with more than one ZIP code in our data: our benchmark driver pays about $199 a month more than the Michigan average, but about $112 less than in Detroit.
Our data covers four Dearborn ZIP codes. The most expensive is 48120, on the city’s south side next to Detroit, and the least expensive is 48124, in west Dearborn.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Dearborn ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Dearborn averages $6,632 a year, or about $553 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $2,022 a year ($169 a month), and 50/100/50 liability with comprehensive and collision averages $6,408 ($534 a month).
Hanover is far more expensive than the other insurers here: its full-coverage average of about $1,009 a month is 2.3 times the average of the other four. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Hanover, the Dearborn average would be about $439 a month.
The published 2026 statewide Michigan rate studies we reviewed most often rank GEICO cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families. One puts Progressive first, one Travelers and one Auto-Owners. For liability-only coverage at 20/40/10 limits, Auto-Owners has the lowest average among these five insurers, at about $102 a month, followed by Hanover at $139.
Full-coverage averages by insurer in Dearborn
Monthly, for the same driver and car. The AAA Auto Club row in the table isn’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $1,893 | $158 | $2,794 | $233 |
| Auto-Owners | $1,221 | $102 | $4,419 | $368 |
| State Farm | $3,575 | $298 | $6,266 | $522 |
| Farm Bureau Insurance of Michigan | $1,756 | $146 | $7,580 | $632 |
| Hanover | $1,668 | $139 | $12,102 | $1,009 |
| AAA Auto Club (Nov. 2025 rates)* | $4,183 | $349 | $6,300 | $525 |
| USAA (military families)* | $887 | $74 | $2,316 | $193 |
| GEICO* | $1,358 | $113 | $2,529 | $211 |
| Travelers* | $1,000 | $83 | $3,082 | $257 |
| Dearborn average | $2,022 | $169 | $6,632 | $553 |
This table uses Dearborn ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the four Dearborn ZIP codes we price, full coverage for our driver ranges from about $494 a month in 48124 to $599 in 48120, a gap of $1,261 a year.
Lowest-priced Dearborn ZIP codes
Highest-priced Dearborn ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Dearborn’s average.
| ZIP Code: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 48120 | $2,171 | $181 | $7,191 | $599 | +8% |
| 48124 | $1,718 | $143 | $5,930 | $494 | -11% |
| 48126 | $2,245 | $187 | $6,884 | $574 | +4% |
| 48128 | $1,956 | $163 | $6,524 | $544 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $224 a year on average in our Dearborn data, with the same $500 deductibles. That’s about $19 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
It depends on the insurer. Comparing the four insurers that are in both sets of rates, in the same Dearborn ZIP codes, their full-coverage average fell from $7,800 a year nine months earlier to $6,395 in rates as of Aug. 31, 2026, an 18.0% drop. Hanover’s Dearborn average fell 32.3% and State Farm’s 6.1%, but Progressive’s rose 24.1% and Auto-Owners’ 0.8%. Excluding Hanover, the other three insurers in both sets of rates averaged 1.2% higher for full coverage, with Progressive highest. Farm Bureau is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Dearborn average above. AAA Auto Club’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/10 limits fell 10.7%, led by Hanover, which cut its liability-only average 53.2%.
Dearborn is in Wayne County, which averages about $510 a month for full coverage in our data, the highest of the 70 Michigan counties we price. Its neighbors are expensive too: Dearborn Heights averages about $433 a month and Allen Park $434.
Liability-only coverage costs about $169 a month here at 20/40/10 limits, nearly double the Michigan average of $87. Michigan insurers can group drivers by territory, so where you keep your car can move your price even though the law bars rating by ZIP code itself.
More Michigan cities and towns are in the Michigan rates by city table, and you can compare states on our car insurance rates by state page.
Livonia, about 10 miles west, averages about $335 a month and Westland $376, so prices drop quickly west of Dearborn. Detroit averages $665.
Drivers in Dearborn follow Michigan’s no-fault rules. Every policy must include:
If you don’t choose a PIP medical level, your policy includes unlimited PIP medical coverage, according to the Michigan Department of Insurance and Financial Services. You can show proof of insurance on your phone, under MCL 257.328. Our Michigan requirements guide covers the PIP choices, the mini-tort rule and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Michigan law and the Michigan Department of Insurance and Financial Services. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Dearborn averages about $553 a month ($6,632 a year) and liability-only coverage at 20/40/10 limits about $169 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 56% above the Michigan average of $354 a month. Without Hanover, the Dearborn average is about $439 a month.
Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Dearborn table, at about $211 a month, followed by Progressive at $233. USAA, which sells only to military families, is lower still, at about $193 a month. Among the five major insurers we compared, full-coverage averages run from about $233 to $1,009 a month. Progressive’s Dearborn average is 37% below Auto-Owners’ ($368), a lead wide enough that we show the range instead of naming a single cheapest insurer. For liability-only coverage at 20/40/10 limits, Auto-Owners has the lowest average among the five major insurers we compared, at about $102 a month. GEICO’s figure is priced from published 2026 Michigan rate studies and scaled to our benchmark driver. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Dearborn full coverage averages about $553 a month and Detroit about $665, a difference of about $112 a month for the same driver and car.
In our data, 48124 has the lowest full-coverage average in Dearborn, at about $494 a month, and 48120 the highest, at about $599. The ZIP code table on this page lists all four.
In our Dearborn data, full coverage (100/300/100 with $500 deductibles) averages about $553 a month and liability-only coverage at 20/40/10 limits about $169, a difference of about $384 a month ($4,610 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Michigan law doesn’t require full coverage, but a lender or leasing company may.
Every policy in Dearborn must include personal injury protection, property protection insurance of up to $1 million and bodily injury liability of $250,000 per person and $500,000 per crash, unless you sign a form choosing lower limits of at least $50,000 and $100,000, plus $10,000 in property damage liability for crashes in other states. If you don’t choose a PIP medical level, you get unlimited coverage.
It depends on the insurer. Comparing the four insurers in both sets of rates (Farm Bureau is new over the past nine months), their Dearborn full-coverage average fell 18.0%, from about $7,800 to $6,395 a year. That’s lower than the Dearborn average of $6,632 because it leaves out Farm Bureau. Hanover cut its Dearborn average 32.3% and State Farm 6.1%, while Progressive raised its average 24.1% and Auto-Owners 0.8%. Leaving Hanover out, the other three insurers in both sets of rates averaged 1.2% more for full coverage, led by Progressive. Liability-only coverage at 20/40/10 limits fell 10.7%.
For our benchmark driver, full coverage in Dearborn averages about $553 a month. Nearby, Detroit averages about $665, Westland about $376 and Livonia about $335. Westland and Livonia are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
