Every state, including Michigan, has minimum car insurance coverage requirements that you must meet to drive legally. NerdWallet has found average car insurance rates in Detroit for a variety of types of drivers to begin your search. It's important to note that Michigan's auto reform legislation restricts the factors that auto insurers can use to determine how much you pay for insurance. One of the best ways for teens to save on car insurance is to share a policy with an older family member.
As long as young drivers maintain a clean driving record, the cost of car insurance will steadily decline each year until age 25, when rates will stabilize. Every driver will find different rates depending on their driving history, where they live, and the type of car they drive, so the only way to ensure that you're paying the best price is to get quotes from several insurance companies. Carol Pope is an insurance writer for Bankrate and, before joining the team, she worked as an auto insurance agent for 12 years. The average cost of car insurance in Detroit is based on a comparison of thousands of quotes from Michigan's largest insurance companies.
Like drivers in most states, Michigan drivers must have at least a minimum amount of car insurance. Adding a teen driver to your policy could increase your insurance costs, so you might want to look into low-cost auto insurance options in Michigan for teenage drivers. For example, you might pay more for car insurance if you live near a busy road or in an area with a lot of car thefts. Insurers use a variety of factors to determine the cost of car insurance, such as your age, address, the type of car you drive and your driving history, which means that, ultimately, each driver will receive a different rate.
To help you search for the cheapest auto insurance companies in Michigan, Bankrate analyzed the average car insurance rates of various companies based on a variety of situations.