Cheapest Auto Insurance in Dearborn, Michigan (2024)
Auto-Owners offers the cheapest car insurance in Dearborn, with minimum-coverage policies as low as $95 per month.
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Written byTaylor Milam-Samuel
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated October 30, 2024
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Table of contents
The overall average cost of car insurance in Dearborn is $380 per month, or $4,559 per year. Drivers in Michigan pay nearly twice as much as the national average because Michigan’s a no-fault state with high coverage requirements.[1]
Here’s how to compare quotes and find cheap car insurance in Dearborn, Michigan.
Quick Facts
The average cost of car insurance in Dearborn is $304 per month for liability-only coverage and $456 per month for full coverage.
Auto-Owners is the cheapest full-coverage car insurance company in Dearborn.
Dearborn drivers with bad credit pay almost twice as much for car insurance as drivers with good credit.
3 of the cheapest car insurance companies in Dearborn
USAA, Auto-Owners, and Chubb offer some of the cheapest car insurance rates in Dearborn. Depending on the type and amount of coverage you need, one insurer might be better for you than the rest. Consider your budget and needs as you shop for the best rates.
Here’s a look at a few of the cheapest car insurance companies in Dearborn to start your search.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $113 | $64 | Military members and veterans |
| Auto-Owners | 8.5 | $112 | $63 | Cheap liability coverage |
| Chubb | 6.5 | $122 | $69 | High-value cars |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for military members and veterans: USAA
USAACompare personalized, real-time quotes
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $97/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $170/mo |
USAA requires drivers to have a military affiliation through personal service or a family connection to be a member. Dearborn is close to the Detroit Arsenal, which employs more than 6,000 workers on base, making USAA an excellent pick for residents who work nearby or have another eligible military connection.
Drivers with coverage from USAA can expect competitive rates, accessible customer service, and full-coverage options, including roadside assistance and rental car reimbursement.
Pros
Strong J.D. Power customer satisfaction rating in the North Central region
Various discounts
Cons
Coverage only available to members
No 24/7 phone support
Read more driver reviews of USAA
Kent - October 29, 2024
Verified
Excellent
The insurance is a bit high.
Dorothy - October 29, 2024
Verified
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin - October 29, 2024
Verified
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
…
Best insurer for cheap liability coverage: Auto-Owners
Auto-OwnersCompare personalized, real-time quotes
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $95/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $169/mo |
Auto-Owners has some of the lowest rates for liability-only coverage in Dearborn. Liability-only insurance can be a great option if you have an older car that isn’t worth much or you rarely drive. If you’re part of the 8% of Dearborn residents who work from home, liability-only coverage might make sense.
Pros
Above-average J.D. Power customer satisfaction rating in the North Central region
Plenty of add-on coverage options
Cons
Fewer advertised discounts than competitors
Online quotes not available
Read more driver reviews of Auto-Owners
Ronald W - October 29, 2024
Verified
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha - October 28, 2024
Verified
Good
The premiums keep increasing.
Lawrence - October 24, 2024
Verified
Honest Answers to Questions
Please refer to my answers to the previous questions.
…
Best insurer for high-value cars: Chubb
ChubbCompare personalized, real-time quotes
| User Reviews | 2.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.5/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $104/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $185/mo |
Chubb caters to high-value vehicles, including vintage cars, and offers unique perks. The insurance company allows drivers to determine the value of their car and then pays that amount if it’s totaled. There’s no per-day limit for rental car coverage, and the claims team is available 24/7.
Even though Chubb’s coverage caters to high-end vehicles, its average rates in Dearborn are competitive.
Pros
Ensures original equipment manufacturer (OEM) for replacement parts
Lifetime guarantee and certified repair shops
Cons
Fewer discounts than other insurers
Must work with an agent to get a quote
Read more driver reviews of Chubb
Cynthia - August 11, 2024
Verified
Excellent!
Absolutely great!
Alexander - June 18, 2024
Verified
I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.
I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.
Troy - October 6, 2021
Verified
Good
They are great to deal with, just expensive.
How to get the cheapest car insurance in Dearborn
Car insurance rates depend on different factors, including your age, ZIP code, vehicle type, driving record, and insurance company. But you can take some steps to lower your car insurance rate:
Compare quotes. When you shop for coverage, get at least three quotes, but more is better. Reviewing many options can help you get the best deal on your car insurance. Start with quotes from your area’s cheapest car insurance companies.
Reduce coverage on older cars. You must meet the minimum liability insurance coverage the state sets. But you might not need coverage beyond that if you have an older car that isn’t worth much. Reducing or dropping extra coverage can help you save money.
Bundle insurance policies. Most companies offer discounts when you bundle different insurance policies. For example, you might be able to bundle auto insurance, renters insurance, and business insurance.
Ask about additional discounts. Most insurance agents apply all your discounts before finalizing your coverage, but it’s a good idea to double-check for more. Some insurers offer discounts for being a good student, a safe driver, or a loyal customer.
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Cheapest liability-only car insurance in Dearborn: Auto-Owners
Liability-only car insurance meets the legal requirements for coverage in the state of Michigan. The coverage helps pay for the other driver’s vehicle repairs, property damage, and medical bills when you cause an accident. It doesn’t cover the costs of your repairs or medical treatment.
Liability-only car insurance in Dearborn costs an average of $304 per month. The following insurers offer the cheapest coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $95 |
| USAA | $97 |
| Chubb | $104 |
| GEICO | $146 |
| Safeco | $160 |
| Progressive | $182 |
| Nationwide | $195 |
| State Farm | $198 |
| Direct Auto | $223 |
| Travelers | $229 |
| Bristol West | $276 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Dearborn: Auto-Owners
Full-coverage car insurance usually includes liability protection, comprehensive, and collision. The policy helps pay for the other driver’s repairs and medical expenses when you cause an accident. It also covers your vehicle repairs, regardless of fault. If you hit an object, sustain damage from a natural disaster, or are the victim of theft, a full-coverage policy pays for repair costs.
Drivers in Dearborn pay an average of $456 per month for full-coverage car insurance.
Here are some full-coverage car insurance companies with affordable rates in Dearborn.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $169 |
| USAA | $170 |
| Chubb | $185 |
| Safeco | $252 |
| GEICO | $258 |
| Progressive | $270 |
| Nationwide | $344 |
| State Farm | $350 |
| Travelers | $406 |
| Direct Auto | $455 |
| Bristol West | $496 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Dearborn, Michigan
Drivers using Insurify have found quotes as cheap as $54/mo for liability only and $109/mo for full coverage in Dearborn and other Michigan cities.
*Quotes generated for Insurify users in and around Dearborn, Michigan within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Dearborn, Michigan within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Michigan
Michigan drivers must have liability car insurance coverage, but the state’s requirements are higher than other states, which is one of the reasons coverage costs more in Michigan.
Because it’s a no-fault state, you file an insurance claim with your own insurance company if you’re in an accident, so more insurance claims happen since all involved drivers file. As a result, insurance usually costs more in no-fault states.
Furthermore, Michigan requires drivers to purchase personal injury protection coverage, but drivers can choose their limits. Here are the minimum-coverage amounts for drivers in Michigan:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
| Personal injury protection | Varying limits:
|
Drivers can consider adding extra car insurance coverage beyond the state minimum to ensure adequate protection. Here are some common options:
Comprehensive coverage
Comprehensive insurance helps pay for repairs if something other than a collision causes damage to your car, including hail, theft, vandalism, or debris.
Collision coverage
If you hit another car or object, collision insurance helps pay for the repairs. For example, you can file a claim if you hit a light post or mailbox.
Gap coverage
Gap insurance pays the difference between your auto loan balance and insurance settlement in the event of a total loss.
Glass coverage
Some policies include free glass repair, but many don’t. If something damages your window or windshield, this policy pays to fix it.
Rental car reimbursement coverage
If your car is in the shop for repairs during a covered claim, this pays for the cost of renting a car, up to a certain limit.
Cheapest car insurance for drivers with an incident
Car insurance companies consider your driving record when determining rates. Your driving record shows previous incidents, including at-fault accidents, speeding tickets, and driving under the influence (DUI) violations. If you have a violation, it means you’re at a higher risk of filing a claim, so insurance companies increase rates to offset that risk.
The incident on your driving record also affects how much your car insurance rates increase. In Dearborn, drivers with a speeding ticket pay an average of $363 per month for liability coverage. But drivers pay an average of $453 per month for liability insurance if they have a DUI — a substantial increase.
Even with higher rates, getting a good deal on car insurance is still possible. Here’s how much extra you can expect to pay after a violation.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Auto-Owners | $95 | $114 | $121 | $149 |
| USAA | $97 | $115 | $124 | $152 |
| Chubb | $104 | $126 | $133 | $163 |
| GEICO | $146 | $174 | $187 | $229 |
| Safeco | $160 | $193 | $199 | $251 |
| Progressive | $182 | $216 | $235 | $286 |
| Nationwide | $195 | $234 | $251 | $306 |
| State Farm | $198 | $233 | $250 | $311 |
| Direct Auto | $223 | $265 | $290 | $350 |
| Travelers | $229 | $275 | $294 | $359 |
| Bristol West | $276 | $328 | $349 | $433 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost of car insurance by age
Your age affects your car insurance rates. Teen drivers pay the most for car insurance due to inexperience and risky behavior on the road.[2]
Rates usually decrease as drivers age, with the lowest rates around retirement age. But later in life, around age 70, rates increase again due to potential health issues and slower reaction times.[3]
Here’s how much drivers in Dearborn pay on average for car insurance, by age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $622 |
| 20s | $516 |
| 30s | $451 |
| 40s | $443 |
| 50s | $435 |
| 60s | $410 |
| 70s | $451 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Dearborn car insurance FAQs
Learn more about getting cheap insurance in Insurify’s guide, and check out the answers to common questions about auto coverage in Dearborn.
Does credit score affect car insurance costs in Dearborn?
No. With Michigan’s recent car insurance law changes, the state eliminated the use of sex, marital status, homeownership status, credit score, educational level, occupation, and ZIP codes in setting rates.[4]
How much is car insurance in Dearborn?
The average cost of car insurance in Dearborn is $304 per month for liability coverage and $456 per month for full coverage.
Which companies have the cheapest car insurance in Dearborn?
Auto-Owners, USAA, and Chubb have the cheapest liability rates in Dearborn, starting at $95, $97, and $104 per month, respectively.
But the best way to find the cheapest rates for your situation is to use a quote-comparison tool to see as many quotes at once for the coverage you need. This way, you can compare the cheapest rates and find the one that best matches your needs.
What are the best car insurance companies in Dearborn?
Auto-Owners, Chubb, and USAA are a few of the best car insurance companies in Dearborn, according to Insurify’s analysis. These insurers have plenty of coverage options, low average rates, and strong customer satisfaction ratings.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Michigan
Sources
- Michigan Department of Insurance and Financial Services. "Brief Explanation of Michigan No-Fault Insurance."
- III. "Auto insurance for teen drivers."
- III. "Senior driving safety and insurance tips."
- Michigan Department of Insurance and Financial Services. "Michigan's New Auto Insurance Law."
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Taylor Milam-Samuel
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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