Detroit, MI Car Insurance

Free quotes from multiple companies in minutes

5/5 for Customer Satisfaction (134 Reviews)


The average Detroit resident's annual cost of car premium coverage


Our customer's average savings after comparing insurance


That's equal to 1 gallons of gas or $2,161 in savings

Compare Detroit, MI Car Insurance quotes from multiple companies in minutes!

Whether you live in Detroit, Dearborn, Livonia, Canton, Westland or somewhere else in Wayne County, Insurox offers choices for car insurance that could help you save hundreds of dollars a year.

Why spending 15 or even 7 ½ minutes online and receive only one quote and not get the best offer?

For the same time you can get over ten car insurance quotes and COMPARE side-by-side, all in a matter of minutes and then buy and manage your insurance policies online.

We don’t work for the insurance company! We work for you! Our job is to shop for you and find the best solution for you.

As a proud member of the Michigan community, we offer discounts to members of various college alumni groups, employers and associations across the state.

The Great Lakes State is perfect for enjoying long drives with its 256,806 miles of road. However, don't forget about the 7 milion other drivers you share the road with.
Let us help you make the best choice for your car insurance.

Detroit, Michigan Car Insurance Coverage Information

In Detroit, Michigan you are legally required to have these minimum coverages:


Bodily Injury $20,000 per person
Bodily Injury $40,000 per accident
Property Damage $10,000 per accident

Personal Injury Protection


Property Protection

$1,000,000 per accident

Liability coverage is legally required in Michigan and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident.

The coverage limits are determined by each individual state and normally split into three categories.

In Michigan, the minimum coverage is listed as 20/40/10 and explained below:

  • $20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault.

PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident.

In Michigan, the minimum PIP coverage limit is unlimited per person.

Most people opt for higher amounts of auto insurance coverage than the Michigan minimum in order to protect themselves in case of an accident.

Did you know this about the Great Lakes State?

Michigan is ranked #5 in the US for uninsured drivers
Michigan has the longest freshwater shoreline in the world.
You can use digital insurance cards in Michigan
Michigan's state stone, The Petoskey is the official state stone. It is found along the shores of Lake Michigan.
Licensed drivers
Uninsured drivers