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Why is car insurance so expensive in Detroit?
I just moved back to Detroit to be closer to my family, but I must have been gone for a really long time because I don’t remember my insurance rates being this high before. Why is car insurance so expensive in Detroit?
Mariza Morin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Unfortunately, car insurance rates can drastically change depending on your new zip code. Here’s why car insurance is so expensive in
Detroit
:- High crime rate: Detroit-area car thefts are on the rise—they have climbed almost 24% in the last year.
- Uninsured drivers: As of 2019, over 25% ofMichigandrivers are on the road without insurance coverage.
- No-fault state: Because Michigan is a no-fault state, drivers must purchasepersonal injury protection (PIP), which can be pricey.
Single-car drivers in Detroit pay an average of $4,458 a year for insurance—that’s $1,515 more than the state average of $2,943! But even the state average for insurance is among
the most expensive in the nation
. Remember that your
individual premium
in the Motor City may differ based on factors such as your age, driving record, and the type of vehicle you drive. So you may fare better than average.Plus,
Jerry
, the top-rated super app
, is here to help you find the best car insurance
rates available. Download the app for free to start comparison shopping. The average user saves over $800 a year on insurance.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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