Cheapest Auto Insurance in Ann Arbor, Michigan (2024)
Auto-Owners offers the cheapest car insurance in Ann Arbor, with minimum-coverage policies as low as $55 per month.
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Written byEmily Guy Birken
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12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
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Updated October 30, 2024
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Table of contents
The average cost of liability insurance in Ann Arbor is $151 per month. This is lower than the Michigan state average of $173 but higher than the national average of $104.
Michigan drivers face expensive average rates for a few reasons, including a high percentage of uninsured drivers and high state insurance requirements.[1] Ann Arbor has fewer instances of motor vehicle theft than some of Michigan's other largest cities, including Detroit, Grand Rapids, and Lansing. This can explain why residents pay lower rates on average.
Here’s what to know when purchasing your next car insurance policy in Ann Arbor, including how to compare quotes and coverage options.
Quick Facts
Auto-Owners, USAA, and Chubb offer some of the cheapest liability insurance in Ann Arbor.
On average, Ann Arbor drivers pay $290 per month for full-coverage insurance, which exceeds the national average of $211 but is lower than the state average of $309.
Michigan is a no-fault insurance state. Drivers must carry personal injury protection and property protection insurance in addition to standard liability insurance.
3 of the cheapest car insurance companies in Ann Arbor
The best car insurance company in Ann Arbor won’t be the same for every driver. That’s because every insurer uses different criteria to determine the rates it offers. Though insurers in Michigan can’t consider factors like your gender, marital status, ZIP code, and credit score in calculating your rates, insurers do take into account your age, driving history, and other qualities that will vary from one driver to the next.
This is why it’s important to compare quotes from multiple insurers to find the best rate for your needs. As you start your search, look at coverage options from Auto-Owners, Chubb, and USAA. The quotes below reflect statewide average costs in Michigan.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $112 | $63 | Cheap rates |
| Chubb | 6.5 | $122 | $69 | Luxury vehicles |
| USAA | 9.4 | $113 | $64 | Military members |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
4.0
Best choiceBased on 137 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (86)
Ronald W
October 29, 2024
Verified Review
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha
October 28, 2024
Verified Review
Good
The premiums keep increasing.
Lawrence
October 24, 2024
Verified Review
Honest Answers to Questions
Please refer to my answers to the previous questions.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Launched in 1916, Auto-Owners sells car, home, life, and commercial insurance policies. In the auto market, it’s known for the volume of optional coverages it provides. AM Best gives Auto-Owners a financial strength and credit rating of A++ (Superior), and the company has significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index.
Pros
Optional coverages like diminished value, additional expense, and gap coverage
Multiple discounts available
Cons
Online quotes not available
Mobile app has lower rating than other insurers
Best insurer for luxury vehicles: Chubb
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
3.6
A solid optionBased on 5 verified guest reviews and ratings
How drivers feel about Chubb
Drivers appreciate the professional customer service and quick claims handling but dislike the expensive rates and limited online portal.
AI-generated from the text of verified reviews collected by Insurify
Best For
High net worth drivers
Customer service
Classic car coverage
How drivers feel about Chubb
Drivers appreciate the professional customer service and quick claims handling but dislike the expensive rates and limited online portal.
AI-generated from the text of verified reviews collected by Insurify
Best For
High net worth drivers
Customer service
Classic car coverage
Reviews (4)
Cynthia
August 11, 2024
Verified Review
Excellent!
Absolutely great!
Alexander
June 18, 2024
Verified Review
I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.
I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.
Troy
October 6, 2021
Verified Review
Good
They are great to deal with, just expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.41A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Based in New Jersey, the company’s personal insurance products include auto, classic car, aircraft, homeowners, renters, and condo insurance. It also provides coverage for natural disasters, including earthquakes and floods. Chubb auto insurance is only available in nine states and caters to high-net-worth individuals looking for high-limit coverage and people looking for a range of insurance products. Chubb has an A++ rating from AM Best for financial stability and credit strength.
Pros
Several available perks for prime customers
Numerous types of insurance products available
Cons
Not available in every state
Tailored to serve luxury vehicles
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.9
Best choiceBased on 1573 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (897)
Kent
October 29, 2024
Verified Review
Excellent
The insurance is a bit high.
Dorothy
October 29, 2024
Verified Review
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin
October 29, 2024
Verified Review
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including those for bundling, insuring multiple vehicles, living on a military base, and more. AM Best gives USAA an A++ (Superior) rating for financial strength, and the company has the highest or second-highest rating of all insurers in every region in J.D. Power’s Overall Customer Satisfaction Index.
Pros
High customer satisfaction ratings according to J.D. Power
Discount of up to 30% possible with SafePilot program
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
How to get the cheapest car insurance in Ann Arbor
Car insurance companies in Michigan can no longer use your credit score, marital status, occupation, ZIP code, educational level, home ownership, or gender to set your premium rates. However, your driving history and age can still affect how much you pay for insurance.
Shopping around and comparing quotes remains an effective way to find the cheapest car insurance. You can also reduce your car insurance costs by:
Maintaining a clean driving record: A driving record free of traffic violations, accidents, or other incidents is the most effective method of keeping low insurance costs.
Bundling insurance policies: It’s common to get a discount when you purchase your homeowners or renters insurance from the same company insuring your automobile.
Adjusting your coverage: Consider increasing your deductible, dropping collision or comprehensive coverage, or decreasing your liability amounts.
Find Cheap Car Insurance in Ann Arbor
Liability quotes start at $55/mo
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Cheapest liability-only car insurance in Ann Arbor: Auto-Owners
If you cause an accident, liability-only car insurance pays to repair or replace the other party’s damaged vehicle and associated medical costs. This coverage goes above and beyond the personal injury protection included in the other party’s policy. If you damage your own car, however, your liability-only coverage won’t pay to repair or replace it.
Liability-only insurance is generally the least expensive coverage option, but it can leave you financially vulnerable because it doesn’t cover your expenses beyond personal injury protection.
The average cost of liability insurance in Ann Arbor is $151 per month. The following insurers offer the cheapest liability-only car insurance in Ann Arbor on average.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $55 |
| USAA | $56 |
| Chubb | $61 |
| GEICO | $85 |
| Safeco | $93 |
| Progressive | $106 |
| Nationwide | $113 |
| State Farm | $115 |
| Direct Auto | $130 |
| Travelers | $133 |
| Bristol West | $160 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Ann Arbor: Auto-Owners
Drivers looking for more protection than liability-only coverage provides may want to purchase full-coverage car insurance. This kind of insurance generally includes collision coverage, which pays to repair or replace your vehicle if it’s damaged in an accident you caused. It also includes comprehensive coverage, which pays to repair or replace your vehicle if it’s damaged because of something other than an accident, such as weather, theft, or vandalism.
If you lease a vehicle or obtain a loan to purchase one, your insurer will generally require you to carry full-coverage insurance. On average, Ann Arbor drivers pay $290 per month for full-coverage insurance. Compare full-coverage quotes from some of the cheapest Ann Arbor insurers below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $98 |
| USAA | $99 |
| Chubb | $108 |
| Safeco | $146 |
| GEICO | $150 |
| Progressive | $157 |
| Nationwide | $200 |
| State Farm | $203 |
| Travelers | $236 |
| Direct Auto | $265 |
| Bristol West | $289 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Ann Arbor, Michigan
Drivers in and around Ann Arbor, Michigan have found policies from Auto-Owners, USA Underwriters, State Farm, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Ann Arbor, Michigan within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Ann Arbor, Michigan within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Michigan
Michigan is a no-fault insurance state, which means your insurance pays to cover you through its personal injury protection clause, no matter who’s at fault in an accident. Your liability insurance will cover the other driver if their damages exceed their own personal injury protection coverage.
Under no-fault rules, drivers must carry the following types of coverage:
Personal injury protection (PIP)
This coverage will pay for your medical bills and other associated costs (including loss of income) following an accident-related injury, regardless of fault.[2] You can choose from multiple coverage levels for PIP insurance:
Unlimited coverage, which is the default option unless the insured driver chooses a different coverage level
Up to $500,000
Up to $250,000
Up to $50,000 for drivers enrolled in Medicaid
PIP medical opt-out, for drivers who have both Medicare Part A and Part B health insurance
Property protection insurance (PPI)
This coverage pays for up to $1 million in damage your vehicle does to other peoples’ property while in the state of Michigan.
Residual bodily injury and property damage liability (BI/PD)
This pays for damages, including your legal defense, if you hurt or kill someone in an accident. It also pays for property damage done to other peoples’ property while driving outside of Michigan. The BI/PD state minimum requirements are as follows:
Coverage▲▼Minimum Requirements▲▼Bodily injury liability $50,000 per person and $100,000 per accident Property damage liability $10,000 per accident (outside of Michigan)
Though the above table shows the state minimum requirements for BI/PD coverage, Michigan has set the default coverage limits as follows:
Up to $250,000 for a person hurt or killed in an accident
Up to $500,000 for each accident if several people are hurt or killed
Up to $10,000 for property damage in another state
Unless you specifically decrease or increase these amounts, any insurance policy you purchase in Michigan will come with these limits by default.[3]
Important Information
Drivers in Michigan may also choose to purchase uninsured/underinsured motorist coverage. This coverage is optional but highly recommended. Michigan had the fifth-highest percentage of uninsured drivers in the United States as of 2022, with an estimated 19.6% of drivers in the state without insurance.[1]
Michigan insurance laws
The current auto insurance requirements in Michigan took effect July 2, 2020. Prior to the new insurance laws, Michigan required all drivers to carry mandatory comprehensive lifetime no-fault personal injury protection. Under the new law, drivers have a tiered choice of PIP coverage.[4]
Additionally, the new law also increased the minimum amount of coverage drivers must carry for bodily injury liability. Under the previous law, drivers had to carry a minimum of $20,000 per person and $40,000 per accident. The new law requires a minimum coverage of $50,000 per person and $100,000 per accident.
Cheapest car insurance for drivers with an incident
Having incidents on your driving record can affect your car insurance premiums. Whether you have a speeding ticket, an at-fault accident, a DUI, or another traffic citation on your record, your insurance company may consider you to be a higher-risk driver and raise your rates. In some cases, your insurer may even drop your coverage altogether.
In the sections that follow, you’ll see how different incident types can affect the rate you pay for car insurance in different ways. The average cost of insurance for an Ann Arbor driver with a past incident is $183 per month for liability insurance and $351 for full-coverage insurance.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Driving over the speed limit may be a common practice, but it’s still dangerous. The National Highway Safety Administration (NHTSA) found that 27% of Michigan traffic deaths in 2020 were speeding-related.[5] That’s why even a single speeding ticket on your driving record can lead to higher insurance rates.
Ann Arbor drivers with speeding tickets pay $347 per month for full-coverage car insurance on average. If you have a speeding ticket, the following insurance companies offer the cheapest liability car insurance in Ann Arbor.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Recoed ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $55 | $66 |
| USAA | $56 | $66 |
| Chubb | $61 | $74 |
| GEICO | $85 | $101 |
| Safeco | $93 | $112 |
| Progressive | $106 | $126 |
| Nationwide | $113 | $136 |
| State Farm | $115 | $135 |
| Direct Auto | $130 | $154 |
| Travelers | $133 | $160 |
| Bristol West | $160 | $190 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
If you have an at-fault accident on your driving record, you may find it difficult to get cheap car insurance. This is because many insurers will consider you a higher risk after an accident and either raise your rates or drop your coverage, depending on the circumstances and severity of the accident.
An at-fault accident increases the average cost of liability insurance to $195 per month for Ann Arbor drivers. If you’re in the market for new coverage, the following insurance companies have the cheapest liability rates for drivers with an at-fault accident in Ann Arbor.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $55 | $70 |
| USAA | $56 | $71 |
| Chubb | $61 | $78 |
| GEICO | $85 | $109 |
| Safeco | $93 | $116 |
| Progressive | $106 | $137 |
| Nationwide | $113 | $145 |
| State Farm | $115 | $145 |
| Direct Auto | $130 | $169 |
| Travelers | $133 | $171 |
| Bristol West | $160 | $202 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
The state of Michigan imposes severe penalties on anyone caught driving under the influence. A first offense will result in six points on your license. Depending on the judge’s discretion, you may also face the possibility of a hefty fine, some jail time, community service, or a suspension of your driving privileges.[6]
In addition to the state-level consequences, you can also expect to see your insurance rates go up significantly. Your insurer may also drop your coverage entirely. Drivers with a DUI conviction are considered a much higher risk, which means they’re less likely to be offered insurance coverage by standard insurance companies. Several insurance companies specialize in coverage for higher-risk drivers, but their rates will typically be much higher.
Drivers with a DUI in Ann Arbor have some of the highest liability insurance costs at $225 per month, on average. If you need car insurance after a DUI citation, the following insurers offer the cheapest liability car insurance in Ann Arbor for drivers in your situation.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $55 | $86 |
| USAA | $56 | $88 |
| Chubb | $61 | $96 |
| GEICO | $85 | $133 |
| Safeco | $93 | $146 |
| Progressive | $106 | $166 |
| Nationwide | $113 | $177 |
| State Farm | $115 | $180 |
| Direct Auto | $130 | $204 |
| Travelers | $133 | $209 |
| Bristol West | $160 | $251 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Age is the only demographic factor that insurers in Michigan can still use to set your car insurance rates. In general, insurers charge the highest rates to young drivers, in part because of their lack of experience behind the wheel. Rates tend to go down for adults around age 35 and stay low for safe drivers.
However, once senior drivers reach their 70s, insurance rates tend to go up again. That’s because reaching age 70 often coincides with a slowing of reflexes and response times, which increases the risk of getting into an accident.
The average monthly cost of car insurance for senior drivers in Ann Arbor is $133 for liability-only coverage and $256 for full-coverage insurance. Here, you can see the cheapest car insurance rates for seniors in Ann Arbor.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $45 | $80 |
| Chubb | $46 | $82 |
| USAA | $46 | $82 |
| GEICO | $70 | $124 |
| Progressive | $79 | $117 |
| Safeco | $81 | $127 |
| Nationwide | $88 | $155 |
| State Farm | $93 | $164 |
| Direct Auto | $105 | $214 |
| Travelers | $108 | $192 |
| Bristol West | $133 | $240 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teenage drivers have the highest insurance rates of any age demographic. Their lack of experience on the road, paired with the higher likelihood that they’ll make risky decisions, means a higher chance of accidents.
That doesn’t mean teen drivers, and their parents, are stuck paying high premiums. Here are several strategies that can help lower car insurance costs for teens:
Join your parents’ insurance. Although teens can potentially purchase their own auto insurance policy, it’ll almost always be cheaper and simpler for young drivers to join their parents’ policy.
Choose a safe car to drive. Safe cars are less expensive to insure, and the Insurance Institute for Highway Safety (IIHS) has put together a list of safe, practical, and affordable vehicles suitable for teen drivers.[7]
Maintain a good GPA. Many insurers offer a good student discount to teen drivers who get good grades.
Teen drivers in Ann Arbor have an average monthly cost of $207 for liability car insurance and $398 for full-coverage insurance. The following insurance companies offer the cheapest policies for teen drivers in Ann Arbor.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $83 | $148 |
| USAA | $83 | $147 |
| Chubb | $104 | $183 |
| GEICO | $119 | $210 |
| Safeco | $168 | $264 |
| Progressive | $169 | $250 |
| Nationwide | $174 | $308 |
| State Farm | $175 | $308 |
| Direct Auto | $212 | $433 |
| Travelers | $215 | $382 |
| Bristol West | $241 | $435 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Ann Arbor?
The average cost of insurance in Ann Arbor is $151 per month for liability insurance and $290 for full coverage. This is significantly higher than the national average cost of $104 for liability and $211 for full coverage. However, Ann Arbor drivers pay less on average than the Michigan state average of $173 for liability coverage and $309 for full-coverage insurance.
Michigan consistently ranks as one of the most expensive states for auto insurance. This is because of its no-fault insurance laws, which require all drivers to carry personal injury protection, property protection, and residual bodily injury and property damage liability. Additionally, the high cost of living in Ann Arbor may also affect the cost of full-coverage auto insurance since higher property costs generally increase the coverage needs for property protection.
More cities in Michigan
Ann Arbor’s car insurance prices fall in the middle of several Michigan cities, according to Insurify data. Compare average car insurance rates in different Michigan cities below.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Flint | $196 | $360 |
| Dearborn | $304 | $456 |
| Detroit | $344 | $400 |
| Grand Rapids | $148 | $296 |
| Kalamazoo | $167 | $321 |
| Lansing | $148 | $283 |
| Rochester | $173 | $325 |
| Warren | $219 | $357 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Ann Arbor car insurance FAQs
Before you start shopping around for insurance, you should determine how much auto coverage you need. The information below can help answer your questions about finding cheap car insurance in Ann Arbor.
How much is car insurance in Ann Arbor?
Car insurance in Ann Arbor averages $290 per month for full coverage and $151 for liability coverage. While Michigan is one of the most expensive states in the country for auto insurance, Ann Arbor’s rates are more affordable than many other similarly sized cities in the Great Lakes State.
Which company has the cheapest car insurance rates in Ann Arbor?
Ann Arbor drivers can find the lowest liability-only car insurance from Auto-Owners, which has an average rate of $55 per month for liability-only insurance in the city. USAA and Chubb also offer cheap liability insurance for Ann Arbor drivers, with average monthly rates of $56 and $61, respectively.
What are the best car insurance companies in Ann Arbor?
With an Insurify Quality (IQ) Score of 8.5 out of 5, an AM Best financial strength rating of A++ (Superior), and high auto claims satisfaction, Auto-Owners Insurance is one of the top insurers in Ann Arbor. The average cost of car insurance from Auto-Owners in Michigan is $63 per month for liability coverage and $112 for full-coverage insurance. Other top insurance companies include USAA and Chubb. These insurers have been recognized for their customer service, discounts offered, and coverage options available.
Why does Michigan have such high car insurance?
Michigan’s car insurance rates are high for a number of reasons, the first of which is its place as a no-fault state. In addition, Michigan can also have severe winters and has many communities with high crime rates that can increase the cost of car insurance in the state.
What’s the bare minimum for car insurance in Michigan?
In order to drive legally in Michigan, you must carry liability coverage that includes personal injury protection, property protection insurance, and residual bodily injury and property damage liability. These last two clauses must amount to $50,000 per person and $100,000 per accident in bodily injury liability and $10,000 per accident (outside of Michigan) in property damage liability.
Can Michigan insurance companies consider your credit history?
No. As of July 2, 2020, Michigan now legally prohibits insurers from using your credit-based insurance score to set your auto insurance rates. This makes Michigan one of only six states in the country that don’t allow insurers to use credit scores to set auto insurance premium rates.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Michigan
Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Michigan.gov. "Choosing PIP medical protection."
- Michigan.gov. "Frequently Asked Questions."
- Michigan Association for Justice. "Michigan's New Auto Insurance Law."
- National Highway Traffic Safety Administration. "Traffic Safety Facts 2020 Data."
- Michigan State Police. "Impaired Driving Law."
- Insurance Institute for Highway Safety. "IIHS, Consumer Reports update teen vehicle recommendations for 2023."
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Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
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