Dearborn Forensic Rate Relief: PIP Choice Forensic Audit — $6,011 State Peak Reference
Market Disclaimer: All data sourced from Michigan Department of Insurance rate filings for April 2026. This does not constitute legal or licensed insurance advice. CarInsuranceQuote.ai is an independent research platform registered at 15 Brenthall Avenue, Suite 1, North York, ON M2R 0B3.
Dearborn's April 2026 forensic index of $3,892 per year reflects Wayne County unlimited PIP loading, dense I-94 and I-96 interchange collision frequency, and a documented vehicle theft rate of 38 per 1,000 registered — 2.1x the Michigan suburban average. Dearborn sits within Wayne County's highest-density insurance pricing band, sharing the I-94 and I-96 corridor with Detroit's documented collision surcharge. Under PA 21 of 2019, Dearborn drivers who carry employer-sponsored health insurance covering auto-injury medical costs can elect $250,000 PIP
| April 2026 Annual Premium | $3,892 |
|---|---|
| State Forensic Peak (Hamtramck) | $6,011 |
| Above National Average | +47% |
| Unlimited PIP Surcharge vs $500K | $76/mo avg |
| Theft Rate (per 1,000 registered) | 38 — 2.1x suburban avg |
| Top Carrier for Multi-Car | AAA Michigan |
Forensic Rate Relief Action Plan for Dearborn
AAA Michigan offers the most competitive rates in Dearborn for multi-car households — bundling two vehicles and electing $250,000 PIP saves an average of $1,040 per year compared to single-policy unlimited PIP at renewal.
Regulatory Timeline
| Apr 2026 | DIFS April 2026 filing — Wayne County corridor collision surcharge increases 9.4% year-over-year (DIFS Rate Filing 2026-MI-04) |
|---|---|
| Mar 2026 | DIFS: Dearborn unlimited PIP average surcharge confirmed at $76/mo above $500K election (DIFS Actuarial Bulletin MI-ACT-26-03) |
| Jan 2024 | PA 21 PIP Choice permanently in effect — six-tier election available at all Michigan renewals (Michigan PA 21 of 2019) |
| Jul 2020 | Michigan No-Fault Reform signed — Wayne County surcharge differential immediately visible in filings (Michigan PA 21 of 2019) |
What is the April 2026 car insurance rate in Dearborn?
The April 2026 forensic index for Dearborn, Wayne County, Michigan is $3,892 per year ($324 per month). Dearborn's April 2026 forensic index of $3,892 per year reflects Wayne County unlimited PIP loading, dense I-94 and I-96 interchange collision frequency, and a documented vehicle theft rate of 38 per 1,000 registered — 2.1x the Michigan suburban average.
Which carrier is best for Dearborn in April 2026?
AAA Michigan holds the most competitive actuarial filing for Dearborn in the current Michigan DOI rate schedule. Clean-record Dearborn drivers who compare at least 3 carriers at renewal save an estimated $1040 per year. AAA Michigan offers the most competitive rates in Dearborn for multi-car households — bundling two vehicles and electing $250,000 PIP saves an average of $1,040 per year compared to single-policy unlimited PIP at renewal.