Affordable Car Insurance Rates in Ann Arbor, MI (2024)
Car insurance rates in Ann Arbor, MI are $700/month on average. By law, Michigan drivers need to carry at least 20/40/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Ann Arbor car insurance companies to get the coverage you need at the best rates available.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Ann Arbor, MI for senior drivers are $5,476/year
- Average car insurance rates in Ann Arbor, MI are $700/month
- The cheapest car insurance company in Ann Arbor after a DUI is USAA
Average car insurance rates in Ann Arbor, Michigan are $700 a month. But with a little research you can get a great deal from the top car insurance companies in Ann Arbor, MI. Before you buy Ann Arbor, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.
It may even be helpful to compare Ann Arbor car insurance rates with Sterling Heights car insurance rates, Troy car insurance rates, or Grand Rapids car insurance rates to make sure you’re getting the best Ann Arbor, MI car insurance quotes available.
Need affordable Ann Arbor, MI car insurance? Enter your ZIP code to compare Ann Arbor car insurance quotes from multiple car insurance companies near you.
Ann Arbor, MI Minimum Car Insurance Coverage
Ann Arbor, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.
| 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 |
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Ann Arbor, MI Car Insurance Rates by Coverage Level
Some Ann Arbor drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Ann Arbor, Michigan car insurance rates may be based on the coverage you need.
| 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 |
Ann Arbor, MI Car Insurance Rates by Age, Gender, and Marital Status
Ann Arbor, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Ann Arbor, MI car insurance, get quotes from multiple car insurance companies in the Ann Arbor area and see how these criteria affect your rates.
| 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 |
Ann Arbor, MI Car Insurance Rates for Teens
How much is Ann Arbor, Michigan car insurance for teens? Compare rates from top Ann Arbor car insurance companies below to help find the cheapest teen car insurance in Ann Arbor, MI.
| 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 |
Ann Arbor, MI Car Insurance Rates for Seniors
Before seniors buy Ann Arbor, Michigan car insurance, they should make sure to shop around. Some Ann Arbor, MI car insurance companies may offer discounts or other savings options for senior car insurance.
| 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 |
Ann Arbor, MI Car Insurance Rates by Credit History
How does your credit history affect Ann Arbor, MI car insurance rates? Review the numbers here to find out.
| 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 |
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Ann Arbor, MI Car Insurance Rates by Driver History
How does a single speeding ticket affect your Ann Arbor, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Ann Arbor.
| 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 |
Ann Arbor, MI Car Insurance Rates With a DUI
Even a single DUI can increase your Ann Arbor, MI car insurance rates. Compare rates below to see which Ann Arbor car insurance company has the best rates for drivers with a DUI.
| 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 |
Ann Arbor, MI Car Insurance Rates by ZIP Code
Just like Ann Arbor car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Ann Arbor, MI car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 48103 | $6,002 |
| 48104 | $5,889 |
| 48105 | $6,211 |
| 48108 | $6,102 |
| 48109 | $5,941 |
Ann Arbor, MI Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Ann Arbor, MI car insurance rates may be. Let’s take a look at average car insurance rates from top Ann Arbor companies based on commute time.
| 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 |
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Ann Arbor, MI Cheapest Car Insurance Rates
How do the top Ann Arbor, Michigan car insurance companies’ average rates stack up against the Ann Arbor average monthly car insurance rates of $700? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Ann Arbor, MI Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Ann Arbor, Michigan car insurance companies to help you find one that best fits your needs.
| 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 |
Other Factors Affecting Ann Arbor, MI Car Insurance Rates
Before you buy Ann Arbor, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Ann Arbor, MI Car Theft Rates
The car theft rate in Ann Arbor, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Ann Arbor, Michigan is 67 stolen cars.
Ann Arbor, MI Commute Time
How does your Ann Arbor, MI commute time compare with the average driver? In Ann Arbor, the average commute is 20.0 minutes.
Ann Arbor, MI Traffic
Spending time in Ann Arbor traffic can lead to higher car insurance rates. According to INRIX data, Ann Arbor, MI ranks as the 170th-most congested with traffic in the world.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Ann Arbor, MI Car Insurance Quotes
Compare Ann Arbor, MI car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.