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Cheap Auto Insurance Quotes in Ann Arbor, MI (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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When you think of Ann Arbor, the phrase “college town” probably comes to mind. As the home of the University of Michigan, the town has thousands of residents who are in some way employed by the university or its many affiliated research institutions.
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.
Quick Facts
- The average cost of car insurance in Ann Arbor is $276 per month, or $3312 annually.
- Car insurance in Ann Arbor is $16 less than the average cost of car insurance in Michigan.
- The cheapest car insurance provider in Ann Arbor on average is Safeco, but you should always compare quotes to find your best personal rate.
Car Insurance in Ann Arbor, MI
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.
Quotes by Top Companies
Liberty Mutual$217
American Family$1,139
Cheapest Car Insurance in Ann Arbor, MI
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Ann Arbor | Quotes |
|---|---|
| Liberty Mutual | $217 /mo |
| American Family | $1,139 /mo |
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Average Car Insurance Cost
| Michigan Cities | |
|---|---|
| Detroit | $520/mo |
| Grand Rapids | $241/mo |
| Warren | $338/mo |
| Sterling Heights | $498/mo |
| Ann Arbor | $678/mo |
| Michigan | $455/mo |
Grand Rapids$241
Warren$338
Average for MI$455
Sterling Heights$498
Detroit$520
Ann Arbor$678
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in MI
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.
Ann Arbor Car Insurance Rates by Driver Age
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 |
Ann Arbor Car Insurance Rates by Driving and Accident History
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.
| 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 |
Ann Arbor Car Insurance Rates by Credit Tier
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 Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $259 |
| Good | $237 |
| Average | $260 |
| Poor | $132 |
See More: Bad Credit Car Insurance Michigan
Find local Ann Arbor agents
Ann Arbor Insurance Associates, LLC
1793 W. Stadium Blvd.,
Ann Arbor, MI 48103Kapnick Insurance Group
1201 Briarwood Circle,
Ann Arbor, MI 48108Aprill Agency Inc
703 S MAIN ST,
ANN ARBOR, MI 48104-2924Insight Insurance Agency LLC
6386 Jackson Road,
Ann Arbor, MI 48103-9593Hylant Group Inc.
24 Frank Lloyd Wright Dr,
Ann Arbor, MI 48105-9484Thayer-Innes Insurance Agency Inc
3380 Travis Pointe Rd,
Ann Arbor, MI 48108-5926J P McKeone Ins Agcy Inc
P O Box 333,
Ann Arbor, MI 48106Heidi Kussurelis Agency, Inc.
2405 S Main St,
Ann Arbor, MI 48103-5834Kleinschmidt Insurance, Inc.
450 South Maple Road,
Ann Arbor, MI 48103Kapnick Insurance Group
1201 Briarwood Cir,
Ann Arbor, MI 48108-1690
Ann Arbor, MI DMV Information
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.
Public Transportation in Ann Arbor, MI
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.
How to get the best and cheapest car insurance in Ann Arbor, MI
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.
FAQs - Ann Arbor, MI Car Insurance
State Farm has several local agents in the area, making it one of the top choices for Ann Arbor residents. Additionally, several smaller regional insurance companies are in the area, giving drivers the choice between major national carriers and more local insurance brands. A low credit score can lead to higher car insurance premiums for drivers in Michigan. That’s why one of the best ways to unlock car insurance discounts is to work on improving your credit score. Finding cheap car insurance starts with comprehensive quote comparison. That’s where Insurify can help. Simply enter some information about your vehicle and driving history, and Insurify will give you access to a wide range of free quotes.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Ann Arbor Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Ann Arbor, Michigan below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Ann Arbor drivers measure up to their fellow motorists across Michigan in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford Escape
Most Popular Car in Ann Arbor
#10
City with the Most Speeding Tickets Rank in Michigan
#60
City with the Most Moving Violations Rank in Michigan
#8
City with the Most DUIs Rank in Michigan
#38
City with the Most Suspended Licenses in Michigan
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Ann Arbor drivers rank 13 in the number of car accidents per driver across all cities in Michigan.
- Rank within state: #13
- Percent of drivers in Ann Arbor with an accident: 6.13%
- Drivers in Ann Arbor, MI with an accident in their driving history pay on average 0% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Michigan, Ann Arbor drivers rank 10 in the number of speeding infractions per driver.
- Rank within state: #10
- Percent of drivers in Ann Arbor with a speeding ticket: 7.98%
- Drivers in Ann Arbor, MI with a speeding ticket in their driving history pay on average 11.82% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Ann Arbor drivers rank 8 in the number of DUI’s per driver across all cities in Michigan.
- Rank within state: #8
- Percent of drivers in Ann Arbor with a DUI: 1.84%
- Drivers in Ann Arbor, MI with a DUI in their driving history pay on average 0% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Ann Arbor is the Ford Escape.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Ann Arbor drivers rank 3 in hybrid and electric vehicle ownership across all cities in Michigan.
- Rank within state: #3
- Percent of drivers in Ann Arbor with a hybrid/electric vehicle: 1.82%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others