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Best cheap car insurance in Dearborn

People Strolling on Sidewalk Through Neighborhood
Walter Bibikow/Getty Images
People Strolling on Sidewalk Through Neighborhood
Walter Bibikow/Getty Images
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The cheapest car insurance company in Dearborn is USAA, according to Bankrate’s 2021 study of quoted annual premiums, but insurance agents often recommend looking beyond cheap rates to find the most complete coverage for your auto insurance needs. In Dearborn, drivers pay, on average, around $1,743 for minimum coverage and $4,083 for full coverage annually. Average car insurance rates in Dearborn are much higher than the national average, but it is still possible to find affordable coverage in the city.

Dearborn has some of the highest car insurance rates partly due to winter weather and road hazards as well as other factors. Car insurance in Dearborn comes with plenty of options at different price points. We took a look at a number of factors to determine the best cheap car insurance in Dearborn, including customer service and financial strength ratings.

Best cheap car insurance companies in Dearborn

USAA, Westfield and Geico offer some of the cheapest car insurance rates for Dearborn drivers, according to Bankrate’s study of 2021 Quadrant Information Services rates. Dearborn drivers have many options to choose from when it comes to auto insurance, but there are many factors to consider. To determine the best cheap insurance in Dearborn, we reviewed third-party customer satisfaction scores, policy options and available discounts. Using this information combined with average rate data, we assigned each provider a Bankrate Score out of a possible five points. The higher the Bankrate Score, the better the provider scored in each area.

Insurance company Bankrate Score J.D. Power customer satisfaction score
(North Central region)
Average annual premium for full coverage Average annual premium for minimum coverage
USAA 5.0 895/1,000* $1,530 $593
Auto-Owners 4.5 842/1,000 $2,821 $1,267
Geico 4.7 837/1,000 $2,810 $1,568

*USAA is not officially ranked by J.D. Power due to eligibility requirements. 

USAA

USAA has the lowest premiums on our list for full coverage car insurance. The provider is also consistently a top contender among car insurance companies due to its high customer satisfaction scores from J.D. Power, although it is not officially eligible for ranking due to its eligibility requirements. USAA insurance coverage is only available to members of the military, retired military and their eligible family members. But if you do qualify, members have access to some great coverage options and discounts tailored to military members.

Learn more: USAA insurance review

Auto-Owners

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 benefit, along with above industry-average customer satisfaction scores from J.D. Power and below-average premium rates, makes Auto-Owners one of our picks for the best cheap car insurance companies in Dearborn. However, if you prefer to manage your policy exclusively through an app, you should be aware the Auto-Owners app does not receive high scores nor can you submit a claim through it.

Learn more: Auto-Owners insurance review

Geico

Geico may not have the strongest customer satisfaction score in the North Central region according to J.D. Power, but the provider does have below-average premium rates for Dearborn. Geico also provides many potential discounts that Dearborn drivers may be eligible for, including multi-policy, safety equipment and driver safety, to name a few.

Learn more: Geico insurance review

How to get and keep the cheapest car insurance in Dearborn

When you are on the hunt for the cheapest rates in Dearborn, you need to know not only how to find the lowest, but how to keep your rates affordable throughout the years.

  • Shop multiple insurance providers. Comparing quotes from multiple insurance providers for the same coverage options and policy limits is one of the best ways to find the most affordable rates for you.
  • Re-shop insurance after big life events. Throughout your adult life, you will likely have big events that can impact your auto insurance rates. Scenarios such as moving, new jobs, getting married and adding a teen to your auto policy are an ideal time to re-evaluate your insurance needs and shop for a new policy.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 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 coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor