Car Insurance in Detroit

Having car insurance in Detroit protects you from paying 100% of the costs related to a collision or other losses involving your vehicle.

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Getting Around the Motor City

With over 600,000 residents in its city limits and over 4 million people in the greater metropolitan area, you can imagine the amount of driving that happens around Detroit, Michigan. Detroit is nicknamed the "Motor City" because the three largest American auto manufacturers, General Motors, Ford and Stellantis North America (formerly Chrysler), are headquartered here.

Having car insurance in Detroit isn't just about the city's automotive legacy. Detroit ranks among the top 10 cities in the nation for fatalities related to speeding. Motoring in the Motor City calls for auto insurance and VIU by HUB can help you find a policy that works.

Understanding the Need for Car Insurance in Detroit

Car insurance is critical in Detroit for these reasons:

High accident rate: Detroit has one of the highest rates of collisions, compared to other cities in the United States. In 2020, Detroit had the second-highest number of crash-related fatalities among large cities and the third-highest rate of pedestrian fatalities.
Limited public transportation: Although there is an elevated people mover downtown, public transit in Detroit proper is provided by buses. In suburban areas, public transit is rarely used and most people drive their own cars.
Weather: Detroit experiences frequent thunderstorms in the spring and summer. It also sees significant snowfall during the winter. Extreme weather events also make driving conditions especially hazardous.

Additionally, Michigan is also a no-fault insurance state, meaning that your insurance company covers your damages, regardless of who is at fault in an accident. Having adequate coverage is crucial for protecting yourself and your passengers. If you are at fault, you could be sued for medical bills, property damage and even death. Car insurance helps protect you from these financial liabilities.

Exploring and Paying for Car Insurance in Detroit

Michiganders are required by law to have these minimum insurance coverages:

Personal injury protection: This covers your medical bills and lost income due to injuries sustained in a collision.
Property protection: This covers up to $1 million in damage to other properties, including buildings, other vehicles and objects.
Residual bodily injury and property damage liability: This covers any liabilities you have for an accident resulting in injuries, property damage and death. You must have at least $20,000 per person injured or killed, $40,000 per accident and $10,000 for damage caused by your vehicle.

These minimum requirements may not be enough to protect you in the event of a serious accident. Consider these additional coverages available with car insurance policies in Michigan:

Collision coverage: Pays for repairs to your own vehicle if it is damaged in a collision with another vehicle or object
Comprehensive coverage: Handles repairs to your own vehicle if it is damaged from theft, vandalism or other events not covered by collision coverage
Uninsured/underinsured motorist coverage: Covers your medical expenses and other losses if you are hit by a driver who does not have insurance or has too little insurance

Other benefits include rental car reimbursement, towing costs and gap insurance. It's important to consider every available benefit when shopping for a policy.

Car insurance in Detroit averages around $4,300 per year for minimum and $9,600 per year for full coverage. These values are over 500% and 380% of their respective national averages. What you pay is influenced by several factors, including your age, driving record, coverage limits, deductibles and vehicle make/model.