Compare the Cheapest Car Insurance Quotes in Ann Arbor

In Ann Arbor, the average cost of car insurance is $1,671 per year, which is less than the state average. With an average premium of $896, GEICO is the cheapest carrier. MoneyGeek analyzed the cheapest companies by coverage level and driving history to help you find the best rates. MoneyGeek also rated insurers that balance quality and affordability.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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GEICO is the cheapest auto insurance provider for full coverage, state minimum insurance and if you have a speeding ticket. However, your coverage level and driver profile influence your rates.

If you have a military background, USAA is your cheapest option.

According to our research, Hartford balances cost and customer service, making it the best overall insurer in Ann Arbor.

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The Cheapest and Best Car Insurance in Ann Arbor

The Cheapest Car Insurance Companies in Ann Arbor

On average, the cheapest auto insurance providers in Ann Arbor that offer full coverage are:

  • GEICO: $896 per year
  • MetLife: $1,272 per year

USAA offers the most affordable annual premium, costing $862. While it’s the cheapest provider, it’s exclusively for veterans, active military members and their families.

A full coverage policy with GEICO is 214.6% cheaper than Hanover, the most expensive auto insurance provider. Full coverage offers more protection since you get collision and comprehensive insurance in addition to basic liability coverage.

Cheapest Car Insurance in Ann Arbor
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $862
  • 2.
    GEICO
    $896
  • 3.
    MetLife
    $1,272
  • 4.
    Progressive
    $1,319
  • 5.
    Auto-Owners Insurance Co
    $1,402
  • 6.
    Nationwide
    $1,556
  • 7.
    State Farm
    $1,628
  • 8.
    Travelers
    $1,692
  • 9.
    AAA
    $1,724
  • 10.
    Esurance
    $1,735
  • 11.
    Allstate
    $1,758
  • 12.
    Farmers
    $1,953
  • 13.
    Mercury
    $1,975
  • 14.
    Hanover
    $2,819

MoneyGeek compiled average rates for a 40-year-old male driver with a full coverage policy in Ann Arbor based on our methodology.

Full coverage is pricier than minimum coverage, but it provides more protection in case your car is damaged. It adds comprehensive and collision insurance on top of state minimum liability.

  • Collision Insurance: Protects you from expenses caused by a vehicular accident.
  • Comprehensive Insurance: Protects you against damages due to theft, vandalism and hail.

If your full coverage policy costs more than your older vehicle, you may end up paying more for your premiums. To get the cheapest rates, you can purchase state minimum or liability-only insurance.

Compare Car Insurance Rates in Ann Arbor

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Ann Arbor for Minimum Coverage

If you’re looking for the most affordable coverage, consider state minimum or liability-only coverage. For state minimum policies, the most affordable auto insurance providers in Lowell are, on average:

  • GEICO: $575 per year
  • Nationwide: $596 per year

USAA offers the most affordable premiums at $549 per year, but it is only available for military members and their families.

Hanover offers the most expensive policy, costing $1,701 per year. This means GEICO’s policies are $1,126 cheaper.

While minimum coverage is your most affordable option, it doesn’t include collision or comprehensive insurance. Therefore, you risk not being fully covered. If you want to check how your costs change with higher liability coverage, you can toggle the below table.

Cheapest Minimum Liability Car Insurance in Ann Arbor
State Minimum

A state minimum policy is the cheapest coverage you can purchase in Michigan, but it offers the least protection. The state minimum car insurance in Michigan only includes liability insurance, unlimited personal injury protection and property protection with 20/40/10 limits.

You may end up paying more for out-of-pocket expenses even if it’s cheaper to purchase a state minimum policy. If you’re in an at-fault accident and incur $60,000 in medical expenses, you’re only covered $40,000 for bodily injury liability. As a result, you’ll need to pay $20,000 out of pocket.

Michigan Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury
    $20,000 per person and $40,000 per accident. A more protective level is 100/300/100.
  • Personal Injury Protection
    Unlimited per person. Unlimited per accident.
  • Other
    $1 million property protection.

Cheapest Car Insurance in Ann Arbor if You Have Driving Violations

If you have a poor driving record, your premiums become more expensive. If you have driving violations, the cheapest providers in Ann Arbor are, on average:

  • Cheapest after a ticket: GEICO at $1,499 per year
  • Cheapest after an at-fault accident: GEICO at $1,655 per year
  • Cheapest after a DUI: Progressive at $1,589 per year

For military members and their families, USAA offers the cheapest policies for all violations.

It takes time to improve your driving record, but doing so can help you get cheaper rates. While waiting, you can browse different auto insurance companies with the best deals after a ticket or accident.

Cheapest Car Insurance in Ann Arbor With a Violation
Speeding Ticket

Average Cost of Car Insurance in Ann Arbor

Ann Arbor$1,671
Michigan$5,471
U.S.$1,424

Car insurance costs vary by city. In Michigan, the average annual cost of car insurance is $5,471. The average auto insurance premium in Ann Arbor costs $1,671 per year and is 69.5% cheaper than the state average. However, Ann Arbor’s rates are 17.3% more expensive than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Ann Arbor

Insurance companies consider factors like car make and model, coverage level, age and more when determining your auto insurance premiums. Because of this, it’s advisable to compare auto insurance quotes from different insurers to find the best deal.

Compare Car Insurance Rates in Ann Arbor

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Ann Arbor

MoneyGeek found the best auto insurance companies in Ann Arbor for drivers who want insurers that balance great service and affordability. These companies are:

  • Hartford: MoneyGeek score of 88 out of 100
  • Auto-Owners Insurance Co: MoneyGeek score of 88 out of 100

USAA is the best insurance company for former and current military members and their families.

MoneyGeek used J.D. Power’s user satisfaction, affordability and financial stability to rank the best providers in Ann Arbor.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:87.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
Auto-Owners Insurance Co
Score:87.5

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
GEICO
Score:87.5

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
Cincinnati Insurance Companies
Score:87.5

3/5

Affordability

5/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Country Financial
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

7
State Farm
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

8
Farm Bureau Ins of MI
Score:82.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

9
Nationwide
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

11
Grange
Score:80

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Progressive
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

13
Allstate
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
American Family
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

15
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

16
MetLife
Score:80

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

17
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

18
Hanover
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

19
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

20
AAA
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

21
Safeco
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Your ZIP code in Ann Arbor determines the risk level in your location. Insurance providers use it to determine your premiums since rates of car theft, accidents and vandalism vary by area.

There is an $18 difference between ZIP codes 48104 and 48103. Drivers that live in the 48103 area pay roughly $1,680 per year, and drivers in 48104 pay around $1,662 annually.

  • Zip Code
    State Minimumper year
  • 48104
    $1,662
  • 48103
    $1,680

Factors That Impact Insurance Costs in Ann Arbor

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Ann Arbor. How Ann Arbor ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities249th/300
handcuffs2 icon
Most Car Thefts8th/300
uninsured icon
Most Uninsured Motorists by State4th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall171st/300
umbrella icon
Most Rainy Days23rd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Ann Arbor are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.