Detroit Car Insurance Insanity

**trotwood** · February-19-12, 06:34 PM

$80 a month Mike? Sounds like a pretty good deal compared to the quotes I've been given lately. Everyone's been quoting me at least $170 a month for basically nothing!

**MidTownMs** · February-19-12, 06:57 PM

Originally Posted by trotwood

$80 a month Mike? Sounds like a pretty good deal compared to the quotes I've been given lately. Everyone's been quoting me at least $170 a month for basically nothing!

$80 a month..where do you live?

**brizee** · February-19-12, 07:41 PM

It's ridiculous.

I 'm paying over 200/month for a 2010 Dodge with a freakin 1000 deductible.

**Bagley** · February-19-12, 08:00 PM

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.

**mikeg19** · February-19-12, 09:51 PM

Originally Posted by MidTownMs

$80 a month..where do you live?

I currently live in Warren off 696. Never had a ticket or accident and I'm 24. And I'm not sure how much a credit score plays into the insurance rate, but when I leased the car, it was over 800. Plus I've had Allstate for I think 3 years now.