Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Dearborn

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Dearborn Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

67Reviewed

45Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
18555 Fort Street, Riverview, MI 48193
  • Motorcyle & ATV

Why choose this provider?

For over 20 years, Champagne Agency has been providing its clients' insurance needs in the Dearborn area. It offers a wide array of insurance products under personal and commercial lines, which includes protection for family homes, personal and commercial cars, individual life, long-term care, and coverage for other business properties. Champagne Agency has received commendations from its policyholders for delivering excellent customer service and helping them find coverage at a reasonable rate.

License Verified:

License: 0099068

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4629 South Telegraph Road, Dearborn Heights, MI 48125
  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Why choose this provider?

Look Insurance Dearborn Heights is a local insurance agency headquartered in Dearborn. Its team of insurance agents is capable of insuring individuals regardless of driving and credit history. They offer insurance policies for different types of vehicles such as motorcycles and ATVs. The team is also available in assisting clients with car insurance lapses. Additionally, Look Insurance Dearborn Heights can accommodate clients after normal office hours to discuss their insurance needs.

License Verified:

License: 0119426

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (36)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
12850 Eureka Road, Southgate, MI 48195
  • Multiple Carriers

Why choose this provider?

Grendel-Wittbold Insurance has been providing insurance products and assistance since 1952. The business represents over 10 insurance carriers and helps Dearborn drivers shop for auto insurance plans. Its agents discuss coverages, answer clients' inquiries, and allow them to choose their policy. Furthermore, the company's customer service responds to insurance concerns via the website, phone call, or fax around the clock. Grendel-Wittbold Insurance provides insurance services with an emphasis on effective customer service.

License Verified:

License: 0025537

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (9)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
15206 Mack Avenue, Grosse Pointe Park, MI 48230
  • Multiple Carriers

Why choose this provider?

Noel Selewski Agency, Inc. is an independent insurance agency serving its clients in Dearborn and the nearby areas. Founded in 1979, the agency specializes in auto insurance services. It covers car-related damages or injuries including car collision and comprehensive, liability, and medical coverage for an injured person. The company also assists clients regarding investment properties. Additionally, home insurance, life insurance, and umbrella insurance are also available in the insurance policies.

License Verified:

License: 0015937

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
24623 Ford Road, Dearborn, MI 48128-1132
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Located in Dearborn, Marlin Insurance Agency is a business that provides auto, home, and commercial insurance in its locality. Its auto insurance coverage includes cars, motorcycles, motor homes, antique cars, and boats. Meanwhile, its home insurance can cover dwellings, liabilities, medical payments, and personal properties. Marlin Insurance Agency has a team of agents who will gladly work with policy buyers to design an insurance plan that meets their needs and budgets.

License Verified:

License: 0079907

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8258 Allen Road, Allen Park, MI 48101
  • Multiple Carriers

Why choose this provider?

Smith Insurance Group is an independent insurance agency serving the local community in Dearborn since 1903. It offers a full line of personal and business insurance products, including car insurance. Its team of insurance advisors helps clients make informed decisions regarding their insurance purchases. The agency assists its clients in comparing multiple quotes from its partner insurance companies, such as Auto-Owners Insurance, Progressive, Safeco, and Liberty Mutual. With its range of options, clients get the right balance of coverage and price.

License Verified:

License: 962149

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
23626 Van Born Road, Dearborn Heights, MI 48125
  • Multiple Carriers

Why choose this provider?

Phil Pappas is a car insurance agent serving clients in Dearborn. He provides auto insurance from State Farm that can include collision, comprehensive, rental, and rideshare coverage. He also offers additional coverage for new drivers, business travelers, and collectors. Additionally, he deals with homeowners', renters', life, business, and health insurance. Pappas also helps his clients open college savings accounts, retirement plans, and personal articles policies to protect their assets such as collectibles and jewelry.

License Verified:

License: 8823710

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5

Website
3031 West Grand Boulevard, Detroit, MI 48202
  • Bundling Option

Why choose this provider?

Cagwin Agency is an auto insurance provider serving Dearborn and other locations. Its founder, Randy Cagwin, is a former teacher who has been in the property and causality industry since 1983. The agency offers auto insurance through the Meemic Insurance for Educators Foundation, which has been serving the academic community's insurance needs in the last 60 years. Randy, who also provides life and health insurance, finds fulfillment in helping clients understand their insurance coverage and prepare for the future.

License Verified:

License: 0068720

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.9 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
22691 Michigan Avenue, Dearborn, MI 48124
  • Multiple Carriers

Why choose this provider?

The Dearborn Agency is an insurance agency located in Dearborn that provides insurance solutions to residents in the metro. It was founded in 1924 and is currently the oldest insurance company in the city. It has since written auto insurance policies that provide various options for collision coverages plus beneficial add-ons. It also has special insurance programs for teenagers and safe drivers. The Dearborn Agency is a woman-owned company committed to providing action-oriented services that work.

License Verified:

License: 0005477

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.0 / 5 (39)
Facebook
5.0 / 5 (37)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14319 Michigan Avenue, Dearborn, MI 48126
  • Multiple Carriers

Why choose this provider?

Najjar Insurance Agency is a Michigan-based insurance firm catering to residents of Dearborn and surrounding communities. Its team of insurance specialists offers exhaustive car insurance policies tailored to the clients' needs and driving histories. Their standard auto policies are inclusive of coverage for liability to others in case of bodily injury or property damage, collision and non-collision accidents, medical expenses, and maintenance. Clients may also obtain other insurance products, such as home and business coverage, through the agency.

License Verified:

License: 15825555

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
20943 Mack Avenue, Grosse Pointe Woods, MI 48236
  • Multiple Carriers

Why choose this provider?

Janet Coates is a State Farm Insurance agent based in Grosse Pointe, who also caters to residents near Dearborn, Harper Woods, and St. Clair Shores. Farmers Insurance provides a wide range of car insurance options such as collision, rideshare, and rental insurance. Coates specializes in auto insurance and provides other types of policies for properties, homes, businesses, and even pets. Loving the area and all it has to offer, Coates supports numerous events in the Grosse Pointe community.

License Verified:

License: 7135105

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Facebook
4.3 / 5 (6)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3099 Biddle Avenue, Wyandotte, MI 48192
  • RV & Motorhome

Why choose this provider?

AssuredPartners assists clients in Dearborn in managing their personal and business risks. The agency offers auto insurance plans and helps policyholders build adequate coverage by educating them about beneficial add-ons, such as medical payments and personal injury protection. Its agents also carry insurance products for motorcycles and RVs. In addition, they specialize in high-net-worth coverage options for coastal properties, private aircraft and watercraft, identity theft, and kidnap and ransom. AssuredPartners has been around since 2011.

License Verified:

License: 0109552

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (32)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.3
Responsiveness
Friendliness
Helpfulness
Detail
––

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Does Dearborn belong to a no-fault state when it comes to car insurance payments?

    Yes, Dearborn follows the no-fault system when it comes to car insurance payments. This means that regardless of who is at fault for the accident, insurance providers must reimburse their policyholders. You are allowed to select your PIP level, starting from no coverage if you have Medicare protection, up to unlimited PIP.

  • Can you sue someone in Dearborn if your medical bills exceed PIP coverage?

    Yes, you can sue the at-fault driver if your PIP coverage is insufficient to cover your medical expenses. Dearborn drivers are required by law to have the following minimum liability coverage:

    • $50,000 in bodily injury coverage per person. 
    • $100,000 in bodily injury coverage per accident. 
    • $10,000 in property damage coverage.
  • Why is car insurance so expensive in Dearborn?

    One of the primary reasons auto insurance is so expensive in Dearborn is the state-mandated high level of PIP coverage. At $4,078, Dearborn residents have the second-highest estimated annual auto insurance premium among all Michigan cities. Additionally, the city is prone to automobile accidents, a factor that raises insurance premiums.

  • What can you do as a Dearborn resident to save on car insurance costs?

    One of the most effective ways to keep your insurance rates low in Dearborn is to keep a clean driving record. Some insurance companies will even give discounts to drivers who have not broken any traffic laws for a certain number of years in a row. Vehicles outfitted with anti-theft technology may also be eligible for lower insurance rates.

  • Is UM/UIM coverage required in Dearborn?

    No, UM/UIM coverage is not required by law in Dearborn, but it can be useful if your expenses exceed your PIP coverage and the at-fault driver lacks liability insurance. UM/UIM coverage also includes hit-and-run accidents. You must provide evidence such as surveillance footage and police reports when filing a UM/UIM claim with your insurance provider.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.