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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
In such a busy college town, you’ll want to make sure you’re hitting the roads safely. That’s where great car insurance comes in. For any Ann Arbor resident, it’s worth taking the time to seek out a car insurance policy that keeps you and your car protected—without breaking the bank.
The average cost of Michigan car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Ann Arbor, MI to find you the cheapest quotes in the area.
Here are the cheapest carriers in Ann Arbor for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 Liberty Mutual | $217/mo |
 American Family | $1,139/mo |
Michigan Cities | |
|---|---|
| Detroit | $520/mo |
| Grand Rapids | $241/mo |
| Warren | $338/mo |
| Sterling Heights | $399/mo |
| Ann Arbor | $678/mo |
| Michigan | $435/mo |
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Michigan has more complex insurance laws, centered around a no-fault car insurance policy mandate, that are designed to cover injuries and damages caused in an accident regardless of fault. Michigan car insurance companies also offer three types of collision car insurance: limited, standard, and broad form.
Cities in Michigan have a reputation for having higher-priced insurance rates. As demonstrated in the data, some age groups in Ann Arbor echo that reputation, while others are surprisingly lower. Drivers in their 20s still tend to have the highest average premium payments, at $361.08. But those in their 40s, 60s, and 80s all should expect rates below $200. Their averages are $175.11, $189.48, and $193.50, respectively.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | N/A |
| 20s | $362 |
| 30s | $191 |
| 40s | $176 |
| 50s | $244 |
| 60s | $190 |
| 70s | $326 |
| 80s | $194 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $233 |
| Speeding Ticket | $164 |
| At-Fault Accident | $308 |
| Failure to Stop for Red Light / Stop Sign | N/A |
One factor that Ann Arbor insurance companies use to determine where to set premium rates for drivers is violation history. Drivers who have a clean record and no history of accidents often receive lower average premium rates of $232.17. Conversely, drivers who have an at-fault accident or several violations on their report may notice their average premium rates are about $307.36. While you can’t do anything at this moment to fix your driving record, avoiding future incidents can help lower your monthly rates in the future.
While companies in many cities around the country use credit scores to determine the average premium rates for drivers, Ann Arbor is a little different. There is little difference between scoring an excellent, good, or average, as all three average range from $235 to $260 for premiums. The one outlier of the group is people with a poor credit score. These motorists have the smallest average premium at $131.50. One potential reason for the discrepancy is that local insurance companies may offer special rates and coverages for people with a poor credit history.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $259 |
| Good | $237 |
| Average | $260 |
| Poor | $132 |
For drivers in Ann Arbor, all of your license and registration needs can be handled at the Ann Arbor Secretary of State Branch Office, located at 353 N Maple Rd. The branch office is open Monday through Friday. Appointments can be scheduled ahead of time online or by calling 1 (888) 767-6424.
Ann Arbor’s transportation service, TheRide, provides bus service around the city. Within the University of Michigan campus, a no-fare bus service connects students, faculty, and staff to different parts of the school. For intercity travel, Greyhound buses and Megabus service help residents get to other major cities in the region.
As a resident of one of Michigan’s primary economic centers, you’ll want to make sure you’re getting around this bustling college town safely and affordably. Insurify can help you find the car insurance you need, making it easy to compare 10+ free quotes from a wide range of car insurance providers.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Ann Arbor stacks up for the state of Michigan:
