Cheap Car Insurance in Detroit, Michigan

Detroit became the center of the automotive industry in the United States when Henry Ford opened the Ford Motor Company in this city.

Driving Conditions

Driving during the wintertime can be a challenge because of the extensive snowfall that lasts from December to February. During the spring and summer months, Detroit residents continue to have driving challenges because of the severe thunderstorms. Drivers will need to take extra precautions during these times because thunderstorms often bring hail and very strong winds as well as the occasional tornado.

Odd Laws

Automobile sales are off-limits in Detroit on Sunday. Women who wish to try a new haircut must not do so without their husbands' permission. If they do, they have broken the law in Michigan.

Crime Statistics

According to the U.S. Census Bureau, Detroit had the second highest number of automobile thefts in 2012 when 1,419 vehicles were stolen. The bureau also recorded 2,070 incidents of larceny and 2,117 incidents of burglary in the city.

Safety Requirements

Seatbelt Law

Every driver of a motor vehicle and every front seat passenger must wear fastened seatbelts while the automobile is in motion. The exception is for vehicles that were manufactured before January 1, 1965.

Helmet Law

All motorcycle riders are required to wear crash helmets. The state of Michigan allows for exceptions to the crash helmet rule, and they apply to riders who are 21 years of age and older.

Handheld Law

Michigan drivers must not use their handheld cellular telephones while they are driving on the state's roads. Those who violate this provision will receive a $100 fine for the first offense. The second offense will mean a $200 penalty.

Texting Law

Michigan drivers are prohibited from reading messages and typing and sending messages on their two-way communication devices. The fine for the first offense is $100, and the fine for the second is $200.

Impaired Driving Law

A person under the age of 21 who is determined to have a bodily alcohol content equal to or greater than .02 percent will be charged with operating while intoxicated. If the driver is over the age of 21, the charge will apply if the bodily alcohol content is equal to or greater than .08 percent. Those found to be guilty of this charge will receive a fine of at least $100. The maximum is equal to $500. Offenders may receive a jail sentence of no more than 93 days. If their licenses have been suspended, offenders may be required to have the SR-22 form filed for them in order to reinstate their licenses.


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  • A Look! Insurance Detroit Southwest Agency


    Kris Hall
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    • State Of Michigan Resident Producer Property And Casualty

    • 0099405

    6724 Michigan Ave
    Detroit, MI 48210
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  • Look! Insurance-detroit Livernois


    17190 Livernois Ave
    Detroit, MI 48221
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Auto body shops Detroit, Michigan

Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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