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Get Cheap Car Insurance in Dearborn Heights, MI
We monitor insurance prices, helping the average driver in Dearborn Heights save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Dearborn Heights
The chart below shows the cheapest car insurance company in Dearborn Heights for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| Dearborn Heights Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $120 |
| Progressive | $137 |
| State Farm | $138 |
| Safeco Insurance | $146 |
Savings for Every Kind of Dearborn Heights Driver
Based on our extensive insurance data, we know the average Dearborn Heights driver will save about 40% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $1,299 per year by choosing the right vehicle insurance company. Some Dearborn Heights residents are paying out over $3,232 extra every year for auto insurance in Dearborn Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Dearborn Heights, MI Savings / Yr. |
|---|---|
$1,299 |
|
$2,121 |
|
$1,876 |
|
$2,852 |
|
$3,365 |
|
$0 |
|
$0 |
Dearborn Heights Car Insurance vs. Michigan
People living in Dearborn Heights pay an average of 11.50% more than the typical driver in the state. The average driver in Dearborn Heights can expect to pay about $2,455 per year, or $3,232 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Dearborn Heights for most people.
Car Insurance Prices by Dearborn Heights Neighborhood
Insurance Prices
Where is insurance cheapest within Dearborn Heights?
The map shows insurance prices in and around Dearborn Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $756 per year within the city boundaries, with insurance premiums ranging from a high of $3,675 to a low of $2,919. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of Dearborn Heights.Pick the Best Car Insurance Company for You in Dearborn Heights
The best car insurance provider for most drivers in Dearborn Heights
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,299 over the average Dearborn Heights car insurance company.
The best car insurance provider for Dearborn Heights drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $2,121 over the competition.
The best car insurance company for Dearborn Heights drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,876 better than other car insurance companies.
The best auto insurance for Dearborn Heights drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,852 less each year.
The least expensive car insurance company for new and young drivers in Dearborn Heights
In Dearborn Heights, Geico costs young drivers $3,365 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Dearborn Heights
The cheapest car insurance in Dearborn Heights for drivers with bad credit
The best Dearborn Heights car insurance company for customer service
Nationwide was the best company for customer service in Dearborn Heights according to the NAIC.
Recent price drops
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The cheapest large national provider in Dearborn Heights
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Dearborn Heights driver can expect to pay about $163 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Dearborn Heights, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around Dearborn Heights
What Influences the Cost of Car Insurance in Dearborn Heights?
On average, car insurance in Dearborn Heights is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Michigan state insurance regulations may require higher prices.
- An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Dearborn Heights is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Dearborn Heights is $205 per month for minimum coverage and $269 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Inkster: Insurance costs 14.45% more
- Garden City: Insurance costs 5.14% less
- Dearborn: Insurance costs 0.03% more
- Westland: Insurance costs 0.74% less
- Melvindale: Insurance costs 3.65% more
- Redford: Insurance costs 9.34% more
- Allen Park: Insurance costs 5.85% less
- Wayne: Insurance costs 2.29% less
- Taylor: Insurance costs 4.15% less
- Lincoln Park: Insurance costs 1.45% more
Cities with Similar Populations
- Orland Park: Insurance costs 50.62% less
- San Clemente: Insurance costs 38.37% less
- Laguna Niguel: Insurance costs 37.04% less
- Reston: Insurance costs 60.77% less
- Pottstown: Insurance costs 56.34% less
- Port Orange: Insurance costs 25.80% less
- Rowlett: Insurance costs 43.07% less
- Moore: Insurance costs 43.38% less
- Midland: Insurance costs 16.24% less
- Manhattan: Insurance costs 53.40% less