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

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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.

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.

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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

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

Ann Arbor, MI Driving Facts

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.

michigan

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 AgeAvg. Monthly Cost
teensN/A
20s$362
30s$191
40s$176
50s$244
60s$190
70s$326
80s$194
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$259
Good$237
Average$260
Poor$132

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.

Insurify Rankings

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:

ford
Ford Escape
Most Popular Car in
Ann Arbor, MI
suspended licenses
#25
Cities with Most
Suspended Licenses Rank

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.