The vehicle model to be insured is one of the largest factors that determines whether or not you find low-cost coverage for inexperienced drivers. Vehicles with more horsepower, poor safety features, or a track record of large liability claims will cost substantially more to insure than more modest models. The list below outlines insurance costs for a selection of the cheaper automobiles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$4,932|
|Chevrolet Malibu LS||$4,992|
|Toyota Tacoma Double Cab 4WD||$5,002|
|Toyota RAV4 2WD||$4,992|
|Honda Civic LX 4-Dr Sedan||$5,151|
|Hyundai Elantra GLS Touring Station Wagon||$5,170|
|Ford Escape XLT 4WD||$5,291|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$5,314|
|Nissan Altima Hybrid 4-Dr Sedan||$5,342|
|Chevrolet Silverado LT Extended Cab 2WD||$5,351|
|Toyota Camry Hybrid||$5,701|
|Chevrolet Impala LT||$5,720|
|Toyota Camry LE||$5,730|
|Ford Explorer XLT 2WD||$5,790|
|Dodge Grand Caravan Crew||$5,827|
|Ford Edge Sport 2WD||$6,018|
|Toyota Corolla XLE||$6,028|
|Dodge Ram 2500 Mega Cab SLT 2WD||$6,060|
|Jeep Grand Cherokee Laredo 2WD||$6,116|
|Chevrolet Equinox LTZ AWD||$6,125|
|GMC Sierra SLT Extended Cab 4WD||$6,135|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$6,125|
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in vehicle garaging location which can revise coverage prices considerably.
Based on these rates, vehicles like the Toyota Prius, Honda CR-V, Chevrolet Malibu, and Toyota Tacoma are likely to be a few of the cheapest vehicles to insure for new drivers.
One of the more important considerations that are used to help calculate the amount you pay each year for auto insurance is where you keep your car. Areas with more people or higher crime rates tend to pay slightly more, whereas less populated areas have the benefit of cheaper auto insurance prices.
The table below ranks the most expensive places in Michigan for inexperienced drivers to purchase auto insurance in. Detroit is ranked at #1 with the yearly price of $5,009 for the average insurance policy, which is about $417 monthly.
|12||St. Clair Shores||$2,736|
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Annual rates are approximated as specific location information can lower or raise rates substantially.
Get discount Detroit auto insurance
Auto insurance companies that offer quotes for inexperienced drivers may also offer premium discounts that can lower rates by as much as 35% if you meet specific eligibility requirements. A list of auto insurance companies and a summarized list of policyholder discounts include:
- Progressive may have discounts that include homeowner, multi-policy, continuous coverage, online quote discount, online signing, and good student.
- Farmers Insurance offers premium reductions for homeowner, teen driver, multi-car, switch companies, early shopping, and youthful driver.
- Farm Bureau may include discounts for youthful driver, safe driver, renewal discount, good student, multi-vehicle, and driver training.
- State Farm offers discounts including good student, driver’s education, good driver, multiple policy, multiple autos, anti-theft, and safe vehicle.
- GEICO has savings for military active duty, federal employee, membership and employees, defensive driver, and anti-lock brakes.
- SAFECO has discounts for bundle discounts, accident prevention training, teen safe driver, safe driver, multi-car, and homeowner.
- Liberty Mutual may offer discounts for multi-car, new graduate, new move discount, new vehicle discount, preferred payment discount, and teen driver discount.
The diagram below illustrates the difference between auto insurance rates with and without discounts applied to the rates. The rates are based on a female driver, no claims or violations, Michigan state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, anti-theft, claim-free, passive restraint, marriage, and accident-free discounts applied. When drivers take advantage of discounts, theaverage amount saved on auto insurance for inexperienced drivers is 28% or $936.
Which auto insurance company is best in Michigan?
Finding the highest-rated auto insurance company is difficult considering how many companies there are in Detroit. The company rank data shown next may help you select which coverage providers to look at when looking for cheaper rates. The ratings below only include the largest companies in the United States, so smaller regional companies are not included in this list.
Top 10 Large Auto Insurance Companies Overall in Detroit
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
- 21st Century
- Liberty Mutual
- AAA Insurance
The example below illustrates how your deductible choice can influence yearly insurance costs when quoting cheap insurance for inexperienced drivers. The data assumes a single female driver, comp and collision included, and no additional discounts are factored in.
The data above shows that a 50-year-old driver could lower their car insurance rates by $548 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $828 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old example, could possibly save up to $1,388 annually by using higher deductibles when buying full coverage.
When raising deductibles, it is necessary to have spare funds to be able to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
How to find cheaper insurance for inexperienced drivers
Lowering your rates is not difficult, and here are a few money-saving ideas that can help Detroit drivers locate lower-cost car insurance.
- Do not pay for comprehensive and collision coverage on older vehicles
- Higher comprehensive and collision coverage deductibles will save money
- Drivers with good credit ratings often pay less
- Buy vehicles with good safety ratings
- Save money by observing traffic laws and speed limits
- Staying accident-free helps keep rates low
- Compare prices frequently to find the best deal
That last piece of advice is particularly vital, as we discussed in the prior information. Auto insurance rates can be changed at any time, so drivers shouldn’t be resistant to change to a new company if a cheaper rate is available.
We understand brand loyalty, but is isn’t recommended if that stubbornness costs you potentially thousands of dollars a year. Take a few minutes and compare prices and find cheaper car insurance for inexperienced drivers in Detroit.