Best Dearborn, MI Auto Insurance in 2024 (Check Out the Top 10 Companies)

The best Dearborn, MI auto insurance providers are Progressive, Geico, and State Farm, with Progressive as the top pick overall. Progressive offers affordable rates starting at $110/month and excellent coverage.

Geico is ideal for budget-conscious drivers, while State Farm provides personalized support through local agents. This guide compares these providers to help you find reliable, affordable coverage tailored to your needs.

Our Top 10 Company Picks: Best Dearborn, MI Auto Insurance

#1 – Progressive: Top Overall Pick

Pros

• Competitive Rates for Michigan Drivers: Progressive has some of the lowest rates for Dearborn, Michigan car owners, saving residents money on their must-have insurance coverage.
  
• Comprehensive Digital Tools: A robust app and website make it easy for Dearborn drivers to manage insurance policies and file claims online.
• Snapshot Program Discounts: This program rewards safe driving habits and can thus save Michigan drivers a lot of cash. Check out our Progressive auto insurance review for more details.

Cons

• Higher Rates for High-Risk Drivers: Dearborn residents with poor driving records may pay higher premiums than the rest.
• Mixed Customer Satisfaction: Some Dearborn, Michigan customers report inconsistent claims service, which could impact overall satisfaction.

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#2 – Geico: Best for Affordable Premiums

Pros

• Affordable Premiums in Michigan: Geico offers some of the most budget-friendly car insurance options for Dearborn drivers. For additional information, refer to our Geico auto insurance review.
• Discounts for Safe Drivers: Offers significant savings for Michigan residents with clean driving records or who complete defensive driving courses.
• Highly Rated Financial Stability: Geico, with an A++ A.M. Best rating, offers claim payment insurance for Dearborn’s automobile drivers.

Cons

• Limited Agent Availability: Geico primarily operates online, which may not appeal to Dearborn drivers who prefer local, in-person insurance support.
• Higher Comprehensive Coverage Costs: Full coverage policies in Michigan can be pricier with Geico than those of other insurers.

#3 – State Farm: Best for Local Agents

Pros

• Accessible Local Agents in Dearborn: State Farm offers personalized service through a network of agents in Michigan, which is ideal for face-to-face support.
• Broad Range of Discounts: Michigan drivers can save with multi-policy bundles, accident-free discounts, and good student rewards. Learn more about State Farm’s auto insurance review.
• Reliable Claims Process: State Farm’s streamlined claims handling of accidents and repairs will ensure that Dearborn car owners get a quick resolution to an accident.

Cons

• Higher Base Rates in Michigan: Dearborn motorists may find State Farm’s minimum basic insurance coverage rates higher than its nearest competitor’s.
• Fewer Online Features: Limited digital tools may frustrate Michigan drivers who prefer managing their car insurance policies online.

#4 – Allstate: Best for Multi-Policy Discounts

Pros

• Extensive Multi-Policy Discounts: Bundling auto insurance with the customer’s homeowners or renters insurance can help residents of Dearborn save.
• Innovative Coverage Options: Dearborn drivers can customize their policies through features such as accident forgiveness and deductible rewards.
• 24/7 Claims Assistance: Allstate is available 24/7 so that Dearborn drivers can get timely help with their insurance claims. Gain further insights from our Allstate auto insurance review.

Cons

• Above-Average Premiums in Dearborn: Allstate’s rates for Michigan drivers may be higher than those of budget-friendly competitors.
• Mixed Customer Service Reviews: Some Dearborn policyholders report issues with responsiveness when managing their car insurance.Farmers Best Dearborn, MI Auto Insurance

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#5 – Farmers: Best for Customizable Policies

Pros

• Customizable Insurance Policies: Auto insurance in Dearborn, Michigan, can be customized to include optional coverage such as roadside assistance.
• Strong Discounts for Bundling: Offers savings for bundling car insurance with homeowners’ or renters’ policies in Dearborn. Check out our State Farm auto insurance review for more details.
• Educational Resources for Drivers: Farmers provides tools and articles to help Michigan residents better understand their insurance coverage.

Cons

• Higher Premiums for Standard Coverage: Dearborn car owners may pay more for basic policies than other Michigan insurers.
• Limited Agent Availability: Some Michigan residents might struggle to find a Farmers’ agent conveniently located in Dearborn.

#6 – Auto-Owners: Best for Reliable Coverage

Pros

• Highly Rated Claims Service: Auto-Owners is a reliable option for Dearborn drivers in Michigan, known for exceptional claims support.
• Financial Strength and Stability: Dearborn residents can trust Auto-Owners’ A++ A.M. Best rating for dependable car insurance. Look into our Auto-Owners auto insurance review for more details.
• Variety of Discounts Available: Michigan policyholders benefit from savings for safety features, good driving records, and bundling.

Cons

• Minimal Online Tools: Dearborn drivers may find it inconvenient to manage car insurance due to Auto-Owners’ limited digital services.
• Higher Premiums for Basic Policies: Michigan drivers might pay more for entry-level coverage than other Dearborn insurers.

#7 – The Hanover: Best for Personalized Service

Pros

• Tailored Insurance Policies: Dearborn car owners can choose from custom options, such as classic car coverage. For more information, read our Hanover auto insurance review.
• High-Touch Customer Support: Dearborn, Michigan, residents rely on hands-on service and personalized insurance consultations.
• Niche Coverage Options: Offers specialized add-ons like equipment breakdown and extended liability for Dearborn drivers.

Cons

• Premium Pricing in Dearborn: The car insurance rates at Hanover are much higher than the average Michigan resident is looking for.
• Limited Agent Network in Michigan: Dearborn drivers may struggle to find a local Hanover agent for in-person insurance support.

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#8 – Nationwide: Best for Comprehensive Discounts

Pros

• Comprehensive Discount Programs: Michigan drivers can save money by getting accident-free, multi-policy, and vehicle safety discounts in Dearborn.
• Vanishing Deductible Incentive: Reduces out-of-pocket costs for Dearborn car owners over time, rewarding safe driving.
• Personalized Coverage Reviews: Nationwide offers regular policy reviews to help Michigan residents optimize their car insurance coverage.

Cons

• Average Claims Satisfaction Ratings: Some Dearborn customers report delays in claims handling compared to other Michigan insurers.
• Limited High-Risk Driver Options: Nationwide may not offer affordable solutions for Dearborn residents with poor driving records.

#9 – Liberty Mutual: Best for Flexible Coverage Options

Pros

• Customizable Coverage Plans: In Dearborn, Michigan, car owners can add their touches to policies with new car replacement and accident forgiveness coverage.
• Strong Digital Support Tools: Dearborn drivers can manage policies, file claims, and access assistance using Liberty Mutual’s user-friendly app.
• Competitive Bundling Discounts: Dearborn residents enjoy big discounts on bundling car insurance with renters’ or homeowners’ policies. Learn more in Liberty Mutual auto insurance review.

Cons

• Higher Premium Costs in Michigan: Dearborn drivers may find Liberty Mutual’s prices for car insurance above average for standard coverage.
• Varied Agent Availability: Some Dearborn policyholders may find locating nearby agents for in-person insurance assistance challenging.

Pros

• Designed for High-Risk Drivers: Affordable auto insurance quotes for Dearborn drivers with bad credit or numerous traffic tickets.
• Quick and Simple Online Quotes: Michigan drivers can easily get coverage through The General’s straightforward quote system.
• Affordable Liability Coverage: The General specializes in budget-friendly minimum coverage for Dearborn car owners. For in-depth insights, review our The General auto insurance review.

Cons

• Fewer Add-On Options: Michigan residents seeking comprehensive insurance features may find limited choices with The General.
• Inconsistent Claims Satisfaction: Some Dearborn drivers report delays or challenges during the claims process with The General.

Dearborn, MI Auto Insurance Monthly Rates by Provider & Coverage Level

Auto Insurance Discounts From the Top Providers in Dearborn, MI

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Dearborn, MI Auto Insurance | Cheap Car Insurance in Dearborn, MI

SECURA offers cheap car insurance in Dearborn, MI, with rates as low as $56 per month. Michigan auto insurance requires all drivers to carry 20/40/10 liability coverage. However, we recommend carrying more than the Dearborn, MI auto insurance minimum, or you may be in trouble if you have an accident.

Dearborn is an offshoot of the Detroit metropolitan area and Henry Ford’s birthplace. There, Ford established the company’s largest factory, the River Rouge Complex.

Dearborn also has an offshoot Campus of the University of Michigan within its city limits. It is currently the 8th largest city in the state.

Fun fact: America is a beautiful melting pot of a country—and nowhere is that more evident than in Dearborn, which is #1 on the list of the top 100 cities with the largest percentage of Lebanese residents!

Are you having trouble finding cheap auto insurance in Dearborn, MI? At AutoInsuranceEZ.com, we know how challenging this can be, so we started the site.

We want to help drivers like you – who have particularly stiff challenges finding affordable coverage – get a fair rate for your monthly premiums. And we have the right expertise to show you how to do it. Use our FREE quote tool to compare insurance rates today!

Auto Insurance Coverage Requirements in Michigan

Michigan Minimum Auto Insurance Requirements

Do you know how much coverage your vehicle needs? If it’s a newer vehicle, it may need additional coverage options, such as gap-loss coverage for brand-new vehicles, whether leased or financed.

You may also need comprehensive and collision coverage for leased vehicles – and you may want to do the same if you are financing your ride.

Lastly, if you don’t need extra fancy forms of coverage to keep your vehicle in good shape, don’t immediately shrug off purchasing higher liability coverage limits. It could protect you in the event of a lawsuit.

The average auto insurance cost in Michigan is around $213 a month. Living in Dearborn means that your premiums will probably be higher than that number – if not above it – than most other drivers in the state because you live so close to Detroit.

But that doesn’t mean you don’t deserve more affordable Dearborn, MI auto insurance. We will be happy to help you find the right price if you let us.

Cheapest Car Insurance in Dearborn, MI

Average Monthly Auto Insurance Premiums in Dearborn, MI

Allied and Farm Bureau are some of the more expensive insurance providers in the area, with Hastings and SECURA being on the more fordable end of the spectrum.

But all of that might change when you get your custom-built quote from any of the Dearborn, MI, auto insurance companies mentioned so far. There are so many variables to look at that it can be hard to guess accurately based on our estimates alone.

That’s why you must shop between companies that supply Michigan auto insurance. After all, your circumstances may differ completely from the hypothetical person we used to collect data samples for our site.

But we don’t want to deal with hypotheticals. We want to deal with real people like you who need an affordable monthly premium but don’t have the time or energy to find it themselves. We’ve got your back.

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Major Factors in Cheap Car Insurance in Dearborn, Michigan

Some drivers are surprised to learn how complicated it is for insurance companies to calculate a fair premium for their customers. They want to hedge their bets so that they don’t charge too little for a bunch of risky drivers and go out of business paying out claims.

But at the same time, if they charge too much, they won’t have a business to go out of because nobody will buy insurance from them. So here are all the things that matter to your insurance provider when you request Dearborn, MI, auto insurance quotes:

Your ZIP Code

The last time anyone counted, only 94,430 people lived in Dearborn. That’s certainly not the smallest town in the world, but it is smaller than similar Michigan cities.

Furthermore, the median household income is slightly over $49,257, an increase over previous years.

Insurance companies have special mathematical models that help predict your likelihood of getting into an accident based on statistics like the population and property values of your ZIP code. The less likely their math says you will get into a wreck, the more favorable your premium will be.

Dearborn, MI Auto Insurance by ZIP Code

Automotive Accidents

When you compare the rate of auto accidents in Dearborn to cities of a similar size, it has a slightly higher per capita accident rate than most insurance companies would be comfortable with. But this doesn’t mean you have to accept a higher monthly premium.

You should contact your insurance company and ask them what you can do to prove that you are safer than the average driver. Owning a vehicle with good safety features is a plus, and there may be defensive driving courses that you can take to lower your risk.
Dearborn, MI Fatal Accident Statistics

Auto Thefts in Dearborn

Auto thefts in Dearborn have been fluctuating recently, but the good news is that they are substantially lower than they have been at any point in the last 15 years.

Only 372 vehicles were reported stolen in Dearborn last year. This risk reduction, in addition to taking proactive steps like installing an alarm system on your vehicle, can help you get a small discount if you negotiate one with your insurance agent.

Collision vs. Comprehensive Auto Insurance Monthly Rates by Provider in Dearborn, MI

Your Credit Score

You must find out right now if you don’t know your credit score! Not only will knowing your score help you with your car insurance search, but it’ll help you with many other things in life.

The more you know about your credit score and the harder you work to manage it, the easier it will be to finance large purchases, get affordable insurance premiums, and even buy a home.

You should find a free credit reporting website and get your score today. Just look at the chart below—it makes a big difference!

Auto Insurance Monthly Rates by Credit Score in Dearborn, MI

Your Age

If you are a young driver, submitting proof of good grades and/or a driver education course can help you get a small but not insignificant discount on your premiums.

If you are the parents of a young driver, you should not only encourage them to do both of the things we just mentioned, but you might also want to bundle them together with you on a family auto policy.

Unfortunately, due to their lack of experience, young driver car insurance is going to be expensive no matter what—but there are things you can do to reduce the sting.

Dearborn, MI Auto Insurance Monthly Rates by Age

Your Driving Record

Most car insurance companies will book anywhere from three to five years into your past and weigh your past tickets, accidents, and filed claims against you.

Unfortunately, the only thing you can do about this is drive as safely as possible and wait for those incidents to expire from your record.

After that, you’ll be able to save just as much money as the next person who has never gotten a single ticket or accident in their life.

Dearborn, MI Average Monthly Auto Insurance Rates by Driving Record

Your Vehicle

Different vehicles have different insurance needs. But no matter what, you will need at least some form of liability coverage so that any injured parties aren’t left high and dry if you cause an accident and hurt someone else.

Beyond that, you only need things like collision, comprehensive, gap loss, or incidentals such as roadside assistance if you want them.

Then again, the bank that lent you your car loan or the dealership you’re leasing your vehicle from may require you to purchase extra coverage because—technically—it’s their property, too, and they want it protected.

Dearborn, MI Auto Insurance Monthly Rates by Vehicle Type

Minor Factors in Cheap Auto Insurance in Dearborn, Michigan

Of course, tweaking some of the factors below can add up to some extra savings over time:

Your Marital Status

Marriage is great for a very good reason: you can save money on car insurance! All joking aside, however, you can get as much as 10 percent or more off your monthly premium if you and your spouse decide to bundle together on the same policy.

But if you find a better deal staying separate, your insurance provider would likely give you a percentage point or two off your monthly premiums just for being married.

Your Gender

Some people believe that women are more dangerous drivers because they are too emotional and tend to panic in dangerous situations. Others point their fingers at men, elucidating that they drive more aggressively and create dangerous situations in the first place.

Regardless of what people say, the only opinion you need to be concerned with is that of your insurance company. Because if they think you are more dangerous behind the wheel just because of how you were born, you may be better off getting a more affordable quote from a company that doesn’t care.

Your Driving Distance to Work

Living in Dearborn means you could drive to work as little as 10 to 15 minutes daily. And the shorter your commute time, the better. That means you’re spending less time on the road during rush hour traffic, which can drastically reduce your likelihood of getting into an accident.

You’ll need this reduction because Dearborn has a higher percentage of residents who drive their vehicles to work instead of taking other forms of transportation, which creates more congestion on the road and increases the likelihood of accidents.

Another great way to save money is to drive fewer miles and try to be on the road only when traffic is light. Most car insurance companies today offer a device you can plug into your car to track your mileage and driving time.

The more favorable your conditions, the more you can save off your monthly premiums!

Your Coverage and Deductibles

There’s an inverse relationship between your deductible and your monthly premium. The deductible is a lump sum paid in full after you file a claim against your collision or comprehensive coverage.

If your vehicle is damaged in an accident that was not your fault (or caused by an act of God), it will take at least a few hundred dollars to get you back on the road.

Some companies charge as much as $1,000 or more for a deductible, which can give you a lower monthly premium – but if you don’t have that money stashed away when it’s time to pay up, it can throw your life out of balance in a city where having your transportation is so important.

Education in Dearborn, MI

Only 16.3% of Dearborn residents hold a bachelor’s degree. Meanwhile, 22.4% of people living in Dearborn have not yet completed their high school education, more than double the number of non-graduates in the state.

But the good news is this leaves plenty of room for growth and improvement.

The more education you get, the more money you can save on your monthly premiums. Many insurance companies now offer discounts for people with bachelor’s degrees or higher.

Certain vocational skills and military service can lower your Dearborn, MI auto insurance rates.

Education-wise, the University of Michigan-Dearborn and the Henry Ford Community College are the biggest draws to Dearborn. There are also private universities like the Everest Institute and the Sanford-Brown College-Dearborn, where you can try to get an advanced degree for an affordable price.

If you are unsatisfied with your current service, you are definitely in the right place to fix that problem. You should get quality customer service and 24/7 support from an insurance provider who cares about you.

Most importantly, your area’s most affordable rate would be best.

If your insurance company doesn’t provide both of those, you need to shop around with us. In as little as five minutes, we can get you a better rate from a more competent provider.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and owns his own home.

The national average was used to calculate the annual miles driven. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Use our FREE quote tool to compare insurance rates today!