Who Has Cheap Car Insurance Rates for Infrequent Drivers in Detroit?

The type of vehicle needing coverage is a significant factor when trying to find the best insurance for infrequent drivers. Vehicles with high performance, poor safety features, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models. The next list estimates car insurance costs for some of the cheaper vehicles to buy insurance for.

Cheapest Vehicles to Insure in Detroit, MI
Make and Model Estimated Cost for Full Coverage
Ford Escape Limited 4WD $4,481
Toyota Prius $4,578
Hyundai Elantra GLS Touring Station Wagon $4,735
Honda CR-V LX 4WD $4,745
Honda Accord LX 4-Dr Sedan $4,735
Jeep Grand Cherokee Laredo 4WD $4,891
Honda Odyssey EX-L W/Navigation $5,145
Toyota Corolla XRS $5,242
Jeep Wrangler Sport 4WD 2-Dr $5,250
Dodge Ram 3500 Crew Cab ST 2WD $5,427
Nissan Rogue SL AWD $5,496
Ford Edge SE 2WD $5,561
Toyota Camry Hybrid $5,593
Toyota Tacoma Double Cab 4WD $5,607
Chevrolet Malibu LS $5,616
Toyota RAV4 2WD $5,607
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $5,681
Ford Explorer Eddie Bauer 4WD $5,708
Dodge Ram 2500 Mega Cab SLT 2WD $5,847
Toyota Camry XLE $5,897
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rates do not factor in zip code location which can revise auto insurance rates significantly.

Looking at the rates, we can infer that vehicles like the Ford Escape, Toyota Prius, Hyundai Elantra, Honda CR-V, and Honda Accord are going to be the most economical vehicles to insure for low mileage drivers.

For low mileage drivers, one of the more important factors that are used to help calculate the amount you pay for auto insurance is where you live. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The next table rates the most costly cities in Michigan for infrequent drivers to buy an auto insurance policy in. Detroit is ranked #1 with the yearly price of $5,009 for the average policyholder, which is approximately $417 monthly.

How much does auto insurance cost in Detroit?
Rank City Annual Premium
1 Detroit $5,009
2 Dearborn $4,123
3 Southfield $3,902
4 Pontiac $3,639
5 Flint $3,439
6 Warren $3,390
7 Dearborn Heights $3,239
8 Taylor $3,210
9 Sterling Heights $3,044
10 Westland $2,937
11 St. Clair Shores $2,819
12 Farmington Hills $2,704
13 Livonia $2,688
14 Troy $2,640
15 Rochester Hills $2,567
16 Saginaw $2,507
17 Royal Oak $2,487
18 Novi $2,464
19 Lansing $2,391
20 Battle Creek $2,378
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Table data uses comparative as the specific area where the vehicle is garaged can impact insurance rates significantly.

How violations and accidents impact rates

In a perfect world, the ideal way to get cheap auto insurance rates in Michigan for low mileage drivers is to be a safe driver and avoid tickets and accidents. The example below illustrates how speeding tickets and at-fault collisions can impact insurance costs for each age group. The information is based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

In the previous example, the average cost of a car insurance policy in Detroit per year with no accidents and a clean driving record is $4,994. Get two speeding tickets and the average cost jumps to $6,735, an increase of $1,741 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for infrequent drivers increases to an average of $12,968. That’s an increase of $7,974, or $665 per month, just for not driving carefully!

Selecting the highest-rated insurer can be challenging considering how many choices you have in Detroit. The ranking information in the lists below can help you decide which providers you want to consider when trying to find cheaper insurance for infrequent drivers.

The rankings below are for companies with a nationwide focus, so companies that only write business in Michigan or surrounding areas are not included in the list. If you wish to compare rates from these and other companies in Michigan, follow this link.

Top 10 Major Car Insurance Companies in Detroit Ranked by Claims Service

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

The chart below illustrates how choosing a deductible can raise or lower insurance rates when trying to find cheap insurance for infrequent drivers. Data assumes a single male driver, full physical damage coverage, and no other discounts are factored in.

The data above shows that a 40-year-old driver could pocket $770 a year by switching from a $100 deductible to a $500 deductible, or save $1,158 by using a $1,000 deductible. Young drivers, like the 20-year-old category, can save $2,562 every year by choosing larger deductibles on their policy. When using a larger deductible, it will be important to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

How to find cheaper auto insurance for infrequent drivers

It is possible to find better rates, and here are a few thrifty ideas that can help Detroit drivers quote cheap auto insurance.

The last idea is certainly significant, as we emphasized in the prior article. Insurance prices can be modified anytime, so don’t be tentative to change insurance companies if a cheaper price is available. Many drivers prefer to stick with one company, but it isn’t a good idea if that dedication is costing major coinage every year. Take a couple minutes and compare rates to find cheaper insurance for infrequent drivers in Detroit.

The Detroit auto insurance agencies shown below can probably help you make a decision which coverages are best, as many consumers aren’t sure which coverage to buy and prefer to have some advice when shopping for cheaper insurance for infrequent drivers. It can be difficult to find the best rates on your own, so professional agents can provide satisfaction knowing your policy gives you adequate asset protection. To find an agent close to you, click the button below the list.

Michigan Basic Property Insurance
3245 E Jefferson AveDetroit, MI 48207(313) 877-7400

C B Irwin Insurance
2357 W Grand BlvdDetroit, MI 48208(313) 894-2144

J Healan Baker Insurance
645 Griswold St # 2015Detroit, MI 48226(313) 963-0480

22824 John R RdHazel Park, MI 48030(248) 398-5200

Dave Gilead Insurance Agency
18323 W McNichols RdDetroit, MI 48219(313) 533-3220

More Detroit, MI insurance agents