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detroit car insurance

There's no denying Motor City's colossal influence on the automobile industry — from building the first mile of paved concrete road outside of Henry Ford's Model T factory to the Davison, the first urban freeway built by any U.S. city. And the list goes on for, well, miles.

In the same spirit, Esurance lives and breathes innovation in the auto insurance industry. We offer reliable coverage for your car, complete with cutting-edge online technology like Express Lane® and CoverageMyWay® that empower you to make smart decisions when it comes to your protection. Get a personalized Detroit car insurance quote to see how much time, money, and hassle you could save.

detroit auto insurance discounts

We search the highways and byways for opportunities to save Detroit residents some cash on their car insurance. Our discounts include:

Anti-Theft discount

If your car has an approved theft deterrent — including basic car alarms and tracking devices like Lojack® or Teletrac® — you stand to save.

Fast 5® discount

Easier to nab than a fresh fish from one of the Great Lakes, you can score this discount automatically just by starting your Esurance quote online.

Multi-Car discount

The more the merrier! Insure more than one vehicle on the same Esurance policy and you could save big.

If you currently have an Esurance policy and have questions about discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

required coverages in motor city

Anyone who drives in Detroit will tell you: auto insurance isn't taken lightly in the Wolverine State. Your state's required coverages — despite offering some of the most wide-ranging protection in the country — are complex and sometimes confusing.

To put it simply, motorists in Motor City are required to carry the following minimum limits on their policies:

  • $20,000 of bodily injury liability coverage per person
  • $40,000 of bodily injury liability coverage per incident
  • $10,000 of property damage liability coverage per incident (outside your state's borders)
  • $1,000,000 of property protection insurance (for incidents within Michigan)
  • Personal injury protection (no limit)

Learn more about how each coverage works on our Michigan car insurance page.

optional coverages for your policy

These protections can provide added financial security and peace of mind if you ever need to make a claim.

Uninsured/underinsured motorist bodily injury

This coverage can help pay accident-related medical bills for you and your passengers if you're ever hit by an uninsured/underinsured driver.

Custom parts and equipment

Want protection for your custom Pistons paintjob? Custom parts and equipment coverage can help safeguard what makes your ride truly yours.


From theft and vandalism to glass damage and more, comprehensive coverage can help repair or replace your car after a covered incident.

local repair shops

That pebble-sized hole in your windshield might leave you feeling like Detroit is nicknamed Rock City for reasons other than music. But fret not — we offer a huge network of trustworthy E-Star® repair shops in your area that can help you get back on the road in no time.

Plus, you can even check your ride's progress with our innovative RepairView® tool, which provides you with daily photos of your beloved road warrior.

Here are just a few E-Star garages in the Detroit area.

Gerber Collision & Glass — Warren
13741 E. 9 Mile Rd.
Phone: 586-772-8877

Adrian's Collision Center
25353 Trowbridge St.
Phone: 313-791-6100

Nortown Collision & Glass Co.
20035 Van Dyke Ave.
Phone: 313-893-1113

Jack Demmer Collision Center
14641 Prospect St.
Phone: 313-584-1182

Pole Position Auto Body
26777 Bunert Rd.
Phone: 586-775-4825

Eureka Body & Fender, Inc.
1801 Eureka Rd.
Phone: 734-285-9585

And there's more where these came from. You can find the closest shop quickly and easily just by entering your ZIP Code.

driving in detroit

Wayne County car crashes

Home to Detroit, Wayne County saw about 3 times more crash-related fatalities than any other county in the state in 2013, according to stats from Michigan State Police.

Out of nearly 45,000 crashes, 151 resulted in fatalities, almost 10,000 resulted in injury, and about 35,000 resulted in property damage.

Carjacking trends

There were more than 700 carjackings in the city in 2013, according to the Detroit Police Department. Though still a significantly higher rate than cities of similar size, that's down from 850 in 2011.

Luckily, comprehensive coverage can help repair or replace your vehicle if it gets stolen or vandalized.

Related links

Does "full coverage" cover it all?
Learn more about what's included in your coverage and what's not.

Dangers of winter driving
Freezing rain, flooding, and bitterly cold temperatures can all wreak havoc on road conditions.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.