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Get Cheap Car Insurance in Dearborn, MI
We monitor insurance prices, helping the average driver in Dearborn save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Dearborn
The chart below shows the cheapest car insurance company in Dearborn 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 Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $120 |
| Progressive | $137 |
| State Farm | $138 |
| Safeco Insurance | $146 |
Savings for Every Kind of Dearborn Driver
Based on our extensive insurance data, we know the average Dearborn 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 residents are paying out over $3,233 extra every year for auto insurance in Dearborn. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Dearborn, MI Savings / Yr. |
|---|---|
$1,299 |
|
$2,121 |
|
$1,877 |
|
$2,853 |
|
$3,366 |
|
$0 |
|
$0 |
Dearborn Car Insurance vs. Michigan
People living in Dearborn pay an average of 11.54% more than the typical driver in the state. The average driver in Dearborn can expect to pay about $2,456 per year, or $3,233 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Dearborn for most people.
Car Insurance Prices by Dearborn Neighborhood
Insurance Prices
Where is insurance cheapest within Dearborn?
The map shows insurance prices in and around Dearborn, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,106 per year within the city boundaries, with insurance premiums ranging from a high of $4,001 to a low of $2,895. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the South parts of Dearborn.Pick the Best Car Insurance Company for You in Dearborn
The best car insurance provider for most drivers in Dearborn
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 car insurance company.
The best car insurance provider for Dearborn 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 drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,877 better than other car insurance companies.
The best auto insurance for Dearborn drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,853 less each year.
The least expensive car insurance company for new and young drivers in Dearborn
In Dearborn, Geico costs young drivers $3,366 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Dearborn
The cheapest car insurance in Dearborn for drivers with bad credit
The best Dearborn car insurance company for customer service
Recent price drops
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The cheapest large national provider in Dearborn
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Dearborn 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, 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
What Influences the Cost of Car Insurance in Dearborn?
On average, car insurance in Dearborn 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 F according to CrimeGrade.org.
- Dearborn is a lightly populated area 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 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
- Melvindale: Insurance costs 3.62% more
- Dearborn Heights: Insurance costs 0.03% less
- Allen Park: Insurance costs 5.88% less
- River Rouge: Insurance costs 16.27% more
- Inkster: Insurance costs 14.41% more
- Lincoln Park: Insurance costs 1.42% more
- Ecorse: Insurance costs 15.84% more
- Garden City: Insurance costs 5.17% less
- Redford: Insurance costs 9.31% more
- Taylor: Insurance costs 4.18% less
Cities with Similar Populations
- Tallahassee: Insurance costs 22.92% less
- Union City: Insurance costs 33.96% less
- Toledo: Insurance costs 64.99% less
- Terre Haute: Insurance costs 62.94% less
- Troy: Insurance costs 3.00% less
- Tulsa: Insurance costs 44.76% less
- Tonawanda: Insurance costs 28.30% less
- Tuscaloosa: Insurance costs 50.51% less
- Tacoma: Insurance costs 49.09% less
- Tulare: Insurance costs 37.55% less