Between Detroit’s extensive freeway network, unique highway names, the nearby Canadian border crossing and winter weather, you’re sure to need proper car insurance if you’re living in Detroit. You may also want to learn about the Michigan left if you’re new to the city. 

Proper car insurance coverage is a must-have in Detroit to keep your finances and your car protected. To help you start shopping, we’ve gathered quotes from real Jerry customers in Detroit to show you how various factors like driving history, location, age and coverage needs will impact your cost.

Cheapest minimum coverage insurance in Detroit

Michigan has no-fault insurance and you are required to have three coverages:

• Personal injury protection (PIP).
• Property protection insurance (PPI).
• Residual liability insurance (RLI).

PIP protects you if you get hurt in an accident. By default, you’ll get unlimited PIP medical coverage unless you select one of the other medical coverage limits:

• No PIP medical coverage (available under certain conditions).
• $50,000, $250,000 with exclusions (per person per accident, available under certain conditions).
• $250,000 per person per accident, $500,000 per person per accident or unlimited coverage.

PPI will pay up to $1 million for damage your vehicle causes in Michigan to other people’s property.

Finally, the minimum levels of RLI you can get are:

• $50,000 for bodily injury to a person in an accident.
• $100,000 per accident involving bodily injury to several people.
• $10,000 for property damage in another state.

By default, you will get coverage of $250,000/$500,000/$10,000 unless you choose otherwise.

Here are some of the cheapest quotes Jerry customers received for state minimum coverage in Detroit.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Detroit

Detroit gets cold, icy, snowy winters, and wildlife collisions are common across the state. There were 58,000 collisions involving deer in Michigan in 2023, according to Michigan State Police. The minimum coverage may not help in incidents involving animals or if your car is damaged by hazardous weather, but full coverage could.

These are some of the cheapest quotes drivers have received for full coverage in Detroit.

Cheapest car insurance for young drivers in Detroit (18-29 years old)

Young Detroit drivers may be subject to higher rates, as insurers often view their lack of experience as a risk, but that doesn’t mean you can’t find affordable insurance.

Here are the cheapest quotes that Jerry customers between 18 and 29 years old have received in Detroit.

Cheapest car insurance for mature drivers in Detroit (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Cheapest car insurance for drivers with clean records in Detroit

Detroit drivers with spotless records may be able to get some of the most affordable policies. Here are real quotes from Jerry customers with clean driving records in Detroit.

Cheapest car insurance for drivers with at-fault accidents in Detroit

Cheapest car insurance for drivers with speeding tickets in Detroit

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.