Short answer: home insurance in Detroit, MI 48204 depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026
ZIP 48204 · Detroit, MI · Wayne County
Michigan statewide average: ~$1,056/yr (NAIC, 2022).
FAQ
How much is home insurance in ZIP 48204?
Rates in 48204 (Detroit, MI) depend on coverage and profile. Compare free home insurance quotes from licensed partners.
Is ZIP 48204 in Detroit?
Yes — 48204 is in Detroit, Wayne County, MI.
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