Buy Cheap Dearborn, MI Auto Insurance in 2023
Dearborn, MI auto insurance rates average $1,743 a month. Minimum auto insurance requirements in Dearborn, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Dearborn, MI, compare Dearborn auto insurance quotes from top companies.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Dearborn is Farmers
- Average auto insurance rates in Dearborn, MI for teens drivers are $38,785/year
- Average auto insurance rates in Dearborn, MI after a DUI are $32,645/year
Finding affordable Dearborn, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Dearborn, MI auto insurance with confidence is right here. Auto insurance rates in Dearborn are affected by local factors as well as personal ones like your driving record.
See how Dearborn, MI car insurance rates compare to Livonia auto insurance rates, Sterling Heights auto insurance rates, and Detroit auto insurance rates before you read more about the cost of auto insurance in Dearborn.
Don’t buy Dearborn, MI auto insurance until you’ve compared rates. Get free Dearborn, Michigan auto insurance quotes when you enter your ZIP code above.
Dearborn, MI Minimum Auto Insurance Requirements
The required auto insurance in Dearborn, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Dearborn, Michigan is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Find Cheap Dearborn, MI Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Dearborn, MI. Take a look at Dearborn, Michigan auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $52,879 | $29,022 | $21,696 |
| Farmers | $65,447 | $34,324 | $31,842 |
| Geico | $16,268 | $11,896 | $9,633 |
| Liberty Mutual | $44,969 | $25,931 | $14,277 |
| Nationwide | $14,200 | $10,570 | $8,927 |
| Progressive | $9,235 | $7,696 | $6,856 |
| State Farm | $39,504 | $19,862 | $13,407 |
| Travelers | $21,448 | $20,784 | $20,515 |
| USAA | $6,868 | $3,882 | $2,925 |
Buy Cheap Dearborn, MI Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Dearborn, Michigan auto insurance rates? Find out how car insurance rates in Dearborn, MI are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $25,667 | $25,667 | $23,981 | $23,981 | $61,483 | $61,483 | $26,998 | $26,998 |
| Farmers | $33,673 | $33,673 | $31,021 | $31,021 | $72,736 | $72,736 | $38,054 | $38,054 |
| Geico | $9,186 | $9,186 | $9,324 | $9,324 | $23,178 | $23,178 | $8,709 | $8,709 |
| Liberty Mutual | $21,267 | $21,267 | $21,056 | $21,056 | $49,979 | $49,979 | $21,267 | $21,267 |
| Nationwide | $7,860 | $7,860 | $6,917 | $6,917 | $21,490 | $21,490 | $8,661 | $8,661 |
| Progressive | $4,697 | $4,305 | $4,112 | $4,682 | $17,159 | $18,059 | $5,482 | $4,935 |
| State Farm | $14,411 | $14,411 | $13,503 | $13,503 | $52,168 | $52,168 | $16,948 | $16,948 |
| Travelers | $13,925 | $13,925 | $11,904 | $11,904 | $42,671 | $42,671 | $15,164 | $15,164 |
| USAA | $3,336 | $3,143 | $3,134 | $2,949 | $8,199 | $7,745 | $4,073 | $3,887 |
Buy Cheap Dearborn, MI Auto Insurance for Teen Drivers
Auto insurance for teenagers in Dearborn can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Dearborn, MI are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $61,483 | $61,483 |
| Farmers | $72,736 | $72,736 |
| Geico | $23,178 | $23,178 |
| Liberty Mutual | $49,979 | $49,979 |
| Nationwide | $21,490 | $21,490 |
| Progressive | $17,159 | $18,059 |
| State Farm | $52,168 | $52,168 |
| Travelers | $42,671 | $42,671 |
| USAA | $8,199 | $7,745 |
Buy Cheap Dearborn, MI Auto Insurance for Seniors
You can save on senior auto insurance rates in Dearborn, Michigan by comparing Dearborn senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Dearborn, MI here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $23,981 | $23,981 |
| Farmers | $31,021 | $31,021 |
| Geico | $9,324 | $9,324 |
| Liberty Mutual | $21,056 | $21,056 |
| Nationwide | $6,917 | $6,917 |
| Progressive | $4,112 | $4,682 |
| State Farm | $13,503 | $13,503 |
| Travelers | $11,904 | $11,904 |
| USAA | $3,134 | $2,949 |
Find Cheap Auto Insurance Rates in Dearborn, MI by Coverage Level
The amount of coverage you choose is a big factor in the cost of Dearborn, Michigan auto insurance. Compare Dearborn, MI auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $33,659 | $34,612 | $35,326 |
| Farmers | $42,667 | $43,752 | $45,194 |
| Geico | $11,952 | $12,498 | $13,347 |
| Liberty Mutual | $27,725 | $28,326 | $29,126 |
| Nationwide | $11,794 | $11,031 | $10,871 |
| Progressive | $7,683 | $7,937 | $8,168 |
| State Farm | $22,777 | $24,441 | $25,555 |
| Travelers | $20,760 | $20,934 | $21,054 |
| USAA | $4,421 | $4,571 | $4,683 |
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Find Cheap Dearborn, MI Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Dearborn. Compare auto insurance rates in Dearborn, MI by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $34,532 | $34,532 |
| Farmers | $43,871 | $43,871 |
| Geico | $12,304 | $12,895 |
| Liberty Mutual | $27,416 | $29,368 |
| Nationwide | $11,232 | $11,232 |
| Progressive | $7,929 | $7,929 |
| State Farm | $23,552 | $24,963 |
| Travelers | $20,793 | $21,039 |
| USAA | $4,505 | $4,612 |
Find Cheap Dearborn, MI Auto Insurance Rates by ZIP Code
Auto insurance rates in Dearborn, Michigan can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Dearborn, MI to see how much where you live in Dearborn affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 48120 | $18,100 |
| 48124 | $11,110 |
| 48126 | $19,064 |
| 48128 | $12,080 |
Find Cheap Dearborn, MI Auto Insurance Rates by Driving Record
Auto insurance rates in Dearborn, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Dearborn, MI, take a look at the average cost for various violations versus rates for a clean driving record in Dearborn.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $16,697 | $22,425 | $75,569 | $23,438 |
| Farmers | $36,584 | $47,199 | $46,359 | $45,341 |
| Geico | $4,426 | $9,318 | $28,488 | $8,165 |
| Liberty Mutual | $19,637 | $23,866 | $44,779 | $25,287 |
| Nationwide | $9,551 | $12,857 | $11,701 | $10,820 |
| Progressive | $6,640 | $8,876 | $7,956 | $8,245 |
| State Farm | $15,149 | $18,317 | $40,495 | $23,069 |
| Travelers | $14,180 | $20,239 | $32,444 | $16,801 |
| USAA | $3,652 | $4,578 | $6,018 | $3,986 |
Find Cheap Dearborn, MI Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Dearborn, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Dearborn for less when you shop around and compare rates from multiple Dearborn, MI auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $75,569 |
| Farmers | $46,359 |
| Geico | $28,488 |
| Liberty Mutual | $44,779 |
| Nationwide | $11,701 |
| Progressive | $7,956 |
| State Farm | $40,495 |
| Travelers | $32,444 |
| USAA | $6,018 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Dearborn, MI
Compare rates from the cheapest auto insurance companies in Dearborn, MI for your needs. Take a look at how Dearborn, Michigan auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Find Cheap Dearborn, Michigan Auto Insurance Companies
If you’re looking for the cheapest Dearborn, MI auto insurance companies overall, you can compare them here. Find the best price for Dearborn, Michigan car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $34,532 |
| Farmers | $43,871 |
| Geico | $12,599 |
| Liberty Mutual | $28,392 |
| Nationwide | $11,232 |
| Progressive | $7,929 |
| State Farm | $24,258 |
| Travelers | $20,916 |
| USAA | $4,558 |
What affects Dearborn, Michigan auto insurance rates?
Local factors affect auto insurance rates in Dearborn, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Dearborn auto insurance rates.
Auto Theft in Dearborn
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Dearborn, MI auto theft show a total of 200 vehicle thefts annually.
Commute Times in Dearborn
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Dearborn, MI is 20.6 minutes according to City-Data.
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Compare Auto Insurance Quotes in Dearborn, MI
You can buy cheap Dearborn, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Dearborn, Michigan auto insurance quotes from top companies.
Frequently Asked Questions
What factors should I consider when looking for cheap auto insurance in Dearborn, MI?
When searching for affordable auto insurance in Dearborn, MI, consider factors such as your driving record, vehicle type, coverage needs, deductible amount, and discounts offered by insurance providers.
How can I find cheap auto insurance in Dearborn, MI?
To find cheap auto insurance in Dearborn, MI, you can follow these steps:
- Compare quotes from multiple insurance providers to find the best rates.
- Maintain a good driving record and avoid accidents or traffic violations.
- Opt for higher deductibles, which can lower your premium.
- Bundle your auto insurance with other policies, such as homeowners or renters insurance, to get discounts.
- Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for taking defensive driving courses.
Are there any specific auto insurance requirements in Dearborn, MI?
Yes, Dearborn, MI has specific auto insurance requirements. You must carry at least the minimum liability coverage mandated by the state. As of my knowledge cutoff in September 2021, the minimum requirements in Michigan were:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $10,000 property damage liability per accident
Will purchasing cheap auto insurance in Dearborn, MI provide sufficient coverage?
While cheap auto insurance can help you save money on premiums, it’s crucial to ensure that the coverage meets your needs. Evaluate the coverage limits, deductibles, and additional options offered by the insurance provider to determine if it provides sufficient protection for your vehicle and potential liabilities.
Can I switch auto insurance providers if I find a cheaper option?
Yes, you have the flexibility to switch auto insurance providers in Dearborn, MI. However, before switching, consider factors like the reputation of the new insurance company, their coverage options, customer service, and any penalties or fees associated with cancellation of your existing policy.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.