I would say that unless the driver was 16-21, that rate sounds a little high. I would peg most responsible adult drivers at around $3000 - 4200/year. Still outrageous but not $6000--though I'm sure you could find an agency that bumped up their rates to $6K to avoid writing policies in Detroit and they would take your money. I'm basing this on paying my own insurance in Detroit since I was 16 and paying my wife's insurance since she moved here.

As someone who lives Downtown, however, most of the good areas are populated by folks who would gladly pay the high insurance rates for the access they have to amenities. I don't know how far outside of Detroit one would have to be insured to pay $80 a month for full coverage with a reasonable deductible but I'm guessing that my 4 minute commute to work would be slightly longer.