Detroit Auto Insurance


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The Motor City has seen a large decrease in population over the past half century. With just under a million people living in the city of Detroit proper, and an additional 3.5 million living in the surrounding metropolitan area, driving in the city known for the automobile can be daunting. Detroit also has one of the highest level of vehicle crime in the United States. Here are some automobile-related statistics for Detroit, Michigan:

  • 23,603 vehicle thefts in 2009
  • Average commute time of 26.1 minutes
  • 17% of drivers are uninsured

With a high number of auto accidents and a large percentage of uninsured drivers, comprehensive Detroit auto insurance is a necessity. Owners of passenger vehicles must purchase Michigan no-fault insurance from a licensed insurer before registering their vehicle. The state of Michigan has established the minimum requirements in order to register an automobile and receive license plates, which includes the following:

  • Residual Liability Insurance
  • Personal Injury Protection
  • Property Protection Insurance

Michigan law requires drivers to buy and retain proof of no-fault insurance. Liability insurance includes bodily injury and property damage insurance, which provide a certain level of coverage in the event you are sued as the result of causing death or serious injury, damage to other automobiles, or out of state accidents. However, you are responsible for paying any amount required over the amount covered by your insurance plan. Personal injury protection will pay all of your medical costs, including lost wages, for up to three years. Property protection insurance will pay up to $1 million for in-state damage caused by your vehicle.

Because of the high prices of vehicles and medical care, minimum insurance coverage may not be enough if you are found liable for causing an accident. Consider purchasing other insurance products if you are an Detroit driver, such as medical payment coverage, collision insurance, or uninsured motorist coverage.

It is important to remember to shop for low prices as well as quality service. Many auto insurance companies will adjust your premium based on the location in which your vehicle is registered. Obtaining as many valid discounts as possible is highly recommended. SmartAutoInsurance.com is dedicated to finding reliable and quality Detroit automobile insurance quotes.

Principal Department of Motor Vehicles locations are listed here:

  • 3046 W. Grand Blvd., Detroit 48202
  • 7760 West Vernor Hwy., Detroit 48209
  • 14634 Mack Ave., Detroit 48215
  • 17500 Livernois Ave., Detroit 48221
  • 9560 E. 8 Mile Rd., Detroit 48234
  • 8717 Joseph Campau St., Hamtramck 48212
  • 5094 Schaefer Rd., Dearborn 48126
  • 21572 Ecorse Rd., Taylor 48180
  • 3040 Van Horn Rd., Trenton 48183

The phone number for the DMV in Detroit is (888) 767-6424.