How Much is Car Insurance in Detroit, MI?
Detroit drivers pay an average car insurance rate of $478 per month for full coverage. This rate is considerably higher than the average of both the national average ($140) and the state of Michigan ($192). Michigan saw major auto insurance reform in 2019. These changes made car insurance options more affordable, but Michigan and particularly the city of Detroit still have high premiums.
The state-required minimum liability car insurance in Detroit is also exceedingly high. On average, motorists in Motor City will pay $356 per month for this basic liability coverage that includes bodily injury/death liability and property damage liability (there is also a property protection liability of $1 million). Also included is Personal Injury Protection (in varying amounts), although Michigan drivers can now opt out of PIP if they have some other health insurance that will cover their injuries from a car crash.
Full coverage car insurance consists of liability, collision auto insurance and comprehensive car insurance. Drivers who have a leased or financed vehicle will most likely be required by their lender to carry full coverage. Other drivers purchase it because it offers greater financial protection.