For a 40-year-old driver with a clean record, Detroit car insurance averages about $665 a month ($7,984 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 88% above the Michigan average of $354 a month. Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Detroit table, at about $261 a month.
Detroit has the most expensive car insurance of the 343 Michigan cities and towns we price: our benchmark driver pays about $311 a month more than the Michigan average. Hamtramck and Highland Park, two cities surrounded by Detroit, are next, at about $654 and $600.
Our 25 ZIP codes cover the city itself, from downtown (48226) to the east and west sides. Use them as a benchmark for your neighborhood when you compare car insurance quotes in Detroit, MI, and see our guide to the cheapest car insurance in Michigan for the same insurers across the state.
Cost data comes from the auto rates insurers file with state regulators, priced across all 25 Detroit 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 Detroit averages $7,984 a year, or about $665 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $2,412 a year ($201 a month), and 50/100/50 liability with comprehensive and collision averages $7,711 ($643 a month).
Hanover is far more expensive than the other insurers here: its full-coverage average of about $1,158 a month is 2.1 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 Detroit average would be about $542 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 $122 a month, followed by Hanover and Progressive, effectively tied at $162 and $164.
Full-coverage averages by insurer in Detroit
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 | $1,969 | $164 | $3,265 | $272 |
| Auto-Owners | $1,458 | $122 | $5,352 | $446 |
| State Farm | $4,595 | $383 | $8,105 | $675 |
| Farm Bureau Insurance of Michigan | $2,094 | $175 | $9,304 | $775 |
| Hanover | $1,944 | $162 | $13,892 | $1,158 |
| AAA Auto Club (Nov. 2025 rates)* | $4,858 | $405 | $8,077 | $673 |
| USAA (military families)* | $1,063 | $89 | $2,874 | $240 |
| GEICO* | $1,629 | $136 | $3,137 | $261 |
| Travelers* | $1,199 | $100 | $3,824 | $319 |
| Detroit average | $2,412 | $201 | $7,984 | $665 |
This table uses Detroit ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 25 Detroit ZIP codes we price, full coverage for our driver ranges from about $563 a month in 48217 to $725 in 48205, a gap of $1,949 a year. The lowest-priced ZIP code in our data, 48217, is in southwest Detroit, and the highest, 48205, is on the east side. Downtown’s 48226 averages about $654 a month.
Lowest-priced Detroit ZIP codes
Highest-priced Detroit ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Detroit’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: |
|---|---|---|---|---|---|
| 48201 | $2,477 | $206 | $8,363 | $697 | +5% |
| 48202 | $2,481 | $207 | $8,380 | $698 | +5% |
| 48204 | $2,566 | $214 | $7,977 | $665 | About average |
| 48205 | $2,656 | $221 | $8,699 | $725 | +9% |
| 48206 | $2,574 | $215 | $8,306 | $692 | +4% |
| 48207 | $2,455 | $205 | $8,116 | $676 | +2% |
| 48208 | $2,484 | $207 | $8,103 | $675 | +2% |
| 48209 | $2,137 | $178 | $7,419 | $618 | -7% |
| 48210 | $2,447 | $204 | $8,080 | $673 | +1% |
| 48211 | $2,558 | $213 | $8,273 | $689 | +4% |
| 48213 | $2,702 | $225 | $8,448 | $704 | +6% |
| 48214 | $2,497 | $208 | $8,077 | $673 | +1% |
| 48215 | $2,241 | $187 | $7,566 | $631 | -5% |
| 48216 | $2,292 | $191 | $7,606 | $634 | -5% |
| 48217 | $1,856 | $155 | $6,750 | $563 | -15% |
| 48219 | $2,137 | $178 | $7,370 | $614 | -8% |
| 48221 | $2,181 | $182 | $7,323 | $610 | -8% |
| 48223 | $2,252 | $188 | $7,667 | $639 | -4% |
| 48224 | $2,434 | $203 | $8,113 | $676 | +2% |
| 48226 | $2,276 | $190 | $7,846 | $654 | -2% |
| 48227 | $2,618 | $218 | $8,437 | $703 | +6% |
| 48228 | $2,549 | $212 | $8,150 | $679 | +2% |
| 48234 | $2,527 | $211 | $8,523 | $710 | +7% |
| 48235 | $2,378 | $198 | $7,974 | $665 | About average |
| 48238 | $2,524 | $210 | $8,023 | $669 | +1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $273 a year on average in our Detroit data, with the same $500 deductibles. That’s about $23 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 Detroit ZIP codes, their full-coverage average fell from $10,590 a year nine months earlier to $7,654 in rates as of Aug. 31, 2026, a 27.7% drop. Hanover’s Detroit average fell 46.9% and State Farm’s 6.5%, but Progressive’s rose 45.0% and Auto-Owners’ 1.3%. Excluding Hanover, the other three insurers in both sets of rates averaged 3.2% 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 Detroit 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 18.9%, led by Hanover, which cut its liability-only average 62.2%.
Michigan law bars insurers from basing rates on your ZIP code itself, but it lets them group drivers by territory, under MCL 500.2111, and Detroit’s ZIP codes carry the highest prices in our data: the 17 most expensive of the 480 Michigan ZIP codes we price are all in Detroit. Wayne County averages about $510 a month for full coverage, the highest of the 70 Michigan counties we price, and Detroit is higher still.
The insurer you choose matters even more than where you live. Prices across Detroit’s 25 ZIP codes vary by about $162 a month, while Hanover’s Detroit average is about $886 a month above Progressive’s for the same driver and car. State Farm averages about $675 a month here, and you can see how all the car insurance companies in Michigan compare statewide on our Michigan page.
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.
The suburbs cost less. In our data, Livonia averages about $335 a month for full coverage and Westland $376, while Dearborn, on Detroit’s western border, averages $553. Statewide, the average cost of car insurance in Michigan is about $354 a month for the same driver.
Drivers in Detroit 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 Detroit averages about $665 a month ($7,984 a year) and liability-only coverage at 20/40/10 limits about $201 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 88% above the Michigan average of $354 a month. Without Hanover, the Detroit average is about $542 a month.
Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Detroit table, at about $261 a month, followed by Progressive at $272. USAA, which sells only to military families, is lower still, at about $240 a month. Among the five major insurers we compared, full-coverage averages run from about $272 to $1,158 a month. Progressive’s Detroit average is 39% below Auto-Owners’ ($446), 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 $122 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.
In our data, Detroit full coverage averages about $665 a month, 88% above the Michigan average and the highest of the 343 Michigan cities and towns we price. Insurers can group drivers by territory, and Detroit’s ZIP codes carry the highest prices in our data. One insurer, Hanover, averages about $1,158 a month in Detroit; without Hanover, the city’s average is about $542.
In our data, 48217 has the lowest full-coverage average in Detroit, at about $563 a month, and 48205 the highest, at about $725. The ZIP code table on this page lists all 25.
In our Detroit data, full coverage (100/300/100 with $500 deductibles) averages about $665 a month and liability-only coverage at 20/40/10 limits about $201, a difference of about $464 a month ($5,572 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 Detroit 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 Detroit full-coverage average fell 27.7%, from about $10,590 to $7,654 a year. That’s lower than the Detroit average of $7,984 because it leaves out Farm Bureau. Hanover cut its Detroit average 46.9% and State Farm 6.5%, while Progressive raised its average 45.0% and Auto-Owners 1.3%. Leaving Hanover out, the other three insurers in both sets of rates averaged 3.2% more for full coverage, led by Progressive. Liability-only coverage at 20/40/10 limits fell 18.9%.
For our benchmark driver, full coverage in Detroit averages about $665 a month. Nearby, Dearborn averages about $553, Warren about $463 and Sterling Heights about $428. Dearborn, Warren and Sterling Heights are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
