UPDATED: Mar 13, 2020
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Cheap Car Insurance in Dearborn, MI
Are you having a difficult time trying to find cheap auto insurance in Dearborn, MI? At AutoInsuranceEZ.com, we know how much of a challenge this can Be. That’s why we started the site in the first place.
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 had just the right expertise to show you how to do it.
Dearborn is an offshoot of the Detroit metropolitan area and also the birthplace of Henry Ford. As a matter of fact, Ford went on to establish the largest Ford factory out of the entire company there, known as the River Rouge Complex.
The city of Dearborn also has an offshoot Campus of the University of Michigan located 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 top 100 cities with the largest percentage of Lebanese residents! Learn more about Dearborn here.
Auto Insurance Coverage Requirements in Michigan
Driving legally in Dearborn requires:
|Bodily Injury Liability||20,000/40,000||100,000/300,000|
|Property Damage Liability||10,000||100,000|
|Uninsured Motorist Bodily Injury||Not required||20,000/40,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||100 deductible|
Do you know how much coverage your vehicle needs? Well, 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 to carry comprehensive and collision coverage for leased vehicles – and you may want to do the same if you are financing your own ride.
Lastly, if you don’t feel like you need extra fancy forms of coverage to keep your own vehicle in good shape, don’t immediately shrug off purchasing higher limits of liability coverage. It could protect you in the event of a lawsuit.
The average cost of auto insurance in Michigan is right around $213 a month. Living in Dearborn means that your premiums are probably going to be higher than that number – if not above it – than most other drivers in the state due to the fact that you live so close to Detroit.
But that doesn’t mean you don’t deserve a more affordable premium. We will be more than happy to help you find the right price if you let us.
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 own, custom-built quote from any of the companies mentioned so far. There are so many variables to look at that it can be hard to accurately guess based on our estimates alone.
That’s why you need to shop around between companies that supply Michigan auto insurance. After all, your personal circumstances may be completely different from the hypothetical person we used to collect data samples for our site.
But we don’t want to deal in hypotheticals. We want to deal with real people like you who need an affordable monthly premium but don’t have the time or the energy to take on the tedious task of finding it themselves. We’ve got your back.
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Major Car Insurance Factors in Dearborn
Some drivers are very surprised to figure out exactly how complicated it is for insurance companies to calculate a fair premium for their customers. Obviously, 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 a quote:
Your Zip Code
There were only 94,430 people living in Dearborn the last time anyone counted. That’s certainly not the smallest town in the world, but it has a smaller population compared to similar Michigan cities.
Furthermore, the median household income is a little over $49,257, which is an increase over previous years.
Insurance companies have special mathematical models which 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 are to get into a wreck, the more favorable your premium will be.
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 in order to lower your risk.
Auto Thefts in Dearborn
Auto thefts in Dearborn have been going up and down recently, but the good news is they are substantially lower than they’ve been at any point in the last 15 years.
There were only 372 vehicles reported stolen in Dearborn last year. This reduction of risk, in addition to taking proactive steps like installing an alarm system on your vehicle, can help get you a small discount if you negotiate one with your insurance agent.
Your Credit Score
If you don’t know what your credit score is, you need to find out right now! 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.
So you should start by finding a free credit reporting website and getting your score today. Just look at the chart below – it makes a big difference!
If you are a young driver, submitting proof of good grades and/or a driver education course can help get you a small but not insignificant discount for 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 take the sting off of it.
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 really 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.
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 really want them.
Then again, the bank who 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.
Minor Car Insurance Factors in Dearborn
Of course, tweaking some of the factors below can add up to some extra savings over time:
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Your Marital Status
Marriage is great for a very good reason: you get to 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 happen to 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.
Some people believe that women are more dangerous drivers because they are too emotional and tend to panic in dangerous situations. Others point the finger at men, elucidating that they drive more aggressively and create those 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 who doesn’t care.
Your Driving Distance to Work
Living in dearborn means that you could spend as little as 10 to 15 minutes driving to work each day. 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.
And you’ll need this reduction since dearborn has a higher percentage of residents who drive their own vehicle to work instead of taking other forms of transportation, which puts more congestion on the road and makes accidents more likely.
Another great way to save money is to drive fewer miles in general, and to try and only be on the road when traffic is light. Most car insurance companies today have a device you can plug into your car to track your mileage and your 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 you pay in full after you file a claim against your collision or your comprehensive coverage.
Basically, if your vehicle is damaged in an accident that was not your fault (or by an act of god), it’s going to take a few hundred dollars at least 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 really throw your life out of balance in a city where having your own transportation is so important.
Education in Dearborn, MI
Only 16.3% of Dearborn residents hold a bachelor’s degree. Meanwhile, 22.4 percent of people living in Dearborn have not yet completed their high school education. This is more than double the number of non-graduates in the entire 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 these days are offering discounts for people who go on to get a bachelor’s degree or higher.
Certain vocational skills and military service can also lower your rate.
The biggest draws to Dearborn, education-wise, are the University of Michigan-Dearborn and the Henry Ford Community College. There are also private universities like the Everest Institute and the Sanford-Brown College-Dearborn, where you can try your luck at getting an advanced degree for an affordable price.
If you are unsatisfied with your current service for any reason, then you are definitely in the right place to fix that problem. You should be getting quality customer service and 24/7 support from an insurance provider who cares about you.
Most importantly, you should have the most affordable rate available in your area.
And if your insurance company isn’t providing both of those, then you need to shop around with us. We can get you a better rate from a more competent provider in as little as five minutes.
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, who owns his own home.
Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.