Short answer: home insurance in Detroit, MI 48209 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 48209 · Detroit, MI · Wayne County
Michigan statewide average: ~$1,056/yr (NAIC, 2022).
FAQ
How much is home insurance in ZIP 48209?
Rates in 48209 (Detroit, MI) depend on coverage and profile. Compare free home insurance quotes from licensed partners.
Is ZIP 48209 in Detroit?
Yes — 48209 is in Detroit, Wayne County, MI.
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