Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Dearborn Heights for teen drivers is USAA
  • Average car insurance rates in Dearborn Heights, MI for senior drivers are $11,016/year
  • Average car insurance rates in Dearborn Heights, MI are $1,374/month

Average car insurance rates in Dearborn Heights, Michigan are $1,374 a month. But with a little research you can get a great deal from the top car insurance companies in Dearborn Heights, MI. Before you buy Dearborn Heights, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

It may even be helpful to compare Dearborn Heights car insurance rates with Dearborn car insurance rates, Grand Rapids car insurance rates, or Warren car insurance rates to make sure you’re getting the best Dearborn Heights, MI car insurance quotes available.

Need affordable Dearborn Heights, MI car insurance? Enter your ZIP code to compare Dearborn Heights car insurance quotes from multiple car insurance companies near you.

Dearborn Heights, MI Minimum Car Insurance Coverage

Dearborn Heights, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Dearborn Heights, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Dearborn Heights, MI Car Insurance Rates by Coverage Level

Some Dearborn Heights drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Dearborn Heights, Michigan car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Dearborn Heights, Michigan

Insurance Company Low Medium High
Allstate $30,966 $31,843 $32,500
Farmers $32,549 $33,414 $34,563
GEICO $9,481 $10,006 $10,818
Liberty Mutual $22,675 $23,190 $23,873
Nationwide $9,039 $8,513 $8,414
Progressive $7,917 $8,141 $8,348
State Farm $16,682 $17,812 $18,570
Travelers $11,055 $11,166 $11,247
USAA $3,987 $4,138 $4,251

Dearborn Heights, MI Car Insurance Rates by Age, Gender, and Marital Status

Dearborn Heights, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Dearborn Heights, MI car insurance, get quotes from multiple car insurance companies in the Dearborn Heights area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Dearborn Heights, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $23,428 $23,428 $21,834 $21,834 $57,157 $57,157 $24,661 $24,661
Farmers $25,494 $25,494 $23,537 $23,537 $56,110 $56,110 $28,893 $28,893
GEICO $7,288 $7,288 $7,422 $7,422 $18,781 $18,781 $6,915 $6,915
Liberty Mutual $17,476 $17,476 $17,306 $17,306 $40,727 $40,727 $17,476 $17,476
Nationwide $6,030 $6,030 $5,325 $5,325 $16,616 $16,616 $6,652 $6,652
Progressive $4,957 $4,462 $4,341 $5,047 $17,521 $18,037 $5,746 $4,970
State Farm $10,543 $10,543 $9,856 $9,856 $37,951 $37,951 $12,401 $12,401
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $3,037 $2,852 $2,860 $2,685 $7,408 $6,969 $3,689 $3,505

Dearborn Heights, MI Car Insurance Rates for Teens

How much is Dearborn Heights, Michigan car insurance for teens? Compare rates from top Dearborn Heights car insurance companies below to help find the cheapest teen car insurance in Dearborn Heights, MI.

Annual Car Insurance Rates for Teen Drivers in Dearborn Heights, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $57,157 $57,157
Farmers $56,110 $56,110
GEICO $18,781 $18,781
Liberty Mutual $40,727 $40,727
Nationwide $16,616 $16,616
Progressive $17,521 $18,037
State Farm $37,951 $37,951
Travelers $22,645 $22,645
USAA $7,408 $6,969

Dearborn Heights, MI Car Insurance Rates for Seniors

Before seniors buy Dearborn Heights, Michigan car insurance, they should make sure to shop around. Some Dearborn Heights, MI car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Dearborn Heights, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $21,834 $21,834
Farmers $23,537 $23,537
GEICO $7,422 $7,422
Liberty Mutual $17,306 $17,306
Nationwide $5,325 $5,325
Progressive $4,341 $5,047
State Farm $9,856 $9,856
Travelers $6,400 $6,400
USAA $2,860 $2,685

Dearborn Heights, MI Car Insurance Rates by Credit History

How does your credit history affect Dearborn Heights, MI car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Dearborn Heights, Michigan

Insurance Company Poor Fair Good
Allstate $48,506 $26,694 $20,110
Farmers $50,083 $26,187 $24,255
GEICO $13,032 $9,540 $7,733
Liberty Mutual $36,791 $21,235 $11,712
Nationwide $10,880 $8,168 $6,918
Progressive $9,548 $7,897 $6,960
State Farm $28,757 $14,497 $9,810
Travelers $11,437 $11,087 $10,945
USAA $6,192 $3,524 $2,660

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Dearborn Heights, MI Car Insurance Rates by Driver History

How does a single speeding ticket affect your Dearborn Heights, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Dearborn Heights.

Annual Dearborn Heights, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $15,349 $20,564 $69,592 $21,574
Farmers $27,874 $36,081 $35,459 $34,621
GEICO $3,540 $7,485 $22,839 $6,542
Liberty Mutual $15,932 $19,480 $36,967 $20,606
Nationwide $7,380 $9,912 $8,996 $8,335
Progressive $6,757 $9,140 $8,188 $8,457
State Farm $11,064 $13,368 $29,496 $16,824
Travelers $7,561 $10,789 $17,326 $8,948
USAA $3,309 $4,146 $5,438 $3,608

Dearborn Heights, MI Car Insurance Rates With a DUI

Even a single DUI can increase your Dearborn Heights, MI car insurance rates. Compare rates below to see which Dearborn Heights car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Dearborn Heights, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $69,592
Farmers $35,459
GEICO $22,839
Liberty Mutual $36,967
Nationwide $8,996
Progressive $8,188
State Farm $29,496
Travelers $17,326
USAA $5,438

Dearborn Heights, MI Car Insurance Rates by ZIP Code

Just like Dearborn Heights car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Dearborn Heights, MI car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Dearborn Heights, Michigan

ZIP Code Average Annual Rates
48125 $11,123
48127 $12,334

Dearborn Heights, MI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Dearborn Heights, MI car insurance rates may be. Let’s take a look at average car insurance rates from top Dearborn Heights companies based on commute time.

Annual Car Insurance Rates by Commute Length in Dearborn Heights, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $31,770 $31,770
Farmers $33,509 $33,509
GEICO $9,867 $10,336
Liberty Mutual $22,456 $24,037
Nationwide $8,656 $8,656
Progressive $8,135 $8,135
State Farm $17,190 $18,186
Travelers $11,092 $11,221
USAA $4,077 $4,174

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Dearborn Heights, MI Cheapest Car Insurance Rates

How do the top Dearborn Heights, Michigan car insurance companies’ average rates stack up against the Dearborn Heights average monthly car insurance rates of $1,374? Take a look and see.

Best Annual Car Insurance Rates by Company in Dearborn Heights, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Dearborn Heights, MI Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Dearborn Heights, Michigan car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Dearborn Heights, Michigan

Insurance Company Average Annual Rates
Allstate $31,770
Farmers $33,509
GEICO $10,102
Liberty Mutual $23,246
Nationwide $8,656
Progressive $8,135
State Farm $17,688
Travelers $11,156
USAA $4,125

Other Factors Affecting Dearborn Heights, MI Car Insurance Rates

Before you buy Dearborn Heights, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Dearborn Heights, MI Car Theft Rates

The car theft rate in Dearborn Heights, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Dearborn Heights, Michigan is 119 stolen cars.

Dearborn Heights, MI Commute Time

How does your Dearborn Heights, MI commute time compare with the average driver? In Dearborn Heights, the average commute is 23.5 minutes.

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Dearborn Heights, MI Car Insurance Quotes

Compare Dearborn Heights, MI car insurance quotes from multiple companies by entering your ZIP code now.