Dearborn drivers pay an average of $1,743 annually for minimum coverage, and $4,083 annually for full coverage. Although this is higher than the average Michigan state premium, it’s not surprising considering that Michigan’s Wayne County had 55,001 crashes in 2017.
Dearborn has the highest rates for car insurance, not just in Michigan, but also in the United States. This is partly due to road hazards and winter weather. There are many options for Dearborn car insurance, with different prices. To determine the most affordable Dearborn car insurance, we looked at several factors.
Dearborn’s best car insurance companies
There are many options for Dearborn car insurance. But there are many things to consider. We looked at customer satisfaction scores from third parties, available policy options, and discounts to determine the best Dearborn insurance. To compare rates, we also used the 2021 average rate data of Quadrant Information Services.
| Insurance company | J.D. J.D. | Minimum coverage: Average annual premium | 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
Auto-Owners provides many benefits and coverage options. If an accident occurs with someone with Auto-Owners insurance coverage, the provider will waive your minimum deductible. This is one of many benefits, and it comes with an average customer satisfaction score from J.D. Auto-Owners is one of the most affordable car insurance companies in Dearborn. They have power and lower premium rates.
Geico
J.D. says Geico has the highest customer satisfaction score in North Central according to J.D. Power, and the provider has lower than average premium rates Dearborn. Dearborn drivers might be eligible for discounts from Geico.
Travelers
According to our research, Travelers is the most affordable Dearborn car insurance company for minimum coverage. Travelers’ average premium is the highest in Dearborn for full coverage. Travelers provides a variety of helpful coverage options, including accident forgiveness, roadside assistance and new car replacement coverage.
USAA
USAA is an insurance company that consistently ranks high with customers who are satisfied and have competitive rates. USAA is a provider that specializes in providing insurance coverage for military personnel, retired military personnel, and eligible family members.
Westfield
Westfield Insurance is an insurance company in the midwest with a low average premium for minimum coverage (especially in Dearborn) and a lower premium for full coverage. Westfield has one of the most respected J.D. The North Central region has one of the highest Power Scores. This provider provides options such as camper and motorbike insurance, roadside assistance, and insurance for campers.
Dearborn: Cheapest auto insurance
Michigan’s average car insurance cost is $995 for minimum coverage, and $2,375 to cover full coverage. Dearborn drivers will pay an average of $1,743 to get minimum coverage, and $4,083 for complete coverage.
The $4,083 average full coverage rate is significantly higher than the $1,485 Illinois state average and the $1,674 national average. Your exact location, vehicle, and other factors such as driving record will affect your rate.
According to our market research, these are the top-rated carriers in Dearborn for car insurance .
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| Travelers | $182 | $3,585 |
| USAA | $593 | $1,530 |
| MetLife | $786 | $2,557 |
| Auto-Owners | $1,267 | $2,821 |
| Progressive | $1,453 | $2,709 |
There are many factors that go into choosing the best and most affordable car insurance. This will vary from one person to another. Although not all companies make it to our list of Dearborn’s best providers, they offer great coverage and options.
Travelers might offer a low minimum premium, but a high full coverage premium. It does offer a wide variety of coverage options. Progressive and MetLife offer a lot of discounts. Based on J.D., USAA seems to be a great choice for military families and their loved ones. Review of power. If you’re looking for full-coverage insurance, Auto-Owners might offer competitive rates.
Dearborn insurance requirements
Michigan is a state that has no fault, which means you must file claims with your insurance company regardless of who caused the accident. At a minimum, Michigan law requires:
- Bodily injury coverage: $50,000 per person, $100,000 per accident
- Insurance coverage for property damage: $10,000
- Property protection: $1 Million
- Michigan drivers have several options for personal injury protection. They can choose from a variety of options that range from nothing if they are eligible for health insurance to unlimited. You must have PIP coverage of at least $50,000 if you are not enrolled with Medicare Parts A & B.
The minimum coverage does not guarantee that it will cover all costs of an accident. Some drivers choose to have higher limits of coverage.
Dearborn: Car insurance discounts
Many car insurance companies offer discounts to help drivers reduce their premiums. Residents may find discounts more important because of the high rate of coverage in Dearborn. These are some of the most common Dearborn car insurance discounts:
- Driver education: Drivers who take a defensive driving course that is approved may be eligible for a reduced rate.
- Good student: Drivers who earn a B average or higher in school may be eligible for a discount
- Multi-policy: This is one of the best ways to get discounts. This is where drivers can save money by insuring both their car and home through the same provider.
- Safety features: Vehicles with safety features like multiple airbags and anti-theft systems may be eligible for a discount on insurance.
Questions frequently asked
Which is the best auto insurance company?
The best auto insurance company will vary based on the driver’s history and needs. You can get multiple quotes to determine the best options for you.
What is the cost of Dearborn car insurance?
On average, Dearborn residents will pay $4,083 annually for full coverage car insurance, and $1,743 annually to insure their car with minimum coverage. The rate of car insurance will be affected by factors such as age, credit score, and claims history.
What amount of Dearborn car insurance do you need?
Michigan law requires Dearborn drivers to have at least 50/100/10 car insurance for personal liability. Some people may choose to have more coverage than the minimum required by law.