Car Insurance in Detroit

Protect Your Vehicle and Yourself With Detroit Auto Insurance

couple feels safe by having car insurance detroit

Known as the automobile capital of the world, Michigan companies don’t just make tons of cars, we have a lot of them on the roads, too. And in the Motor City, many people rely on their vehicles to get them around. But Detroit drivers can face many challenges behind the wheel, from severe weather events to congested traffic conditions. That’s why having the right car insurance is so important.

If you’re looking for car insurance in Detroit, Michigan, you’ve come to the right place. Since 1984, the AARP^® Auto Insurance Program from The Hartford¹ has been protecting auto owners and their families. With our customizable coverage options and high ratings for claims service, The Hartford can help give you the peace of mind you deserve while driving.

What Are the Requirements for Car Insurance in Detroit?

Michigan state law requires drivers in Detroit to carry minimum coverage at the following limits:²

$100,000 for bodily injury, total per accident
$50,000 for bodily injury, per person per accident
$10,000 for property damage per accident
Personal Injury Protection (PIP) coverage, unless you are covered by Medicare parts A & B

You’re required to have both bodily injury liability and property damage liability coverage as part of your Michigan car insurance policy. And for PIP coverage, drivers can choose from different coverage options instead of carrying unlimited coverage. This is due to a Michigan law that went into effect in 2020, requiring car insurance companies to reduce average health insurance premiums for PIP coverage for eight years.³

Other types of coverage, like comprehensive coverage, collision insurance and uninsured and underinsured motorist coverage, aren’t required by law.

Additional Detroit Auto Insurance Coverages

Even though not all car insurance coverages are required in Michigan, you may consider adding them to your policy for extra protection. Some additional coverage options include:

Comprehensive coverage to help cover damages to your vehicle from non-collision events.
Collision insurance, which helps pay to repair your car after you hit another vehicle or object.
Uninsured motorist property damage insurance to help cover costs to fix your car and other property if you’re involved in an accident with a driver who is uninsured.
Uninsured motorist bodily injury insurance, which helps pay for medical expenses if you’re in an accident with another driver who doesn’t have insurance.
Roadside assistance, which offers a network of 40,000 towing services in the United States.
Rental car reimbursement coverage, which helps cover the costs to rent a car after your vehicle gets damaged in an accident.

Typically, full coverage car insurance is a combination of different types of car insurance coverage.

What Does Car Insurance in Detroit Cost?

How much car is insurance?

The average cost of car insurance in Detroit is $3,067 per year or $256 per month.⁴ However, car insurance rates are unique to each driver, so the amount you pay may differ from the average. Some factors that may affect how much you pay for car insurance are your:

Type of vehicle
Insurance-based credit score
Average miles driven per year
Coverage limits

Other factors, like maintaining a clean driving record and your claims history, may also influence your insurance cost.

Benefits and Discounts for Detroit Car Insurance

The Hartford believes in rewarding our customers. That’s why the AARP Auto Insurance Program from The Hartford offers AARP members benefits and car insurance discounts to help them get great coverage and save money.

Car Insurance Benefits

If you’re an AARP member, you can receive exclusive benefits through the AARP Auto Insurance Program from The Hartford, like:

Accident Forgiveness:^‡ We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have clean driving records for five straight years with The Hartford, you’ll qualify for accident forgiveness.
New Car Replacement:^§§ If you total your new car, we’ll replace it with a new one of the same make, model and equipment with no deduction for depreciation.
Disappearing Deductible:^‡ Your collision deductible could be reduced over time, as long as you maintain a clean driving record.
24/7 Claims Service: Our representatives can help with your claim. Call 800-243-5860 or report car insurance claims online.

Car Insurance Discounts

drivers can easily get detroit auto insurance

You can also be eligible for car insurance discounts and savings when you:

Bundle insurance coverages: You can save up to 5% on your auto policy and up to 20% on your home, renters or condo insurance just by bundling.** Types of insurance bundles available through The Hartford include:
Pay your premium in full: You’ll receive a discount if you pay your bill in full rather than making monthly payments.
Complete an approved defensive driver course: Just send The Hartford a copy of your certificate and you’ll receive a discount on your premium over the next three years.
Participate in The Hartford’s TrueLane Program:^‡‡ You’ll save up to 12% today just for participating. You could also earn a renewal discount of up to 25%, depending on the driving habits you demonstrate.
Take a safe driver training course: If you have drivers on your policy who are under 21, you can save on your insurance if they complete an approved driver training course.

Proof of Car Insurance in Detroit, MI

Providing proof of insurance in Detroit, MI is required by law, so it’s a good idea to keep a copy of your insurance ID card in your vehicle. Michigan is also among the states that accept electronic proof of car insurance. And with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™

Get a Fast and Free Quote for Detroit Car Insurance From The Hartford

It’s so quick and easy to request car insurance quotes from The Hartford that you can get one in minutes. To learn more about the coverages and savings available to you, call The Hartford’s representatives at 888-546-9099. You can also get a quote online.