120+ more*Quotes generated for Insurify users in and around Ann Arbor, Michigan within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Ann Arbor, Michigan within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Updated
Drivers in Ann Arbor, Michigan, pay an average of $115 per month for state-minimum car insurance and $211 for full coverage.
That’s less than nearby Westland and significantly more affordable than the nearest metro area, Detroit. Ann Arbor’s car insurance rates are also quite a bit less than the overall average rates in Michigan of $130 and $229 per month.
This is likely due to the city-enforced “safety corridors,” which feature increased traffic law enforcement to reduce accidents, traffic injuries, and deaths on local roads.[1]
The state of Michigan requires $50,000 in bodily injury liability per person and $100,000 per accident, plus $10,000 in property damage liability. Drivers also need to carry at least $250,000 in personal injury protection and $1 million in property protection insurance.[2]
USAA is the most affordable Ann Arbor car insurance option for this coverage, with rates averaging $63 per month. Here’s a look at the cheapest car insurance companies for liability-only insurance in Ann Arbor.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $63 |
| USAA | $63 |
| Chubb | $68 |
| National General | $96 |
| Safeco | $101 |
| Progressive | $102 |
| Liberty Mutual | $117 |
| Allstate | $119 |
| Bristol West | $126 |
| Direct Auto | $127 |
| State Farm | $129 |
| GEICO | $146 |
| Travelers | $150 |
| Insurify Car | $158 |
Liability quotes start at $63/mo.
Some Ann Arbor drivers may want to purchase more than just Michigan’s minimum liability insurance due to the city’s harsh winters. The area gets an average of nearly 42 inches of snowfall per year, which can make local roads hazardous.
The cheapest car insurer for full coverage in Ann Arbor is Auto-Owners, which has an average premium of $107 per month.
Check out the cheapest car insurance companies for full-coverage insurance in Ann Arbor below.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $107 |
| USAA | $107 |
| Chubb | $117 |
| Progressive | $148 |
| Safeco | $177 |
| Liberty Mutual | $209 |
| National General | $214 |
| GEICO | $216 |
| State Farm | $220 |
| Bristol West | $247 |
| Allstate | $250 |
| Travelers | $256 |
| Direct Auto | $268 |
Agent Tip: Why you should opt for full coverage insurance
“Michigan has fairly high minimum liability limits, but liability-only insurance still won’t cover any damage to your car. If you’re concerned about damage from winter weather, a fender bender with a U of M student going to class, or a deer collision, it’s worth looking into full coverage.”
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Ann Arbor car insurance rates are lower than those in many other neighboring cities and lower than the state average.
This could be due to the city’s lower-risk drivers. Just 3% of Ann Arbor drivers have speeding tickets, the lowest percentage of all Michigan cities, according to Insurify data. Ann Arbor drivers also have an average annual mileage of only 8,651, per Insurify data. That’s the second-lowest mileage in the state, with Dearborn being the lowest. Less time on the road can help lower insurance rates.
See the table below for a look at how Ann Arbor’s car insurance premiums compare to those in other cities in Michigan.
City | Average Monthly Quote |
|---|---|
| Battle Creek | $159 |
| Grand Rapids | $159 |
| Lansing | $162 |
| Kalamazoo | $163 |
| Rochester | $185 |
| Flint | $196 |
| Westland | $207 |
| Clinton Township | $228 |
| Warren | $240 |
| Southfield | $252 |
| Dearborn | $331 |
| Detroit | $343 |
*Quotes generated for Insurify users in and around Ann Arbor, Michigan within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Ann Arbor, Michigan within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record can have a big effect on your car insurance premiums. Incidents like speeding tickets, accidents, and DUIs can lead to higher rates, while a clean driving history typically makes rates more affordable.
Here are the cheapest companies for Ann Arbor drivers with various driving histories:
Cheapest car insurance for Ann Arbor drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Ann Arbor: USAA
Cheapest car insurance for Ann Arbor drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with an OWI in Ann Arbor: USAA
Just under 3% of Ann Arbor drivers have an accident on their driving record, and 0.7% have an OWI, according to Insurify data. Michigan is a no-fault state, which means that drivers file bodily injury claims with their own insurance after an accident, no matter who was at fault.[3]
See how much Ann Arbor drivers with different incidents pay for car insurance in the table below.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $163 |
| Speeding ticket | $189 |
| At-fault accident | $192 |
| Operating While Intoxicated (OWI) | $262 |
Driving conditions can vary quite a bit from city to city. If you’re driving in Ann Arbor, Michigan, here are some things to keep in mind:
Winters can be harsh. Ann Arbor gets more than 40 inches of snow annually, which can make driving on some local roads hazardous. You can monitor Washtenaw County’s red/yellow system for guidance on current road conditions.[4]
The University of Michigan is in Ann Arbor. The college is one of the largest in the state, with a student population of more than 53,000 students. This can add significantly more new drivers to the road during the school year and during football games.
There are three safety corridors. Ann Arbor has three safety corridors where traffic laws are very strictly enforced. These include the Washtenaw Corridor (from Geddes Avenue to Huron Parkway), the Packard Corridors (from Fifth Avenue to Turnberry Drive), and the Jackson Corridors (from Burwood Avenue to Gralake Avenue), according to the city.
Ann Arbor’s short commute times may have something to do with the city’s low insurance rates in comparison to other cities in Michigan. U.S. Census Bureau data shows the typical Ann Arbor resident drives just 20 minutes to work each day. The overall Michigan average is 24 minutes, with commutes in nearby Detroit even higher.
In an effort to mitigate risk during student move-in, Ann Arbor has multi-day road closures around the university. There are also multiple road projects happening around the city, including downtown on Main Street.[5]
Despite being a college town with a large seasonal driver population, the city’s crackdown on traffic laws through three major “safety corridors” likely has a big effect on the area’s low car insurance rates.
Save up to $1,100† per year on coverage
Michigan uses a graduated licensing program, which includes three types of licenses. Once teens receive their intermediate license, they can drive only between 5 a.m. and 10 p.m. They can have only one passenger and can’t use a cell phone unless in an emergency.[6]
Teen drivers usually pay higher car insurance premiums than older drivers do because of their lack of experience. The average monthly car insurance premium for teen drivers in Ann Arbor is $184 for liability-only coverage.
See the table below for the cheapest liability insurance companies for teen drivers in Ann Arbor.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $107 |
| Auto-Owners | $119 |
| Chubb | $130 |
| Progressive | $163 |
| National General | $178 |
| Allstate | $190 |
| Liberty Mutual | $191 |
| Safeco | $194 |
| Bristol West | $207 |
| Direct Auto | $232 |
| State Farm | $233 |
| GEICO | $247 |
| Insurify Car | $252 |
| Travelers | $292 |
Senior drivers generally pay lower car insurance premiums than younger drivers, thanks to their more extensive on-the-road experience.
Ann Arbor has a small senior population compared to other nearby cities and the state overall. Less than 13% of the Ann Arbor population is 65 and older, while nearly 15% of Michigan is, according to the U.S. Census Bureau. This may be due to the city’s college presence.
Ann Arbor seniors can find the cheapest liability car insurance from USAA. See the table below for more cheap car insurance companies for seniors in Ann Arbor.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $50 |
| USAA | $51 |
| Chubb | $51 |
| National General | $75 |
| Progressive | $87 |
| Safeco | $88 |
| Liberty Mutual | $96 |
| State Farm | $101 |
| Allstate | $102 |
| Direct Auto | $103 |
| Bristol West | $105 |
| GEICO | $116 |
| Travelers | $120 |
| Insurify Car | $135 |
Car insurance in Ann Arbor is more affordable than in many other Michigan cities. Use the answers to common questions below to learn more about Ann Arbor car insurance.
Drivers in Ann Arbor, Michigan, pay an average of $115 per month for state-minimum liability insurance and $211 for full-coverage insurance.
USAA has the cheapest liability-only car insurance rates in Ann Arbor, Michigan, with an average premium of $63 per month. Auto-Owners offers the cheapest full-coverage insurance, with an average rate of $107 per month.
You can lower your Ann Arbor car insurance rate by qualifying for discounts, choosing a higher deductible, bundling your insurance, and shopping around for your car insurer.
Ann Arbor drivers can take advantage of many car insurance discounts, depending on their driving history and other factors. Many insurance companies offer discounts for safe driving habits, taking a defensive driving course, having accident-free periods, going paperless, and bundling car insurance with other policies, like home or renters insurance.
The state of Michigan requires every driver to have at least $50,000 in bodily injury liability per person and $100,000 per accident, plus $10,000 in property damage liability. Drivers also need to carry $250,000 in personal injury protection and $1 million in property protection insurance.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
