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Home to the University of Michigan, Ann Arbor is also home to some pretty average rates for car insurance when compared to the rest of the state. If you live in Ann Arbor, you can expect to spend $282 per month for full-coverage auto insurance and $150 per month for liability-only coverage.
However, the rates you pay could be above or below those averages based on many factors, including your driving record. This guide will show you what to expect when purchasing your next car insurance policy in Ann Arbor.
Quick Facts
Michigan prohibits auto insurance companies from using gender, marital or family status, home ownership, credit score, education level, occupation, and ZIP code in setting your auto insurance rates.
Michigan is a no-fault insurance state, which means drivers must carry personal injury protection and property protection insurance in addition to liability insurance.
More than one-quarter of Michigan drivers are uninsured.[1]
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Best car insurance companies in Ann Arbor
The best car insurance company in Ann Arbor won’t be the same for every driver. That’s because every insurer uses different criteria to determine the rates it offers. Though insurers in Michigan can’t consider factors like your gender, marital status, ZIP code, and credit score in calculating your rates, insurers do take into account your age, driving history, and other qualities that will vary from one driver to the next.
This is why it’s important to compare quotes from multiple insurers to find the best rate for your needs. As you start your search, look at Chubb, Auto-Owners, and USAA. Each offers distinct benefits while also charging rates often below the Ann Arbor overall average of $216 per month.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.8
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$58/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo
Based in New Jersey, the company’s personal insurance products include auto, classic car, aircraft, homeowners, renters, and condo insurance. It also provides coverage for natural disasters, including earthquakes and floods. Chubb auto insurance is only available in nine states and caters to high-net-worth individuals looking for high-limit coverage and people looking for a range of insurance products. Chubb has an A++ rating from AM Best for financial stability and credit strength.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$89/mo
Launched in 1916, Auto-Owners sells car, home, life, and commercial insurance policies. In the auto market, it’s known for the volume of optional coverages it provides. AM Best gives Auto-Owners a financial strength and credit rating of A++ (Superior), and the company has significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index.
Pros
Optional coverages like diminished value, additional expense, and gap coverage
I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified
Unhappy with Renewal Costs
The premium is ridiculously expensive for the few miles I drive.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$90/mo
USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including those for bundling, insuring multiple vehicles, living on a military base, and more. AM Best gives USAA an A++ (Superior) rating for financial strength, and the company has the highest or second-highest rating of all insurers in every region in J.D. Power’s Overall Customer Satisfaction Index.
Pros
High customer satisfaction ratings according to J.D. Power
Discount of up to 30% possible with SafePilot program
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
USAA Excellence for Auto and Personal Property Insurance
Excellent.
Joseph - April 13, 2024
Verified
Excellent
It has been very good for a long time.
Candace - April 12, 2024
Verified
USAA Didn't Look Out for Me!
I was overcharged and rated incorrectly.
…
Cheapest liability-only car insurance in Ann Arbor
If you cause an accident, liability-only car insurance pays to repair or replace the other party’s damaged vehicle and associated medical costs. This coverage goes above and beyond the personal injury protection included in the other party’s policy. If you damage your own car, however, your liability-only coverage won’t pay to repair or replace it.
Liability-only insurance is generally the least expensive coverage option, but it can leave you financially vulnerable because it doesn’t cover your expenses beyond personal injury protection.
Auto-Owners has the cheapest liability-only rates in Ann Arbor, averaging $53 per month. The following insurers also offer cheap liability-only car insurance in Ann Arbor.
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
53
USAA
54
Chubb
58
Safeco
67
GEICO
81
Progressive
102
Nationwide
108
State Farm
110
Direct Auto
121
Travelers
128
Liberty Mutual
130
Bristol West
148
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Ann Arbor
Drivers looking for more protection than liability-only coverage provides may want to purchase full-coverage car insurance. This kind of insurance generally includes collision coverage, which pays to repair or replace your vehicle if it’s damaged in an accident you caused. It also includes comprehensive coverage, which pays to repair or replace your vehicle if it’s damaged because of something other than an accident, such as weather, theft, or vandalism.
If you lease a vehicle or obtain a loan to purchase one, your insurer will generally require you to carry full-coverage insurance.
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
89
USAA
90
Chubb
98
Safeco
118
GEICO
136
Progressive
151
Nationwide
181
State Farm
185
Travelers
214
Liberty Mutual
230
Direct Auto
247
Bristol West
255
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Michigan
Michigan is a no-fault insurance state, which means your insurance pays to cover you through its personal injury protection clause, no matter who’s at fault in an accident. Your liability insurance will cover the other driver if their damages exceed their own personal injury protection coverage.
Under no-fault rules, drivers are required to carry the following types of coverage:
Personal injury protection (PIP)
This coverage will pay for your medical bills and other associated costs (including loss of income) if you’re injured in a car accident, no matter who’s at fault.[2] You can choose from multiple coverage levels for PIP insurance:
Unlimited coverage, which is the default option unless the insured driver chooses a different coverage level
Up to $500,000
Up to $250,000
Up to $50,000 for drivers who are enrolled in Medicaid
PIP medical opt-out, for drivers who have both Medicare Part A and Part B health insurance
Property protection insurance (PPI)
This coverage pays for up to $1 million in damage your vehicle does to other peoples’ property while in the state of Michigan.
Residual bodily injury and property damage liability (BI/PD)
This pays for damages, including your legal defense, if you hurt or kill someone in an accident. It also pays for property damage done to other peoples’ property while driving outside of Michigan. The BI/PD state minimum requirements are as follows:
Coverage
Minimum Requirements
Bodily injury liability
$50,000 per person and $100,000 per accident
Property damage liability
$10,000 per accident (outside of Michigan)
Though these are the state minimum requirements for BI/PD coverage, Michigan has set the default coverage limits as follows:
Up to $250,000 for a person hurt or killed in an accident
Up to $500,000 for each accident if several people are hurt or killed
Up to $10,000 for property damage in another state
Unless you specifically decrease or increase these amounts, any insurance policy you purchase in Michigan will come with these limits by default.[3]
Important Information
Drivers in Michigan may also choose to purchase uninsured/underinsured motorist coverage. Though this coverage is optional, it’s highly recommended, since Michigan had the second-highest percentage of uninsured drivers in the United States as of 2019, with more than 1 out of 4 drivers going uninsured.[1]
Michigan insurance laws
The current auto insurance requirements in Michigan took effect July 2, 2020. Prior to the new insurance laws, Michigan required all drivers to carry mandatory comprehensive lifetime no-fault personal injury protection. Under the new law, drivers have a tiered choice of PIP coverage.[4]
Additionally, the new law also increased the minimum amount of coverage drivers must carry for bodily injury liability. Under the previous law, drivers had to carry a minimum of $20,000 per person and $40,000 per accident. The new law requires a minimum coverage of $50,000 per person and $100,000 per accident.
Cheapest car insurance for drivers with an incident
Having incidents on your driving record can affect your car insurance premiums. Whether you have a speeding ticket, an at-fault accident, a DUI, or another traffic citation on your record, your insurance company may consider you to be a higher-risk driver and raise your rates. In some cases, your insurer may even drop your coverage altogether.
In the sections that follow, you’ll see how individual incident types can affect the rate you pay for car insurance in different ways.
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Cheapest car insurance for drivers with a speeding ticket
Driving over the speed limit may be a common practice, but it’s still dangerous. The National Highway Traffic Safety Administration (NHTSA) found that 27% of Michigan traffic deaths in 2020 were speeding-related. That’s why even a single speeding ticket on your driving record can lead to higher insurance rates.
Ann Arbor drivers with speeding tickets pay $345 for full-coverage car insurance on average, compared to $282 for drivers with a clean record. If you have a speeding ticket, the following insurance companies offer the cheapest car insurance in Ann Arbor.
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
USAA
106
64
Auto-Owners
109
65
Chubb
118
70
Safeco
153
87
GEICO
161
96
Progressive
187
126
State Farm
215
128
Nationwide
216
129
Travelers
258
154
Liberty Mutual
295
167
Direct Auto
303
148
Bristol West
308
179
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
If you have an at-fault accident on your driving record, you may find it difficult to get cheap car insurance. This is because many insurers will consider you a higher risk after an accident and either raise your rates or drop your coverage, depending on the circumstances and severity of the accident.
At at-fault accident bumps full-coverage insurance to $352 per month for Ann Arbor drivers. If you’re in the market for new coverage, the following insurance companies have the cheapest rates for drivers with an at-fault accident in Ann Arbor.
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
112
67
USAA
112
67
Chubb
122
72
Safeco
161
91
GEICO
169
101
Progressive
195
132
Nationwide
226
135
State Farm
226
135
Travelers
269
161
Liberty Mutual
308
174
Bristol West
316
183
Direct Auto
317
155
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
The state of Michigan imposes severe penalties on anyone caught driving under the influence. A first offense will result in six points on your license. Depending on the judge’s discretion, you may also face the possibility of a hefty fine, some jail time, community service, or a suspension of your driving privileges.[5]
In addition to the state-level consequences, you can also expect to see your insurance rates go up significantly. Your insurer may also drop your coverage entirely. Drivers with a DUI conviction are considered a much higher risk, which means they’re less likely to be offered insurance coverage by standard insurance companies. Several insurance companies specialize in coverage for higher-risk drivers, but their rates will typically be much higher.
Drivers with a DUI in Ann Arbor have some of the highest overall insurance costs — $313 per month, on average. If you need car insurance after a DUI citation, the following insurers offer the cheapest car insurance in Ann Arbor for drivers in your situation.
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
133
79
USAA
135
81
Chubb
147
87
Safeco
177
100
GEICO
204
121
Progressive
226
153
Nationwide
271
162
State Farm
277
165
Travelers
321
192
Liberty Mutual
345
195
Direct Auto
370
181
Bristol West
382
222
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Age is the only demographic factor that insurers in Michigan can still use to set your car insurance rates. In general, insurers charge the highest rates to young drivers, in part because of their lack of experience behind the wheel. Rates tend to go down for adults around age 35 and stay low for safe drivers.
However, once senior drivers reach their mid-70s, insurance rates tend to go up again. That’s because reaching age 75 often coincides with a slowing of reflexes and response times, which increases the risk of getting into an accident.
The average monthly cost of car insurance for senior drivers in Ann Arbor is $134 for liability-only coverage. Here, you can see the cheapest car insurance rates for seniors in Ann Arbor.
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Chubb
63
37
Auto-Owners
64
38
USAA
69
41
Progressive
94
64
GEICO
101
60
Safeco
104
59
Nationwide
121
72
State Farm
127
76
Travelers
160
96
Liberty Mutual
178
101
Direct Auto
183
90
Bristol West
199
115
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teenage drivers have the highest insurance rates of any age demographic. Their lack of experience on the road, paired with the higher likelihood that they’ll make risky decisions, means a higher chance of accidents.
That doesn’t mean teen drivers, and their parents, are stuck paying high premiums. Here are several strategies that can help lower car insurance costs for teens:
Stay on your parents’ insurance. Although teens can potentially purchase their own auto insurance policy, it’ll almost always be cheaper and simpler for the young driver to stay on their parents’ policy.
Choose a safe car to drive. Safe cars are less expensive to insure, and the Insurance Institute for Highway Safety (IIHS) has put together a list of safe, practical, and affordable vehicles suitable for teen drivers.
Maintain a good GPA. Many insurers offer a good student discount to teen drivers who get good grades.
Teen drivers in Ann Arbor have an overall monthly cost of $289 for car insurance. The following insurance companies offer the cheapest policies for teen drivers in Ann Arbor.
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
129
77
USAA
129
77
Chubb
159
94
GEICO
184
110
Safeco
185
105
Progressive
237
160
Nationwide
270
161
State Farm
276
164
Liberty Mutual
338
191
Travelers
338
202
Bristol West
368
214
Direct Auto
396
194
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Ann Arbor
Car insurance companies in Michigan can no longer use your credit score, marital status, occupation, ZIP code, educational level, home ownership, or gender to set your premium rates. However, your driving history and age can still affect how much you pay for insurance.
Shopping around and comparing quotes remains an effective way to find the cheapest car insurance. You can also reduce your car insurance costs by:
Maintaining a clean driving record: A driving record free of traffic violations, accidents, or other incidents is the most effective method of keeping low insurance costs.
Bundling insurance policies: It’s common to get a discount when you purchase your homeowners or renters insurance from the same company insuring your automobile.
Adjusting your coverage: Consider increasing your deductible, dropping collision or comprehensive coverage, or decreasing your liability amounts.
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Ann Arbor car insurance quotes by credit tier
As of July 2, 2020, insurers are now legally prohibited from using your credit score to set your auto insurance rates.
This makes Michigan one of only six states in the country that don’t allow insurers to use credit scores to set auto insurance premium rates. For the other 44 states, auto insurance companies may use your credit score to help determine your insurance rates, offering lower rates to drivers with good-to-excellent credit scores and higher rates to drivers with poor-to-fair credit scores.
Is car insurance more expensive in Ann Arbor?
The overall average cost of full-coverage insurance in Ann Arbor is $282 per month. This is significantly higher than the national average cost of $172 per month. However, Ann Arbor drivers save a little on liability-only policies, paying $150 per month for this coverage, compared to the national average of $106 per month.
Unfortunately, Michigan consistently ranks as one of the most expensive states for auto insurance. This is because of its no-fault insurance laws that require all drivers to carry personal injury protection, property protection, and residual bodily injury and property damage liability. Additionally, the high cost of living in Ann Arbor may also affect the cost of full-coverage auto insurance, since higher property costs generally increase the coverage needs for property protection.
More cities in Michigan
Ann Arbor’s car insurance prices are the median for the seven cities included in the Insurify Michigan insurance data. Southfield has the most expensive average full-coverage quote, at $380 per month, which is higher than Ann Arbor ’s average of $282 per month. Lansing residents pay the least for full-coverage auto insurance, with an average quote of $279 per month.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Ann Arbor car insurance FAQs
Looking for more information to help you find the best car insurance in Ann Arbor? The answers presented below can help.
How much is car insurance in Ann Arbor?
Car insurance in Ann Arbor averages $282 per month for full coverage and $150 per month for liability coverage. While Michigan is one of the most expensive states in the country for auto insurance, Ann Arbor’s rates are more affordable than many other similarly sized cities in the Great Lakes State.
Which company has the cheapest car insurance rates in Ann Arbor?
Ann Arbor drivers can find the lowest liability-only car insurance — the cheapest type — from Auto-Owners, which has an average rate of $53 per month for liability-only insurance in the city. USAA and Chubb also offer cheap liability insurance for Ann Arbor drivers, with average monthly rates of $54 and $58, respectively.
What are the best car insurance companies in Ann Arbor?
Chubb, Auto-Owners Insurance, and USAA rank as three of the top insurers in Michigan. Auto-Owners and USAA have Insurify Quality (IQ) Scores of 4.0 and 4.3, and Chubb continually offers some of the lowest rates in Ann Arbor. These insurers have also been recognized for their customer service, discounts offered, and coverage options available.
How much is car insurance per month in Michigan?
The average cost of car insurance in Michigan is $349 for full coverage and $185 for liability coverage. This makes Michigan one of the most expensive states in the nation for car insurance.
Why does Michigan have such high car insurance?
Michigan’s car insurance rates are high for a number of reasons, the first of which is its place as a no-fault state. In addition, Michigan can also have severe winters and has many communities with high crime rates that can increase the cost of car insurance in the state.
What’s the bare minimum for car insurance in Michigan?
In order to drive legally in Michigan, you must carry liability coverage that includes personal injury protection, property protection insurance, and residual bodily injury and property damage liability. These last two clauses must amount to $50,000 per person/$100,000 per accident in bodily injury liability and $10,000 per accident (outside of Michigan) in property damage liability.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.