Cheap Auto Insurance Quotes in Ann Arbor, MI (2021)

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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.

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 Carriers
Quotes ($/mo)
$217
$1,139
Liberty MutualAmerican Family
Monthly $

Cheapest Car Insurance in Ann Arbor, MI

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.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$435
$520
$241
$338
$399
$678
MichiganDetroitGrand RapidsWarrenSterling HeightsAnn Arbor
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Ann Arbor, MI Driving Facts

michigan

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.

Driving History
No Violation$233
Speeding Ticket$164
At-Fault Accident$308
Failure to Stop for Red Light / Stop SignN/A

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.

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.

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.

Conclusion: 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.

Find local Ann Arbor agents

Ann Arbor Insurance Associates, LLC 
1793 W. Stadium Blvd., Ann Arbor, MI 48103
Kapnick Insurance Group 
1201 Briarwood Circle, Ann Arbor, MI 48108
Aprill Agency Inc 
703 S MAIN ST, ANN ARBOR, MI 48104-2924
Insight Insurance Agency LLC 
6386 Jackson Road, Ann Arbor, MI 48103-9593
Hylant Group Inc. 
24 Frank Lloyd Wright Dr, Ann Arbor, MI 48105-9484
Thayer-Innes Insurance Agency Inc 
3380 Travis Pointe Rd, Ann Arbor, MI 48108-5926
J P McKeone Ins Agcy Inc 
P O Box 333, Ann Arbor, MI 48106
Heidi Kussurelis Agency, Inc. 
2405 S Main St, Ann Arbor, MI 48103-5834
Kleinschmidt Insurance, Inc. 
450 South Maple Road, Ann Arbor, MI 48103
Kapnick Insurance Group 
1201 Briarwood Cir, Ann Arbor, MI 48108-1690

Insurify Insights: How Ann Arbor Drivers Measure Up

ford
Ford Escape
Most Popular Car in
Ann Arbor, MI
suspended licenses
#29
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Ann Arbor drivers measure up to their fellow Michigan motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Ann Arbor

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 paid on average --% more than drivers with a clean record

Speeding Ann Arbor

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 paid on average 11.82% more than drivers with a clean record

DUI/DWIs Ann Arbor

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 paid on average --% more than drivers with a clean record

Most Popular Vehicle Ann Arbor

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.

Hybrid/Electric Vehicle Ownership Ann Arbor

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%

Green Driving in Ann Arbor, MI

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The most pressing environmental issue in the state is the presence of PFAS, a type of water-repellent chemical, in rivers and tributaries that span a five-county area. It has become a major health concern, and the EPA has comitted to investigating the contaminated drinking water. But a surge in environmental activism amidst the Flint water crisis has transformed the state's relationship to environmental justice. The state of Michigan offers many green driver incentives, including federal tax credits, electric vehicle charging incentives, and discounts through some car insurance carriers.

Greenes Cities

Ann Arbor

Greenes Cities
% of Hybrids / Electrics
1%

FAQs - Ann Arbor, MI Car Insurance

Do major insurance carriers have offices in Ann Arbor?

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.

Will my credit score affect my car insurance rates in Ann Arbor?

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.

Who offers the cheapest car insurance in my area?

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.