🏠 Home insurance cost in Detroit, MI (2026)
Estimated average: $1,863 per year — -19% vs. the U.S. average of $2,300.
$1,863
Est. home insurance in Detroit
per year
$1,725
Michigan average
$2,300
U.S. average
620,376
Population
Estimate your home insurance in Detroit
Detroit home insurance estimator
Estimated$1,174/year
Starts from the Detroit estimate. Get quotes to confirm your price.
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.