Who Has the Cheapest Car Insurance Quotes for Good Students in Detroit?

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For student drivers, one of the more important components that are looked at to help calculate the annual cost of car insurance is your address in Detroit. Areas with more people or higher crime rates tend to pay slightly more, whereas areas with less congestion have the enjoyment of a little cheaper coverage.

The table below rates the highest-priced areas in Michigan for good students to purchase auto insurance in. Detroit is ranked #1 with a yearly premium of $4,813 on average, which is about $401 monthly.

How much does car insurance cost in Detroit, MI?
Rank City Average Per Year
1 Detroit $4,813
2 Dearborn $4,082
3 Southfield $3,980
4 Pontiac $3,639
5 Warren $3,423
6 Flint $3,337
7 Dearborn Heights $3,239
8 Taylor $3,084
9 Sterling Heights $3,044
10 Westland $2,937
11 Farmington Hills $2,758
12 St. Clair Shores $2,736
13 Livonia $2,634
14 Troy $2,614
15 Saginaw $2,583
16 Rochester Hills $2,542
17 Novi $2,464
18 Royal Oak $2,462
19 Lansing $2,439
20 Battle Creek $2,426
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Price information shown is approximated as specific location information can lower or raise rates substantially.

The type of vehicle requiring insurance is one of the main factors when trying to find the cheapest coverage for good students. Vehicles with limited top-end speed, a great safety record, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models.

The list below features coverage costs for a selection of the most budget-friendly vehicles to buy insurance for.

Cheapest Vehicles to Insure in Detroit, MI
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $15,946
Ford Escape XLT 4WD $15,956
Honda Accord EX-L 4-Dr Sedan $16,910
Toyota Prius $17,050
Honda Odyssey LX $17,634
Ford F-150 XL Regular Cab 4WD $17,778
Ford Focus SE 4-Dr Sedan $18,597
Toyota Camry LE $18,742
Toyota RAV4 Sport 4WD $18,752
Volkswagen Jetta S 4-Dr Sedan $18,742
Nissan Altima 2.5 4-Dr Sedan $18,751
Chevrolet Impala LT $18,742
Ford Fusion S 4-Dr Sedan $18,751
Dodge Grand Caravan SXT $18,882
Ford Explorer Limited 4WD $18,889
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Table data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in specific location information which can modify rates noticeably.

Based upon the table data, we can presume that makes and models like the Honda CR-V, Ford Escape, Honda Accord, and Toyota Prius will be a few of the most budget-friendly vehicles to insure for student drivers.

Figuring out which companies offer the cheapest insurance rates for good students will involve more work in order to find the best policy. Every car insurance company uses their own formula to establish rates, so we need to take a look at the insurance companies that tend to be cheaper in Michigan.

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What's the cheapest car insurance in Michigan?
Rank Company Cost Per Year
1 USAA $958
2 GEICO $1,033
3 Safeco $1,037
4 MetLife $1,324
5 MEEMIC $1,394
6 Chubb $1,428
7 Pioneer State Mutual $1,474
8 Hastings Mutual $1,579
9 Frankenmuth $1,645
10 Auto-Owners $1,686
11 SECURA $1,796
12 Progressive $1,923
13 Wolverine Mutual $2,126
14 Allied $2,263
15 Allmerica $2,292
16 Hanover $2,305
17 Grange Mutual $2,322
18 Auto Club Group $2,391
19 Farm Bureau $2,599
20 Nationwide $2,618
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USAA generally has some of the most affordable car insurance rates in Detroit at around $958 each year. This is $1,435 less than the average rate paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and MEEMIC also make the cut as some of the best Detroit, MI insurance companies.

As depicted above, if you currently have a policy with MEEMIC and switched to GEICO, you might achieve an annual savings of roughly $361. Insureds with Chubb could save as much as $395 a year, and Pioneer State Mutual policyholders might lower prices by $441 a year.

Remember that these prices are averages across all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for good students. So the insurer that is most affordable for your situation may not even be in the list above. That points out the importance of why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

Insuring your vehicle with a good quality car insurance company is hard considering how many different companies insure vehicles in Detroit. The information displayed below may help you choose which coverage providers you want to consider comparing rates with. These rankings are only made up of large, nationwide insurance companies, so companies that have a smaller presence are not factored into this list.

Top Insurance Companies for Good Students in Michigan
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

Get discount Detroit auto insurance

Insurance for student drivers in Detroit, MIAuto insurance companies that offer coverage for good students may additionally offer discounts that can reduce rates by as much as 35% or more if you meet specific criteria. Companies and a partial list of their discounts include:

The illustration below visualizes the comparison of car insurance costs with and without discounts. The data is based on a female driver, no claims, a clean driving record, Michigan state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with paid-in-full, good student, continuous coverage, paperless filing, passive restraint, and vehicle safety discounts applied. When drivers qualify for the discounts, theaverage amount saved on insurance for good students is 28% or $1,004.

How to find the cheapest car insurance for good students

The list below summarizes some of the recommended penny-pinching ideas that can help Michigan drivers quote low-cost coverage.

That last tip is certainly critical, as we hit on in the prior information. Prices can change considerably based on profitability, so don't hesitate to switch companies if a better rate can be found.

Many drivers tend to have loyalty to a certain company, but is isn't recommended if that loyalty results in overpaying potentially thousands of dollars a year. Take a few minutes and compare rates and find cheaper insurance for good students in Detroit.