In Dearborn, drivers pay on average around $1,743 for minimum coverage and $4,083 for full coverage annually. This is above average for the average state premiums in Michigan, but considering that in 2017, Wayne county had the highest number of crashes in Michigan at 55,001, the higher average rates are not that surprising.
Dearborn has some of the highest car insurance rates, not only in Michigan but in the country partly due to winter weather and road hazards. Regardless, car insurance in Dearborn comes with plenty of options with different price points. We took a look at a number of factors to determine the best cheap car insurance in Dearborn.
Best car insurance companies in Dearborn
Dearborn drivers have many options when it comes to car insurance, but there are many factors to consider. To determine the best cheap insurance in Dearborn, we took a look at third-party customer satisfaction scores, policy options and available discounts. We also used 2021 average rate data from Quadrant Information Services to compare rates.
|Insurance company||J.D. Power customer satisfaction score||Average annual premium for minimum coverage||Average Annual premium for full coverage|
|Auto-Owners||845 / 1000||$1,267||$2,821|
|Geico||851 / 1000||$1,568||$2,810|
|Travelers||828 / 1000||$182||$3,585|
|USAA||897 / 1000||$593||$1,530|
|Westfield||836 / 1000||$252||$2,764|
Auto-Owners offers many coverage options and unique benefits. For example, if an accident involves someone who also carries Auto-Owners insurance, the provider will waive your deductible. This unique benefit among several others, along with above average customer satisfaction scores from organizations like J.D. Power and below average premium rates makes Auto-Owners one of the best cheap car insurance companies in Dearborn.
Geico not only has the strongest customer satisfaction score in the North Central region according to J.D. Power, but the provider also has below average premium rates for Dearborn. Geico provides many potential discounts that Dearborn drivers may be eligible for.
Travelers is one of the cheapest car insurance companies in Dearborn on average for minimum coverage, according to our research. However, for full coverage, Travelers has one of the highest average premiums in Dearborn. Travelers offers several helpful coverage options such as accident forgiveness, new car replacement coverage and roadside assistance along with several potential discounts.
USAA is a consistently top contender for insurance with competitive rates and high customer satisfaction scores. This provider specializes in insurance coverage for members of the military, retired military and their eligible family members, so USAA is not available to everyone.
Westfield Insurance is a midwest company with an affordable average premium for minimum coverage, especially in Dearborn, and a below average premium for full coverage. Westfield also has one of the best J.D. Power scores in the North Central region. This provider offers options like RV and camper insurance, roadside assistance and motorcycle insurance.
Cheapest car insurance in Dearborn
The average cost of car insurance in Michigan is $995 for minimum coverage and $2,375 for full coverage. However, in Dearborn, drivers pay on average $1,743 for minimum coverage and $4,083 for full coverage.
The average full coverage rate of $4,083 is extensively higher than nearby Illinois’ state average which is $1,485 and the national average of $1,674. However, your rate will vary based on your exact location, vehicle and personal factors like driving history.
Based on of our research of the top carriers by market share, the cheapest car insurance in Dearborn can generally be found with the following companies:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Choosing the best and cheapest car insurance can be based on many different factors and will likely change for each individual. While not all companies could make our list of the best providers in Dearborn, each one still offers great options and coverage.
Travelers may offer a low minimum premium but an equally high full coverage premium. However, it does have a wide range of coverage options. MetLife and Progressive offer tons of discounts. USAA is seemingly a great option for the military and their families based on J.D. Power reviews. Auto-Owners may offer competitive rates if you are looking for full coverage insurance.
Dearborn insurance requirements
Michigan is a no-fault state, meaning state law requires that you file claims with your insurer regardless of which party caused the accident. At a minimum, Michigan law requires:
- Bodily injury liability coverage: $50,000 per person and $100,000 per accident
- Property damage liability coverage: $10,000
- Property protection: $1 million
- Personal injury protection: Michigan drivers can select from several options, ranging from nothing if they have eligible health insurance to unlimited. If you are not enrolled in Medicare Parts A & B, you must have at least $50,000 in PIP coverage.
Minimum coverage has no guarantee of covering the full cost of an accident, so some drivers opt for higher coverage limits.
Car insurance discounts in Dearborn
Most car insurance companies offer discounts that can help drivers lower their premiums. Given the high rates of coverage in Dearborn, discounts may be more important than usual for residents. Here are some common car insurance discounts in Dearborn:
- Driver education: Drivers who refresh their driving skills with an approved defensive driving course may get reduced rates.
- Good student: Eligible drivers in school with a “B” average or higher may earn a discount.
- Multi-policy: Policy bundling is one of the most common ways to earn discounts. It’s where drivers can save money by insuring their home and car through the same provider.
- Safety features: Vehicles that have safety features, like anti-lock brakes, multiple airbags or an anti-theft system might qualify for an insurance discount.
Frequently asked questions
What is the best car insurance company?
The best car insurance company varies depending on the driver’s background and needs. Consider getting several quotes and determine which options are most important to you.
How much does car insurance in Dearborn cost?
Dearborn drivers on average will pay $4,083 per year for full coverage car insurance and $1,743 annually for minimum coverage car insurance. However, factors like age, credit score and claims history will impact a driver’s car insurance rate.
How much car insurance do I need in Dearborn?
Drivers in Dearborn are required by Michigan state law to carry at least 50/100/10 personal liability car insurance. However, some people may decide they need or want more coverage than the state minimum.
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.
Rates are determined based on 2021 Quadrant Information Services data.