Who Has Affordable Auto Insurance Rates for Inexperienced Drivers in Detroit?

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.

Cheapest Vehicles to Insure in Detroit, MI
Vehicle Estimated Cost for Full Coverage
Toyota Prius $4,666
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.

How much does car insurance cost in Detroit, MI?
Rank City Annual Premium
1 Detroit $5,009
2 Dearborn $4,123
3 Southfield $3,902
4 Pontiac $3,639
5 Warren $3,390
6 Flint $3,371
7 Dearborn Heights $3,239
8 Taylor $3,210
9 Sterling Heights $2,924
10 Westland $2,821
11 Farmington Hills $2,758
12 St. Clair Shores $2,736
13 Livonia $2,634
14 Rochester Hills $2,567
15 Royal Oak $2,537
16 Troy $2,536
17 Novi $2,514
18 Saginaw $2,507
19 Lansing $2,439
20 Battle Creek $2,426
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Annual rates are approximated as specific location information can lower or raise rates substantially.

Get discount Detroit auto insurance

Cheaper Detroit, MI auto insurance for new driversAuto 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:

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

  1. The Hartford
  2. Progressive
  3. State Farm
  4. Farmers Insurance
  5. Safeco Insurance
  6. USAA
  7. GEICO
  8. 21st Century
  9. Liberty Mutual
  10. 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.

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.