Learning which provider has the most affordable car insurance in Ann Arbor varies. Factors like age, driving record and preferred coverage levels affect rates.
Chubb has the best car insurance overall. It's the best bet for service, affordability, cheap full coverage and driving violations.
Travelers provides the cheapest minimum coverage policies. Meanwhile, GEICO is most affordable for teens. USAA is the most affordable option for military drivers.
Cheapest and Best Car Insurance in Ann Arbor, MI
Cheapest Minimum Liability Car Insurance in Ann Arbor
You can find the cheapest car insurance policies with minimum coverage in Ann Arbor from:
- Travelers: $90 per year
- Chubb: $349 per year
Hanover has the most expensive rate for minimum coverage policies, with an average annual premium of $2,461.
Travelers also offers the cheapest car insurance in Michigan as of October 2022. A minimum coverage policy only costs $101 per year, making Ann Arbor slightly less expensive than Michigan.
A minimum coverage policy in Michigan includes coverage for bodily injury, property damage and personal injury protection. The required limits for each of these are:
- $50,000 per person bodily injury coverage
- $100,000 per accident bodily injury coverage
- $10,000 property damage per accident outside of Michigan
- $1 million property damage per accident in Michigan
- $250,000 personal injury protection
If you're involved in an accident, you can file a claim of up to $300,000. This caps at $100,000 for each person. Your insurance company expects you to cost any amount beyond these limits.
Cheapest Full Coverage Car Insurance in Ann Arbor
The two companies offering the cheapest full coverage car insurance in Ann Arbor are:
- Pioneer State Mutual: $810 per year
- GEICO: $817 per year
MoneyGeek's study found Hanover is the most expensive car insurance provider in Ann Arbor. Its full coverage car insurance policy costs about $4,011 a year.
Our state-level analysis shows a similar result as of October 2022. The cheapest full coverage auto insurance for Michigan is GEICO, costing $898 per year, making it slightly more expensive than Ann Arbor.
Comprehensive and collision insurance sets a full coverage car insurance policy from one with minimum coverage.
- Collision Insurance: pays for damages to your car in an at-fault crash
- Comprehensive Insurance: covers the cost of repairs needed after a non-collision incident, such as theft, vandalism or a falling branch
Although it offers more protection, a full coverage policy may not be worth it in some situations. For instance, if you have an older vehicle, you may pay an expensive premium for a car with little to no value.
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Cheapest Car Insurance in Ann Arbor After a Driving Offense
Drivers with violations on their driving records may find the cheapest car insurance in Ann Arbor from these companies:
- With Speeding Tickets: Chubb ($932 per year)
- With At-Fault Accidents: Chubb ($932 per year)
- With a DUI: Chubb ($932 per year)
As the cheapest provider in Ann Arbor is the same, so is the one with the most expensive rates. Policies from Hanover cost $5,818, $6,398 and $8,049 for those with speeding tickets, at-fault accidents and DUIs, respectively.
Your driving record may affect your car insurance rate significantly. Drivers with clean records are likely to get lower premiums from car insurance companies.
Generally, car insurance premiums become more expensive for more severe traffic violations. However, that's not always the case. For instance, Chubb, which offers the cheapest auto insurance for poor driving records, has the same rate for those with speeding tickets, at-fault accidents or DUIs.
Cheapest Car Insurance in Ann Arbor for Teens and Their Families
You can find the most affordable car insurance for teens on a family policy from these companies:
- GEICO: $2,046 per year for all teens
- Progressive: $2,508 per year for all teens
State Farm has the most expensive rate for similar policies at $7,669 per year on average.
In some cases, insurers charge a higher premium for young men because they see these drivers as riskier to insure. The difference in rate typically tapers off in early adulthood. But, in Ann Arbor, insurance companies offer the same premiums regardless of gender.
Including a young driver on a family policy is the cheapest car insurance option for teens. Although you can purchase individual policies, the difference in rate can be significant. A family policy costs $3,905 annually in Ann Arbor, while a separate plan for a teen plan amounts to $7,802 — a 50% increase.
Cheapest Car Insurance in Ann Arbor for Military Drivers
Those looking for cheap auto insurance for military drivers can find the least expensive car insurance in Ann Arbor from:
- USAA: $585 per year
- GEICO: $817 per year
These rates are for policies offering full coverage. Your most affordable options for minimum coverage are Travelers and USAA. Their policies cost $90 and $242 annually, respectively.
How to Compare Cheap Ann Arbor Car Insurance Quotes Online
When exploring car insurance options, comparing quotes from at least three providers increases your chances of finding the best deal. Be prepared to spend around 15 minutes on each quote because you need to put in a ton of personal details.
MoneyGeek's car insurance calculator can quickly give an estimate based on your age, vehicle, preferred coverage level and driving record.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Ann Arbor: Summary
The best car insurance for one person might be different for another. The factors you value, such as affordability or service quality, affect it. That said, the best car insurance providers in Ann Arbor are:
- Best overall: Chubb (MoneyGeek score 88 out of 100)
- Best for service: Chubb (MoneyGeek score 76 out of 100)
- Best cheap: Chubb (MoneyGeek score 85 out of 100)
An insurer's MoneyGeek score may vary between categories since the factors we used are weighted based on relevance. Just like in Ann Arbor, statewide, the best auto insurance company in Michigan is Chubb. Drivers with military backgrounds can also consider USAA as a provider.
Best Overall Car Insurance in Ann Arbor
MoneyGeek's analysis determined the best car insurance companies in Ann Arbor are:
- Chubb: MoneyGeek score 88 out of 100 ($932 per year)
- Farm Bureau Insurance of Michigan: MoneyGeek score 83 out of 100 ($1,137 per year)
Chubb has high affordability and customer satisfaction scores, which means you get service quality at a manageable rate.
Another solid option is USAA, especially for drivers with a military background (whether veterans or on active duty). It has a MoneyGeek score of 83 out of 100.
How was this MoneyGeek score calculated?
Excellent scores for customer service and affordability
Offers OEM coverage
Scored lower on essential coverages than half of the other insurers in the study
Some common coverages, such as Roadside Assistance or Accidental Forgiveness, aren't offered
The average cost of a full coverage car insurance policy from Chubb is $932 a year. This may make it an excellent choice for drivers who want efficient claims processing and high service quality at a reasonable price.
Chubb offers several coverages other insurers don't, but the one worth highlighting is the original equipment manufacturer (OEM) coverage. There's nothing like using parts designed for your car when it needs repairs.
You may also benefit from Chubb's Agreed Value coverage, which can be a lifesaver if your car gets stolen or totaled. When you sign up for this option, you and Chubb agree on how much your car is worth. Then, if your car is no longer usable, the company reimburses you for the originally-agreed value.
Chubb also has common coverages like rental car reimbursement. If your car's in the shop, Chubb can cover rental expenses up to $5,000 to ensure your schedule isn't too disrupted.
Best Car Insurance in Ann Arbor for Customer Service
Without considering cost, the best auto insurance companies for customer service in Ann Arbor are:
- Chubb: MoneyGeek score 76 out of 100 ($932 per year)
- Farm Bureau Insurance of Michigan: MoneyGeek score 73 out of 100 ($1,137 per year)
Out of the 13 companies in Ann Arbor MoneyGeek included in this study, Chubb scored highest in claims excellence and customer satisfaction. Its average annual rate is also more affordable than over half of the other insurers. You don't have to break the bank for a positive customer experience.
How was this MoneyGeek score calculated?
Ranked first in customer satisfaction
Excellent claims process
Only offers two out of the four essential coverages
Chubb may not have all coverages, but it gets fewer complaints than its competitors.
Its ranking in the Crash Network’s 2022 Honor Roll shows it strives to ensure a smooth claims experience. Considering how stressful an accident can be, this may be an attractive feature.
You may find several coverages reflect the service quality its customers receive. For example, Chubb cares about safety, paying for original parts for your car’s repairs.
It’s also ready to reimburse you based on your car’s worth when you wrote up your policy via Agreed Value coverage. This extra coverage could mean thousands in savings if your car gets totaled or stolen.
Best Cheap Car Insurance Companies in Ann Arbor
In Ann Arbor, drivers who value affordability and service quality can purchase the best car insurance meeting Michigan's minimum insurance from these companies:
- Chubb: MoneyGeek score 85 out of 100 ($349 per year)
- Travelers: MoneyGeek score 80 out of 100 ($90 per year)
These companies can be attractive to drivers in Ann Arbor on a budget. But, minimum coverage policies provide the least protection. If you’re in an accident, you might not have enough coverage for liability costs. It also won't cover any damage to your car.
How was this MoneyGeek score calculated?
Offers a policy with minimum coverage for $349 per year
Provides excellent customer satisfaction
Has an efficient claims process
Lacks some essential coverages
It doesn't offer more common discounts, such as for multiple cars or safe driving
For $349 per year, Chubb's minimum coverage auto insurance policy is easily the most affordable option in Ann Arbor. Despite that, you can still get discounts to lower your rate.
Cost isn't the only good thing about Chubb. It also provides quality service, leaving customers satisfied — and you don't have to break the bank to have a positive experience.
Like most insurers, Chubb offers discounts if you bundle insurance types or have an anti-theft system. But you can also find rarer ones, like anti-lock brakes, which keep you safe if the road is slippery.
Chubb offers a discount if you have an electronic tracking device installed, which comes in handy if your car gets stolen. It's one of the rarer discounts available, and other insurers may not offer it.
Average Cost of Car Insurance in Ann Arbor
For an average cost of $1,361 per year as of October 2022, you can purchase a full coverage car insurance policy in Arbor with the following liability limits:
- $100,000 bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
This is $830 lower than the average cost of auto insurance in Michigan. However, it's also 7.59% more expensive than the national average of $1,265. Rates between cities and states vary because location affects premiums.
About Mark Fitzpatrick