Compare Ann Arbor, MI Car Insurance Rates (2021)

Car insurance in Ann Arbor, MI averages $700 a month. Ann Arbor, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Ann Arbor car insurance rates, compare quotes from the top car insurance companies in Ann Arbor, MI.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Ann Arbor is 48104
  • The cheapest car insurance company in Ann Arbor for teen drivers is USAA
  • Average car insurance rates in Ann Arbor, MI after a DUI are $14,157/year

If you need to buy Ann Arbor, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Ann Arbor, MI is right here.

You’ll find Ann Arbor car insurance rates, the cheapest Ann Arbor, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Ann Arbor, Michigan car insurance rates to Troy car insurance rates, Warren car insurance rates, and Lansing car insurance rates.

Ready to find affordable Ann Arbor, MI car insurance today? Enter your ZIP code for fast, free Ann Arbor car insurance quotes.

Cheapest Ann Arbor, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ann Arbor, MI car insurance rates? Every Ann Arbor, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ann Arbor, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $14,425 $14,425 $13,269 $13,269 $38,024 $38,024 $15,240 $15,240
Farmers $3,614 $3,614 $3,376 $3,376 $7,997 $7,997 $4,054 $4,054
GEICO $3,732 $3,732 $3,834 $3,834 $10,739 $10,739 $3,570 $3,570
Liberty Mutual $11,419 $11,419 $11,307 $11,307 $26,750 $26,750 $11,419 $11,419
Nationwide $3,089 $3,089 $2,769 $2,769 $7,816 $7,816 $3,368 $3,368
Progressive $2,661 $2,477 $2,368 $2,622 $10,011 $10,735 $3,093 $2,878
State Farm $5,899 $5,899 $5,471 $5,471 $20,796 $20,796 $6,937 $6,937
Travelers $5,498 $5,498 $4,728 $4,728 $16,536 $16,536 $5,970 $5,970
USAA $2,219 $2,104 $2,091 $1,974 $5,448 $5,188 $2,698 $2,589

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Minimum Car Insurance in Ann Arbor, MI

Every driver must carry the minimum car insurance in Ann Arbor, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Ann Arbor, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Ann Arbor, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ann Arbor, MI. Compare credit history car insurance rates in Ann Arbor from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Ann Arbor, Michigan

Insurance Company Poor Fair Good
Allstate $30,421 $16,976 $13,322
Farmers $6,274 $4,162 $3,845
GEICO $7,029 $5,170 $4,208
Liberty Mutual $24,049 $13,912 $7,711
Nationwide $5,297 $4,031 $3,454
Progressive $5,280 $4,480 $4,057
State Farm $15,831 $8,030 $5,466
Travelers $8,386 $8,133 $8,031
USAA $4,516 $2,602 $1,999

Cheapest Ann Arbor, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Ann Arbor, MI to rates for a clean record with top companies.

Annual Ann Arbor, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,869 $13,091 $44,165 $13,833
Farmers $4,009 $5,094 $5,030 $4,908
GEICO $1,895 $4,074 $12,368 $3,539
Liberty Mutual $10,584 $12,835 $23,877 $13,600
Nationwide $3,670 $4,842 $4,418 $4,112
Progressive $3,922 $5,127 $4,606 $4,768
State Farm $6,171 $7,425 $16,202 $9,306
Travelers $5,527 $7,904 $12,766 $6,536
USAA $2,452 $3,052 $3,983 $2,669

Cheapest Ann Arbor, MI Car Insurance for Teen Drivers

Teen car insurance in Ann Arbor, MI can be expensive. Take a look at rates from the top car insurance companies in Ann Arbor for teenagers.

Annual Car Insurance Rates for Teen Drivers in Ann Arbor, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $38,024 $38,024
Farmers $7,997 $7,997
GEICO $10,739 $10,739
Liberty Mutual $26,750 $26,750
Nationwide $7,816 $7,816
Progressive $10,011 $10,735
State Farm $20,796 $20,796
Travelers $16,536 $16,536
USAA $5,448 $5,188

Cheapest Ann Arbor, MI Car Insurance for Seniors

Take a look at Ann Arbor, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Ann Arbor, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,269 $13,269
Farmers $3,376 $3,376
GEICO $3,834 $3,834
Liberty Mutual $11,307 $11,307
Nationwide $2,769 $2,769
Progressive $2,368 $2,622
State Farm $5,471 $5,471
Travelers $4,728 $4,728
USAA $2,091 $1,974

Cheapest Ann Arbor, MI Car Insurance Rates After a DUI

A DUI in Ann Arbor, MI increases car insurance rates. Compare Ann Arbor, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Ann Arbor, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $44,165
Farmers $5,030
GEICO $12,368
Liberty Mutual $23,877
Nationwide $4,418
Progressive $4,606
State Farm $16,202
Travelers $12,766
USAA $3,983

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Cheapest Ann Arbor, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Ann Arbor, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Ann Arbor, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,240 $20,240
Farmers $4,760 $4,760
GEICO $5,347 $5,591
Liberty Mutual $14,703 $15,745
Nationwide $4,261 $4,261
Progressive $4,606 $4,606
State Farm $9,524 $10,028
Travelers $8,137 $8,230
USAA $3,005 $3,073

Cheapest Ann Arbor, MI Car Insurance Rates by ZIP Code

Ann Arbor car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Ann Arbor, MI.

Annual Car Insurance Rates by ZIP Code in Ann Arbor, Michigan

ZIP Code Average Annual Rates
48103 $6,002
48104 $5,889
48105 $6,211
48108 $6,102
48109 $5,941

The Best Cheap Car Insurance Companies in Ann Arbor, MI

Take a look at a side-by-side comparison of the top car insurance companies in Ann Arbor, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Ann Arbor, Michigan

Insurance Company Average Annual Rates
Allstate $20,240
Farmers $4,760
GEICO $5,469
Liberty Mutual $15,224
Nationwide $4,261
Progressive $4,606
State Farm $9,776
Travelers $8,183
USAA $3,039

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Category Winners: Cheapest Car Insurance in Ann Arbor, Michigan

Find the cheapest car insurance companies in Ann Arbor, MI for each category right here.

Best Annual Car Insurance Rates by Company in Ann Arbor, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Ann Arbor, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Ann Arbor car insurance rates. Find the cheapest Ann Arbor, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Ann Arbor, Michigan

Insurance Company Low Medium High
Allstate $19,716 $20,286 $20,716
Farmers $4,638 $4,750 $4,893
GEICO $5,099 $5,419 $5,889
Liberty Mutual $14,872 $15,189 $15,611
Nationwide $4,422 $4,198 $4,162
Progressive $4,453 $4,613 $4,750
State Farm $9,334 $9,830 $10,164
Travelers $8,098 $8,192 $8,260
USAA $2,944 $3,046 $3,126

What affects car insurance rates in Ann Arbor, Michigan?

What factors can have an impact on Ann Arbor, MI car insurance? There are several reasons why Ann Arbor car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ann Arbor, Michigan.

Car Theft in Ann Arbor

High levels of vehicle theft can make car insurance more expensive. Ann Arbor, MI car theft statistics from the FBI indicate 67 vehicle thefts a year.

Commute Time in Ann Arbor

The more time you spend in your car the higher the risk of an accident. The average commute length in Ann Arbor, MI is 20.0 minutes according to City-Data.

Traffic in Ann Arbor

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Ann Arbor, MI traffic data from INRIX ranks Ann Arbor as the 170th-most congested in the world.

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Compare Car Insurance Quotes in Ann Arbor, MI

Ready to find affordable Ann Arbor, Michigan car insurance today? Enter your ZIP code for fast, free Ann Arbor, MI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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