Best Dearborn, MI Car Insurance in 2024
Car insurance in Dearborn, MI averages $1,743 a month. Dearborn, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Dearborn car insurance rates, compare quotes from the top car insurance companies in Dearborn, MI.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Dearborn, MI are $20,921/year
- The cheapest car insurance company in Dearborn is USAA
- The cheapest car insurance company in Dearborn for teen drivers is USAA
If you need to buy Dearborn, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Dearborn, MI is right here.
You’ll find Dearborn car insurance rates, the cheapest Dearborn, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Dearborn, Michigan car insurance rates to Lansing car insurance rates, Troy car insurance rates, and Warren car insurance rates.
Ready to find affordable Dearborn, MI car insurance today? Enter your ZIP code for fast, free Dearborn car insurance quotes.
Cheapest Dearborn, MI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Dearborn, MI car insurance rates? Every Dearborn, Michigan car insurance company weighs these factors differently, so check out the comparison rates.
| 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 |
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Minimum Car Insurance in Dearborn, MI
Every driver must carry the minimum car insurance required by the state in Dearborn, MI. Take a look at the Michigan car insurance requirements.
| 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 |
Cheapest Dearborn, MI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Dearborn, MI. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Dearborn from top companies for good, fair, and poor credit.
| 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 |
Cheapest Dearborn, MI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Dearborn, MI to rates for a clean record with top companies.
| 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 |
Cheapest Dearborn, MI Car Insurance for Teen Drivers
Teen car insurance in Dearborn, MI can be expensive. Take a look at rates from the top car insurance companies in Dearborn for teenagers.
| 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 |
Cheapest Dearborn, MI Car Insurance for Seniors
Take a look at Dearborn, MI rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| 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 |
Cheapest Dearborn, MI Car Insurance Rates After a DUI
A DUI in Dearborn, MI increases car insurance rates. Compare Dearborn, Michigan car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car 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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Cheapest Dearborn, MI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Dearborn, MI by commute? Take a look at a comparison of the top companies by commute length.
| 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 |
Cheapest Dearborn, MI Car Insurance Rates by ZIP Code
Dearborn car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Dearborn, MI.
| ZIP Code | Average Annual Rates |
|---|---|
| 48120 | $18,100 |
| 48124 | $11,110 |
| 48126 | $19,064 |
| 48128 | $12,080 |
The Best Cheap Car Insurance Companies in Dearborn, MI
Take a look at a side-by-side comparison of the top car insurance companies in Dearborn, MI to find the best option for your needs.
| 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 |
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Category Winners: Cheapest Car Insurance in Dearborn, Michigan
Find the cheapest car insurance companies in Dearborn, MI for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Cheapest Dearborn, MI Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Dearborn car insurance rates. Find the cheapest Dearborn, MI car 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 |
What affects car insurance rates in Dearborn, Michigan?
What are the factors that affect car insurance rates in Dearborn, MI? There are several reasons why Dearborn car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Dearborn, Michigan.
Car Theft in Dearborn
High levels of vehicle theft can make car insurance more expensive. Dearborn, MI car theft statistics from the FBI indicate 200 vehicle thefts a year.
Commute Time in Dearborn
The more time you spend in your car the higher the risk of an accident. The average commute length in Dearborn, MI is 20.6 minutes according to City-Data.
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Compare Car Insurance Quotes in Dearborn, MI
Ready to find affordable Dearborn, Michigan car insurance today? Enter your ZIP code for fast, free Dearborn, MI car insurance quotes.
Frequently Asked Questions
How much does car insurance in Dearborn, MI cost on average?
Car insurance in Dearborn, MI averages $1,743 a month.
What are the car insurance requirements in Dearborn, Michigan?
Dearborn, Michigan car insurance requirements are 20/40/10.
How can I find cheap car insurance rates in Dearborn, MI?
Compare quotes from top car insurance companies in Dearborn, MI.
Does age, gender, and marital status affect car insurance rates in Dearborn, MI?
Yes, they can affect rates, and it varies by company.
What is the minimum car insurance required in Dearborn, MI?
The minimum car insurance required in Dearborn, MI is 20/40/10.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
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.