🏠 Home insurance cost in Detroit, MI (2027)
Estimated average: $1,863 per year — -19% vs. the U.S. average of $2,300.
With about 620,376 residents, Detroit is a major metro and the largest city in Michigan. Home insurance rates here are estimated at $1,863 per year, above the Michigan average of $1,725 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Detroit with other Michigan cities.
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Detroit home insurance estimator
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Detroit home insurance FAQ
How much is home insurance in Detroit, MI?
The estimated average is $1,863 per year — above the state average (+8% vs. the Michigan average of $1,725, and -19% vs. the U.S. average).
Is home insurance more expensive in Detroit than elsewhere in Michigan?
Detroit has about 620,376 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Detroit?
Compare at least three quotes from insurers active in Detroit, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.