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Get Cheap Car Insurance in Wayne State, Detroit, MI
We monitor insurance prices, helping the average driver in Wayne State save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Wayne State
The chart below shows the cheapest car insurance company in Wayne State 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.
| Wayne State Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $129 |
| Progressive | $147 |
| State Farm | $149 |
| Safeco Insurance | $157 |
Savings for Every Kind of Wayne State Driver
Based on our extensive insurance data, we know the average Wayne State 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 $1,400 per year by choosing the right vehicle insurance company. Some Wayne State residents are paying out over $3,484 extra every year for auto insurance in Wayne State. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Wayne State, Detroit, MI Savings / Yr. |
|---|---|
$1,400 |
|
$2,286 |
|
$2,023 |
|
$3,074 |
|
$3,627 |
|
$0 |
|
$0 |
Wayne State Car Insurance vs. Detroit
People living in Wayne State pay an average of 20.19% more than the typical driver in the state. The average driver in Wayne State can expect to pay about $2,647 per year, or $3,484 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Wayne State for most people.
Car Insurance Prices by Wayne State Neighborhood
Insurance Prices
Where is insurance cheapest within Wayne State?
The map shows insurance prices in and around Wayne State, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $912 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $4,095 to a low of $3,183. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the East parts of Wayne State.Pick the Best Car Insurance Company for You in Wayne State
The best car insurance provider for most drivers in Wayne State
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,400 over the average Wayne State car insurance company.
The best car insurance provider for Wayne State 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 $2,286 over the competition.
The best car insurance company for Wayne State drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $2,023 better than other car insurance companies.
The best auto insurance for Wayne State drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $3,074 less each year.
The least expensive car insurance company for new and young drivers in Wayne State
In Wayne State, Geico costs young drivers $3,627 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Wayne State
The cheapest car insurance in Wayne State for drivers with bad credit
The best Wayne State car insurance company for customer service
Nationwide was the best company for customer service in Wayne State according to the NAIC.
Recent price drops
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The cheapest large national provider in Wayne State
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Wayne State 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 Wayne State, 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 Wayne State
What Influences the Cost of Car Insurance in Wayne State?
On average, car insurance in Wayne State 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 neighborhood are influenced by the following factors:
- Michigan state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Wayne State is a lightly populated area in the state. The neighborhood’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 Wayne State is $221 per month for minimum coverage and $290 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 Neighborhoods
- Midtown-Detroit: Insurance costs 2.32% more
- New Center: Insurance costs 9.67% more
- Boston Edison: Insurance costs 13.20% more
- Core City: Insurance costs 16.70% more
- Woodbridge: Insurance costs 3.13% more
- Chene: Insurance costs 13.09% more
- Downtown Detroit: Insurance costs 1.29% less
- Lafayette Park: Insurance costs 7.41% more
- Downtown Hamtramck: Insurance costs 10.85% more
- Durfee: Insurance costs 15.21% more
Neighborhoods with Similar Populations
- Malba: Insurance costs 11.34% less
- Douglas Acres: Insurance costs 62.54% less
- Seven Eagles: Insurance costs 61.45% less
- Bowie: Insurance costs 51.03% less
- Holden-Parramore: Insurance costs 10.65% less
- Oak Park: Insurance costs 62.03% less
- Merriwood: Insurance costs 42.28% less
- Pioneer Park: Insurance costs 60.48% less
- Pleasant Acres: Insurance costs 41.79% less
- Rountree: Insurance costs 47.01% less