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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 | |
|---|---|
 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 | |
|---|---|
| teens | N/A |
| 20s | $362 |
| 30s | $191 |
| 40s | $176 |
| 50s | $244 |
| 60s | $190 |
| 70s | $326 |
| 80s | $194 |
| Driving History | |
|---|---|
| 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 | |
|---|---|
| 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.
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.
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.
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.
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.
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.
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.
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.
