Cheap Auto Insurance Quotes in Dearborn, MI (2023)

A small suburb located west of Detroit, Dearborn is host to more driving dangers than you’d think. Traffic isn’t necessarily an issue for the 93,000 people who call Dearborn home, as road hazards tend to take the form of more natural causes. Winter weather can be difficult to navigate here, and during October and November, deer regularly jump into the road with no warning. It’s recommended that Dearborn drivers regularly evaluate their auto insurance coverage to make sure it offers everything they need.

Car Insurance in Dearborn, MI

The average cost of Michigan car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Dearborn, MI to find you the cheapest quotes in the area.

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• Cheap Car Insurance Michigan

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Cheapest Car Insurance in Dearborn, MI

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Dearborn, MI

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Dearborn. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Michigan

All motor vehicles operated or parked on Michigan roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

Michigan’s unique No Fault insurance program includes multiple levels of protection available depending on residents’ Medicare or Medicaid status and the insurance status of relatives.

The minimum required insurance levels for Michigan^[1] are:

• $50,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $1,000,000 per accident for PPI

Property protection insurance, referred to as PPI coverage, is a type of coverage unique to Michigan. It acts similarly to traditional property damage insurance, but only applies to property damaged in accidents that occur within the state of Michigan.

The minimum liability insurance requirements for private passenger vehicles in Michigan are:

• $250,000 per person for bodily injury

• $500,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Michigan is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. In Michigan, this coverage only applies to out-of-state accidents.

Dearborn Car Insurance Rates by Driver Age

Unless mom and dad help, car insurance rates would be almost impossible for most Dearborn teens to pay, at $979 per month. That’s a rent payment for many people across the country. But it gets chopped down by over $450 for Michiganders in their 20s, who have more driving experience. Even drivers in their 50s pay more than the state average of $389 by $34. Years behind the wheel help, but drivers in Dearborn, and Michigan in general, are expensive to insure because of the no-fault rules and regulations.

Dearborn Car Insurance Rates by Driving and Accident History

Is an at-fault accident the best way to get a cheap policy in Dearborn or even the rest of the Great Lakes State? At $467 per month, the data can be misleading. Those with accidents or violations often strip down their policies to bare-bones coverage, with many opting for liability only. Those with no violations can afford to put comprehensive and collision coverage on their policies. Higher levels of coverage mean higher costs. After three years, speeding tickets and accidents stop affecting insurance monthly premiums, making drivers eligible for “good driver” and “accident-free” discounts.

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• High-risk Car Insurance Michigan

• DUI Car Insurance Michigan

Dearborn Car Insurance Rates by Credit Tier

Michigan is one of a handful of states that prevent the use of credit as a rating factor for car insurance. At $699, drivers with good credit pay the most in Dearborn. The reason may be that drivers with better credit finance costlier cars and get higher coverage levels to protect their assets. Those with excellent credit may be preferred by the insurance company in other ways. For example, they may bundle their home and car insurance, accounting for the lowered cost of $414 per month.

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Find local Dearborn agents

Dearborn, MI DMV Information

Dearborn proper is home to one DMV office, sometimes making it difficult to meet the needs of motorists in the area. This singular location is open Monday through Friday from 9 a.m. to 5 p.m., with the exception of Wednesdays, when the office is open from 11 a.m. to 7 p.m. If you need to visit the DMV and can’t take time off work, Wednesday is your best chance to access their services.

Public Transportation in Dearborn, MI

Public transportation in Dearborn is sorely lacking, almost completely necessitating the ownership of a car for those who live in the area. The Suburban Mobility Authority for Public Transportation has integrated stops in Dearborn among the larger Detroit bus routes, although it’s recommended that you utilize Uber, Lyft, or a taxi service for more consistent travel options.

For more detailed Michigan city level guides, check out these below.

• Average Cost of Car Insurance Rates in Michigan

• DUI Car Insurance Rates in Michigan

• High-Risk Driver Car Insurance Rates in Michigan

• Michigan Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Michigan

• SR-22 Insurance in Michigan

How to get the best and cheapest car insurance in Dearborn, MI

Dearborn residents have long struggled with the cost of auto insurance rates, and it’s understandable that some might take this frustration out on the road. Driving in Dearborn requires that you’re exceptionally alert, particularly during the fall and winter months. If possible, consider taking public transportation during these times to reduce your risk of an accident.

When you need to save money on car insurance, Insurify can help. Dearborn drivers can compare quotes from several companies at once and easily see which policy will save them the most money.

FAQs - Dearborn, MI Car Insurance