call

Ann Arbor Car Insurance

How much does car insurance cost in Ann Arbor, MI? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Ann Arbor?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Michigan has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Ann Arbor typically pay around $132.11 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Michigan $173.12
Ann Arbor, Michigan $132.11

Ann Arbor, MI Best Car Insurance Companies

car insurance in Ann Arbor

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Metropolitan generally has the most affordable car insurance in Ann Arbor coming in around $75.77 per month. Other companies to consider if you live in Ann Arbor is SECURA Insurance with an average cost of $86.97 per month and USAA which typically runs around $95.00 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Ann Arbor.

RankCompanyAverage Monthly RateComparison State Average
1 Metropolitan $75.77-56.23%
2 SECURA Insurance $86.97-49.76%
3 USAA $95.00-45.12%
4 Farm Bureau Ins of MI $125.63-27.43%
5 Hastings Mutual Insurance Co $129.07-25.44%
6 Chubb $133.83-22.70%
7 MEEMIC Insurance Company $154.36-10.83%
8 Pioneer State Mutual Ins Co $155.60-10.12%
9 Auto-Owners Insurance Co $160.98-7.01%
10 Safeco $163.01-5.84%

How Much is Car Insurance in Ann Arbor, MI?

how much is auto insurance in Ann Arbor

Rates can vary from city to city. The residents of Ann Arbor typically pay $131.91 per month while people who live in Detroit will pay $266.06 per month on average. See what people pay for car insurance in other cities in Michigan.

Michigan CitiesMonthly Average Rate
Ann Arbor $131.91
Detroit $266.06
Flint $174.55
Grand Rapids $129.25
Lansing $134.73
Saginaw $138.38

Cheap Car Insurance in Ann Arbor by Zip Codes

find cheap auto insurance in Ann Arbor

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Michigan. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Ann Arbor, MI ZIP CodeAverage Monthly Rate
48103$131.73
48104$139.48
48105$145.82
48108$118.67
48109$162.90

Car Insurance Rates by Driver's Age Group in Ann Arbor

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $278.04 per month in Ann Arbor. Compare that to drivers in their 30’s who typically pay around $126.65 per month drivers in their 40s at $118.50 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$278.04
20s$144.34
30s$126.65
40s$118.50
50s$117.23
60s$103.14
70+$102.08

Cheapest Insurance for Teenage Drivers in Ann Arbor

If you are teen in Ann Arbor you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Metropolitan typically charges around $120.56 per month. This is likely the most affordable option in Ann Arbor. You might also want to consider SECURA Insurance and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Metropolitan$120.56
SECURA Insurance$124.50
USAA$140.59
Chubb$207.09
Farm Bureau Ins of MI$212.08

Cheapest Insurance for 20 Year-olds in Ann Arbor

20 year-olds in Ann Arbor might want to consider Metropolitan who, on average, offers car insurance rates around $79.88 per month. SECURA Insurance , USAA , Farm Bureau Ins of MI and Chubb are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Metropolitan$79.88
SECURA Insurance$95.20
USAA$98.02
Farm Bureau Ins of MI$149.66
Chubb$149.92

Cheapest Insurance for 30 Year-olds in Ann Arbor

If you are in your 30s in Ann Arbor our research has found that Metropolitan typically has the most affordable coverage coming in around $80.08 per month, followed by SECURA Insurance at $83.06 and USAA at $97.02.

CompanyAverage Monthly Rate
Metropolitan$80.08
SECURA Insurance$83.06
USAA$97.02
Hastings Mutual Insurance Co$117.13
Chubb$132.07

Cheapest Insurance for 40 Year-olds in Ann Arbor

On average, Metropolitan offers car insurance for 40 year-olds in Ann Arbor for around $75.55 per month. If you are looking for affordable coverage, you may also want to consider SECURA Insurance or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Metropolitan$75.55
SECURA Insurance$79.87
USAA$86.35
Hastings Mutual Insurance Co$100.69
Farm Bureau Ins of MI$119.27

Cheapest Insurance for 50 Year-olds in Ann Arbor

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Ann Arbor we found that Metropolitan generally offers the most affordable coverage at $67.77 per month.

CompanyAverage Monthly Rate
Metropolitan$67.77
SECURA Insurance$69.26
Hastings Mutual Insurance Co$87.55
Farm Bureau Ins of MI$93.95
USAA$96.71

Cheapest Insurance for 60 Year-olds in Ann Arbor

If you live in Ann Arbor and you’re in your 60s, our data indicates that Metropolitan usually has the best rates at $57.85 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Metropolitan$57.85
SECURA Insurance$71.01
Safeco$71.63
USAA$79.02
Hastings Mutual Insurance Co$83.25

Driver's Coverage Auto Insurance Rates in Ann Arbor, MI

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Ann Arbor, the average monthly rate for a driver who is currently insured is $122.73 while drivers who are not currently covered will pay around $143.25.

CoverageAverage Monthly Rate
Not Currently Insured $143.25
Currently Insured $122.73

Compare Recent Car Insurance Quotes in Ann Arbor

auto insurance quotes in Ann Arbor city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Ann Arbor a driver of a 2004 FORD FOCUS can expect to pay around $57.02 per month while someone that owns a 2017 Nissan Maxima may pay around $278.83 per month. Check out the list of recent quotes in Ann Arbor below.

VehicleAverage Monthly Rate
2004 FORD FOCUS$57.02
2017 Nissan Maxima$278.83
2012 Cadillac Srx$123.54
2009 Pontiac G6$71.97
2008 Ford Ranger$62.38
2013 Jeep Wrangler Unlimited$58.93
2002 Toyota Corolla$47.38
2021 Cadillac Escalade$94.45
2015 Lincoln Mks$96.10
2014 Jeep Cherokee$67.98

FAQ's for Drivers in Ann Arbor, MI

driver’s frequently asked question in Ann Arbor

What Is the Minimum Liability Coverage Requirement in Ann Arbor, MI?

Michigan’s basic no-fault policy includes minimum amounts of coverage of $20,000 of bodily injury for each person hurt or killed in an accident, $40,000 for two or more people hurt or killed in an accident, and $10,000 for property damage in another state. However, that $10,000 in property damage liability coverage only applies to out of state claims.

Property damage that occurs inside the state is covered by property protection insurance (PPI). Michigan drivers are required to carry $1,000,000 PPI coverage. Additionally, drivers must carry PIP insurance to pay for medical expenses following a car accident. Residents can coordinate PIP insurance with health insurance, which may reduce insurance premiums.

  • $20,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $40,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Although Michigan law does not require collision and comprehensive insurance, lenders generally require it before financing a vehicle. These optional coverages also provide extra financial protection in the event of an accident. If you need additional coverage to satisfy your lender or for peace of mind, factor in the extra cost when calculating the price of your loan.

What Is the Blood Alcohol Concentration (BAC) limit in Ann Arbor, MI?

It’s illegal to operate a vehicle in Michigan with the following BAC percentages:

.08%+ for 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ for under 21 years old

Michigan has various types of DUI charges, including Operating While Visibly Impaired (OWVI), Operating While Intoxicated (OWI), Under Age 21 Operating with Any Bodily Alcohol Content (Zero Tolerance), and Operating with Any Presence of a Schedule 1 Drug or Cocaine (OWPD).

What are the consequences of being convicted of a DUI?

Michigan’s DUI laws require courts to decide court cases within 77 days of arrest and mandate a 6-month suspension of driving privileges, even following the first conviction. Additional penalties may include up to 1 year of jail time, community service, successful completion of a rehabilitation program, installation of an ignition interlock device, and various fines and fees. If you cause harm or death while driving under the influence, the penalties are much more severe.

map

Commute Time in Ann Arbor, MI

20.4 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Ann Arbor, MI

827

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.