One in 162. That's roughly the odds of a car getting stolen in Redford Township in a given year, according to crime-data trackers — a figure that lands among the highest in the country, not just Michigan. For a township of just under 48,000 people tucked against Detroit's western border, that single number shapes a lot of what shows up on a car insurance quote.

It's not the whole story, though. Car insurance in Redford, Michigan also has to account for the same no-fault rules, driver-chosen PIP tier, and mandatory Property Protection Insurance every Michigan driver carries — plus a crime trend that's actually moving in the right direction, even if it hasn't caught up to the rest of the state yet.

Redford Car Insurance at a Glance

  • Default liability: $250,000/$500,000 bodily injury (opt-down to $50,000/$100,000 with a waiver)
  • PIP medical: driver-selected tier — unlimited, $500k, $250k, $250k w/ exclusions, or $50k (Medicaid)
  • Property Protection Insurance: mandatory, $1 million
  • Fault system: no-fault — PIP pays your medical bills and lost wages regardless of fault
  • Vehicle theft odds: roughly 1 in 162, among the highest in the nation
  • Overall crime rate: about 25 per 1,000 residents, down 24% from 2023 to 2024
  • ZIP codes: 48239, 48240
  • Regulator: Michigan Department of Insurance and Financial Services (DIFS)

The Number Insurers See First

Comprehensive coverage prices off theft and vandalism claims specifically, and Redford's theft numbers are hard for any carrier to ignore. A 1-in-162 chance of a stolen vehicle in a given year isn't just above the Michigan average — trackers that compile FBI crime data rank it among the highest theft odds anywhere in the country.

That's the main reason full coverage in Redford has been quoted as high as $5,440 a year, well above Michigan's statewide full-coverage average of $3,161. Dropping comprehensive to save a few dollars a month is exactly the wrong move here — it's the coverage doing the heaviest lifting on a Redford policy.

A Crime Rate Heading the Right Direction

The theft stat isn't the only data point worth knowing. Redford's overall crime rate — about 25 incidents per 1,000 residents, with property crime closer to 19 per 1,000 — actually dropped 24% between 2023 and 2024. That's a meaningful one-year improvement by any measure.

It hasn't erased the gap yet. Redford's crime rate still runs higher than roughly 91% of Michigan cities and towns, so carriers continue to treat it as elevated-risk territory. Insurers tend to price off multi-year trends rather than a single good year, which means today's improving numbers may take time to show up as lower premiums.

Two Places, One Name

Redford Township sits about 16 miles northwest of downtown Detroit, split across ZIP codes 48239 and 48240, with I-96 running east-west through the middle of the township and Telegraph Road (US-24) forming its eastern edge. Grand River Avenue cuts diagonally across as a third major corridor, and the average local commute runs about 25 minutes.

Confusingly, Detroit has its own Old Redford neighborhood immediately across the border, named after the same original settlement but rated as a separate territory. A Redford Township ZIP and an Old Redford, Detroit ZIP can carry noticeably different pricing even though shoppers sometimes assume they're the same place.

What Michigan Still Requires

None of the local theft or crime data changes the statewide floor. Every Redford driver carries a default $250,000 per person / $500,000 per accident bodily injury limit, unless they've signed a director-approved waiver to opt down to $50,000/$100,000. Every policy also needs a PIP medical tier chosen at renewal and $1 million in Property Protection Insurance, covering damage a vehicle causes to property other than another car.

Michigan's no-fault system means PIP pays your own medical bills and lost wages after a crash regardless of who caused it — the same rule whether the car is parked in Redford, Old Redford, or anywhere else in the state.

  • Keep comprehensive coverage — the theft odds make it worth carrying even on an older vehicle.
  • Ask about anti-theft and tracking-device discounts, which can offset part of the theft-driven premium.
  • Confirm your ZIP code rating — 48239 and 48240 don't always price identically.
  • Compare quotes from at least three insurers, since Wayne County pricing varies more by carrier than the township average suggests.

The Michigan Department of Insurance and Financial Services (DIFS) licenses every carrier writing policies in Redford and handles consumer complaints statewide — worth checking before signing with an insurer you haven't used before.

Redford's crime trend is improving, but its theft odds still sit near the top of the national list — until that changes, comprehensive coverage stays the most important line on a local policy. Our minimum vs. full coverage guide walks through when it's safe to trim that coverage, and our guide to lowering your premium covers discount stacking beyond what's listed here.