Best Ann Arbor, MI Car Insurance in 2024
Car insurance in Ann Arbor, MI averages $700 a month. Ann Arbor, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Ann Arbor car insurance rates, compare quotes from the top car insurance companies in Ann Arbor, MI.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest ZIP code in Ann Arbor is 48104
- The cheapest car insurance company in Ann Arbor for teen drivers is USAA
- Average car insurance rates in Ann Arbor, MI after a DUI are $14,157/year
If you need to buy Ann Arbor, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Ann Arbor, MI is right here.
You’ll find Ann Arbor car insurance rates, the cheapest Ann Arbor, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Ann Arbor, Michigan car insurance rates to Troy car insurance rates, Warren car insurance rates, and Lansing car insurance rates.
Ready to find affordable Ann Arbor, MI car insurance today? Enter your ZIP code for fast, free Ann Arbor car insurance quotes.
Cheapest Ann Arbor, MI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Ann Arbor, MI car insurance rates? Every Ann Arbor, Michigan car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $14,425 | $14,425 | $13,269 | $13,269 | $38,024 | $38,024 | $15,240 | $15,240 |
| Farmers | $3,614 | $3,614 | $3,376 | $3,376 | $7,997 | $7,997 | $4,054 | $4,054 |
| Geico | $3,732 | $3,732 | $3,834 | $3,834 | $10,739 | $10,739 | $3,570 | $3,570 |
| Liberty Mutual | $11,419 | $11,419 | $11,307 | $11,307 | $26,750 | $26,750 | $11,419 | $11,419 |
| Nationwide | $3,089 | $3,089 | $2,769 | $2,769 | $7,816 | $7,816 | $3,368 | $3,368 |
| Progressive | $2,661 | $2,477 | $2,368 | $2,622 | $10,011 | $10,735 | $3,093 | $2,878 |
| State Farm | $5,899 | $5,899 | $5,471 | $5,471 | $20,796 | $20,796 | $6,937 | $6,937 |
| Travelers | $5,498 | $5,498 | $4,728 | $4,728 | $16,536 | $16,536 | $5,970 | $5,970 |
| USAA | $2,219 | $2,104 | $2,091 | $1,974 | $5,448 | $5,188 | $2,698 | $2,589 |
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Minimum Car Insurance in Ann Arbor, MI
Every driver must carry the minimum car insurance in Ann Arbor, MI. Take a look at the Michigan car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Ann Arbor, MI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Ann Arbor, MI. Compare credit history car insurance rates in Ann Arbor from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $30,421 | $16,976 | $13,322 |
| Farmers | $6,274 | $4,162 | $3,845 |
| Geico | $7,029 | $5,170 | $4,208 |
| Liberty Mutual | $24,049 | $13,912 | $7,711 |
| Nationwide | $5,297 | $4,031 | $3,454 |
| Progressive | $5,280 | $4,480 | $4,057 |
| State Farm | $15,831 | $8,030 | $5,466 |
| Travelers | $8,386 | $8,133 | $8,031 |
| USAA | $4,516 | $2,602 | $1,999 |
Cheapest Ann Arbor, MI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Ann Arbor, MI to rates for a clean record with top companies.
Read more: What are the DUI insurance laws in Michigan?
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $9,869 | $13,091 | $44,165 | $13,833 |
| Farmers | $4,009 | $5,094 | $5,030 | $4,908 |
| Geico | $1,895 | $4,074 | $12,368 | $3,539 |
| Liberty Mutual | $10,584 | $12,835 | $23,877 | $13,600 |
| Nationwide | $3,670 | $4,842 | $4,418 | $4,112 |
| Progressive | $3,922 | $5,127 | $4,606 | $4,768 |
| State Farm | $6,171 | $7,425 | $16,202 | $9,306 |
| Travelers | $5,527 | $7,904 | $12,766 | $6,536 |
| USAA | $2,452 | $3,052 | $3,983 | $2,669 |
Cheapest Ann Arbor, MI Car Insurance for Teen Drivers
Teen car insurance in Ann Arbor, MI can be expensive. Take a look at rates from the top car insurance companies in Ann Arbor for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $38,024 | $38,024 |
| Farmers | $7,997 | $7,997 |
| Geico | $10,739 | $10,739 |
| Liberty Mutual | $26,750 | $26,750 |
| Nationwide | $7,816 | $7,816 |
| Progressive | $10,011 | $10,735 |
| State Farm | $20,796 | $20,796 |
| Travelers | $16,536 | $16,536 |
| USAA | $5,448 | $5,188 |
Cheapest Ann Arbor, MI Car Insurance for Seniors
Take a look at Ann Arbor, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $13,269 | $13,269 |
| Farmers | $3,376 | $3,376 |
| Geico | $3,834 | $3,834 |
| Liberty Mutual | $11,307 | $11,307 |
| Nationwide | $2,769 | $2,769 |
| Progressive | $2,368 | $2,622 |
| State Farm | $5,471 | $5,471 |
| Travelers | $4,728 | $4,728 |
| USAA | $2,091 | $1,974 |
Cheapest Ann Arbor, MI Car Insurance Rates After a DUI
A DUI in Ann Arbor, MI increases car insurance rates. Compare Ann Arbor, Michigan DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $44,165 |
| Farmers | $5,030 |
| Geico | $12,368 |
| Liberty Mutual | $23,877 |
| Nationwide | $4,418 |
| Progressive | $4,606 |
| State Farm | $16,202 |
| Travelers | $12,766 |
| USAA | $3,983 |
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Cheapest Ann Arbor, MI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Ann Arbor, MI by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $20,240 | $20,240 |
| Farmers | $4,760 | $4,760 |
| Geico | $5,347 | $5,591 |
| Liberty Mutual | $14,703 | $15,745 |
| Nationwide | $4,261 | $4,261 |
| Progressive | $4,606 | $4,606 |
| State Farm | $9,524 | $10,028 |
| Travelers | $8,137 | $8,230 |
| USAA | $3,005 | $3,073 |
Cheapest Ann Arbor, MI Car Insurance Rates by ZIP Code
Ann Arbor car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Ann Arbor, MI.
| ZIP Code | Average Annual Rates |
|---|---|
| 48103 | $6,002 |
| 48104 | $5,889 |
| 48105 | $6,211 |
| 48108 | $6,102 |
| 48109 | $5,941 |
The Best Cheap Car Insurance Companies in Ann Arbor, MI
Take a look at a side-by-side comparison of the top car insurance companies in Ann Arbor, MI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $20,240 |
| Farmers | $4,760 |
| Geico | $5,469 |
| Liberty Mutual | $15,224 |
| Nationwide | $4,261 |
| Progressive | $4,606 |
| State Farm | $9,776 |
| Travelers | $8,183 |
| USAA | $3,039 |
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Category Winners: Cheapest Car Insurance in Ann Arbor, Michigan
Find the cheapest car insurance companies in Ann Arbor, MI for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Cheapest Ann Arbor, MI Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Ann Arbor car insurance rates. Find the cheapest Ann Arbor, MI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $19,716 | $20,286 | $20,716 |
| Farmers | $4,638 | $4,750 | $4,893 |
| Geico | $5,099 | $5,419 | $5,889 |
| Liberty Mutual | $14,872 | $15,189 | $15,611 |
| Nationwide | $4,422 | $4,198 | $4,162 |
| Progressive | $4,453 | $4,613 | $4,750 |
| State Farm | $9,334 | $9,830 | $10,164 |
| Travelers | $8,098 | $8,192 | $8,260 |
| USAA | $2,944 | $3,046 | $3,126 |
What affects car insurance rates in Ann Arbor, Michigan?
What factors can have an impact on Ann Arbor, MI car insurance? There are several reasons why Ann Arbor car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ann Arbor, Michigan.
Car Theft in Ann Arbor
High levels of vehicle theft can make car insurance more expensive. Ann Arbor, MI car theft statistics from the FBI indicate 67 vehicle thefts a year.
Commute Time in Ann Arbor
The more time you spend in your car the higher the risk of an accident. The average commute length in Ann Arbor, MI is 20.0 minutes according to City-Data.
Traffic in Ann Arbor
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Ann Arbor, MI traffic data from INRIX ranks Ann Arbor as the 170th-most congested in the world.
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Compare Car Insurance Quotes in Ann Arbor, MI
Ready to find affordable Ann Arbor, Michigan car insurance today? Enter your ZIP code for fast, free Ann Arbor, MI car insurance quotes.
Frequently Asked Questions
What is the average car insurance rate in Ann Arbor, MI?
The average car insurance rate in Ann Arbor, MI is around $700 per month.
What are the car insurance requirements in Ann Arbor, Michigan?
The car insurance requirements in Ann Arbor, MI are 20/40/10. This means you must have at least $20,000 in bodily injury liability coverage per person, $40,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
Do I need full coverage insurance if my car is financed?
If your car is financed, the lender will typically require you to have full coverage insurance. Full coverage insurance includes both liability coverage and comprehensive and collision coverage.
How can I find cheap car insurance rates in Ann Arbor, MI?
To find cheap car insurance rates in Ann Arbor, MI, it is recommended to compare quotes from multiple car insurance companies. This way, you can compare prices and coverage options to find the best rate for your needs.
How do age, gender, and marital status affect car insurance rates in Ann Arbor, MI?
Every car insurance company weighs age, gender, and marital status differently when determining insurance rates. Generally, younger drivers, male drivers, and unmarried drivers tend to have higher insurance rates. However, the impact can vary depending on the specific factors considered by each insurance company.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.