Car insurance in Dearborn is usually more expensive than car insurance in the rest of Michigan, due to factors like population density and accident rates.

In Michigan, a police officer can tell whether you have a valid No-Fault auto insurance policy on the car you are driving by running your license plate number through the Law Enforcement Information Network (LEIN) database, which law enforcement can access using an in-car computer in their vehicles.

If you have an auto accident, no-fault insurance pays for your medical expenses, wage loss benefits, replacement services, and the damage you do to other people's property. It does not matter who caused the accident. Your basic no-fault insurance does NOT pay for repairs to your car.

That's as much as 123% more than the national average of $2,508 per year or $209 per month. Below are the average costs for full coverage from the most affordable auto insurance companies in Michigan for adult drivers with one speeding ticket and good credit.