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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceAnn Arbor
2023

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.

Company
Annual Premium
Monthly Premium

Travelers

$83

$7

Travelers

$90

$8

Travelers

$98

$8

Chubb

$289

$24

Chubb

$349

$29

Chubb

$384

$32

Pioneer State Mutual Ins Co

$422

$35

Pioneer State Mutual Ins Co

$441

$37

Pioneer State Mutual Ins Co

$458

$38

Farm Bureau Ins of MI

$517

$43

GEICO

$521

$43

GEICO

$521

$43

GEICO

$529

$44

Auto-Owners Insurance Co

$538

$45

Farm Bureau Ins of MI

$543

$45

Encompass

$554

$46

Westfield

$555

$46

Progressive

$567

$47

Progressive

$571

$48

Auto-Owners Insurance Co

$572

$48

Progressive

$574

$48

Westfield

$601

$50

Encompass

$629

$52

Encompass

$629

$52

Farmers

$642

$54

Auto-Owners Insurance Co

$661

$55

Westfield

$665

$55

Farm Bureau Ins of MI

$667

$56

Farmers

$685

$57

Grange Insurance

$708

$59

Grange Insurance

$714

$60

Farmers

$750

$63

Pioneer State Mutual Ins Co

$756

$63

Travelers

$764

$64

Chubb

$775

$65

Pioneer State Mutual Ins Co

$810

$68

GEICO

$817

$68

GEICO

$817

$68

GEICO

$821

$68

Progressive

$845

$70

Travelers

$846

$71

Grange Insurance

$866

$72

Progressive

$868

$72

State Farm

$880

$73

Chubb

$932

$78

Travelers

$946

$79

State Farm

$955

$80

Pioneer State Mutual Ins Co

$959

$80

Progressive

$987

$82

Farmers

$1,011

$84

Chubb

$1,035

$86

Farm Bureau Ins of MI

$1,045

$87

State Farm

$1,080

$90

Farmers

$1,113

$93

Auto-Owners Insurance Co

$1,124

$94

Farm Bureau Ins of MI

$1,137

$95

Auto-Owners Insurance Co

$1,147

$96

Auto-Owners Insurance Co

$1,216

$101

Encompass

$1,220

$102

Farmers

$1,241

$103

State Farm

$1,374

$115

Grange Insurance

$1,394

$116

Farm Bureau Ins of MI

$1,401

$117

Encompass

$1,435

$120

Encompass

$1,435

$120

Grange Insurance

$1,484

$124

State Farm

$1,503

$125

Grange Insurance

$1,534

$128

Westfield

$1,596

$133

Westfield

$1,702

$142

State Farm

$1,732

$144

Westfield

$2,108

$176

Hanover

$2,331

$194

Hanover

$2,461

$205

Hanover

$2,635

$220

Hanover

$3,643

$304

Hanover

$4,011

$334

Hanover

$4,629

$386

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.

Company
Annual Premium
Monthly Premium

Travelers

$83

$7

Travelers

$90

$8

Travelers

$98

$8

Chubb

$289

$24

Chubb

$349

$29

Chubb

$384

$32

Pioneer State Mutual Ins Co

$422

$35

Pioneer State Mutual Ins Co

$441

$37

Pioneer State Mutual Ins Co

$458

$38

Farm Bureau Ins of MI

$517

$43

GEICO

$521

$43

GEICO

$521

$43

GEICO

$529

$44

Auto-Owners Insurance Co

$538

$45

Farm Bureau Ins of MI

$543

$45

Encompass

$554

$46

Westfield

$555

$46

Progressive

$567

$47

Progressive

$571

$48

Auto-Owners Insurance Co

$572

$48

Progressive

$574

$48

Westfield

$601

$50

Encompass

$629

$52

Encompass

$629

$52

Farmers

$642

$54

Auto-Owners Insurance Co

$661

$55

Westfield

$665

$55

Farm Bureau Ins of MI

$667

$56

Farmers

$685

$57

Grange Insurance

$708

$59

Grange Insurance

$714

$60

Farmers

$750

$63

Pioneer State Mutual Ins Co

$756

$63

Travelers

$764

$64

Chubb

$775

$65

Pioneer State Mutual Ins Co

$810

$68

GEICO

$817

$68

GEICO

$817

$68

GEICO

$821

$68

Progressive

$845

$70

Travelers

$846

$71

Grange Insurance

$866

$72

Progressive

$868

$72

State Farm

$880

$73

Chubb

$932

$78

Travelers

$946

$79

State Farm

$955

$80

Pioneer State Mutual Ins Co

$959

$80

Progressive

$987

$82

Farmers

$1,011

$84

Chubb

$1,035

$86

Farm Bureau Ins of MI

$1,045

$87

State Farm

$1,080

$90

Farmers

$1,113

$93

Auto-Owners Insurance Co

$1,124

$94

Farm Bureau Ins of MI

$1,137

$95

Auto-Owners Insurance Co

$1,147

$96

Auto-Owners Insurance Co

$1,216

$101

Encompass

$1,220

$102

Farmers

$1,241

$103

State Farm

$1,374

$115

Grange Insurance

$1,394

$116

Farm Bureau Ins of MI

$1,401

$117

Encompass

$1,435

$120

Encompass

$1,435

$120

Grange Insurance

$1,484

$124

State Farm

$1,503

$125

Grange Insurance

$1,534

$128

Westfield

$1,596

$133

Westfield

$1,702

$142

State Farm

$1,732

$144

Westfield

$2,108

$176

Hanover

$2,331

$194

Hanover

$2,461

$205

Hanover

$2,635

$220

Hanover

$3,643

$304

Hanover

$4,011

$334

Hanover

$4,629

$386

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.

Company
Annual Premium
Monthly Premium

Travelers

$146

$12

Travelers

$157

$13

Travelers

$175

$15

Travelers

$210

$18

Travelers

$219

$18

Travelers

$238

$20

Chubb

$289

$24

Chubb

$289

$24

Chubb

$289

$24

Chubb

$349

$29

Chubb

$349

$29

Chubb

$349

$29

Chubb

$384

$32

Chubb

$384

$32

Chubb

$384

$32

Travelers

$420

$35

Travelers

$420

$35

Travelers

$438

$37

Pioneer State Mutual Ins Co

$508

$42

Pioneer State Mutual Ins Co

$528

$44

Pioneer State Mutual Ins Co

$551

$46

Farm Bureau Ins of MI

$600

$50

Progressive

$619

$52

Progressive

$621

$52

Progressive

$625

$52

Encompass

$625

$52

Farm Bureau Ins of MI

$629

$52

Auto-Owners Insurance Co

$631

$53

Pioneer State Mutual Ins Co

$648

$54

Progressive

$659

$55

Progressive

$660

$55

Progressive

$665

$55

Westfield

$666

$56

Pioneer State Mutual Ins Co

$674

$56

Auto-Owners Insurance Co

$694

$58

Farm Bureau Ins of MI

$702

$58

Pioneer State Mutual Ins Co

$707

$59

Encompass

$710

$59

Encompass

$710

$59

Progressive

$720

$60

Progressive

$721

$60

Westfield

$721

$60

Auto-Owners Insurance Co

$724

$60

Progressive

$728

$61

Farm Bureau Ins of MI

$738

$62

Farm Bureau Ins of MI

$773

$64

Chubb

$775

$65

Chubb

$775

$65

Chubb

$775

$65

Auto-Owners Insurance Co

$794

$66

Auto-Owners Insurance Co

$798

$66

Westfield

$798

$67

Westfield

$815

$68

Encompass

$816

$68

Farmers

$861

$72

Westfield

$862

$72

Farmers

$872

$73

Pioneer State Mutual Ins Co

$890

$74

Farmers

$903

$75

Pioneer State Mutual Ins Co

$905

$75

Farm Bureau Ins of MI

$906

$76

Farmers

$911

$76

Auto-Owners Insurance Co

$914

$76

Farmers

$919

$77

Encompass

$925

$77

Encompass

$925

$77

Westfield

$926

$77

Pioneer State Mutual Ins Co

$927

$77

Farmers

$928

$77

Chubb

$932

$78

Chubb

$932

$78

Chubb

$932

$78

Farmers

$947

$79

Progressive

$949

$79

Grange Insurance

$956

$80

Pioneer State Mutual Ins Co

$969

$81

Pioneer State Mutual Ins Co

$973

$81

Progressive

$976

$81

Farmers

$977

$81

Farmers

$986

$82

Grange Insurance

$988

$82

Chubb

$1,035

$86

Chubb

$1,035

$86

Chubb

$1,035

$86

Progressive

$1,044

$87

GEICO

$1,046

$87

State Farm

$1,053

$88

Progressive

$1,073

$89

GEICO

$1,075

$90

GEICO

$1,084

$90

Progressive

$1,094

$91

Progressive

$1,128

$94

Pioneer State Mutual Ins Co

$1,142

$95

Pioneer State Mutual Ins Co

$1,144

$95

State Farm

$1,145

$95

Grange Insurance

$1,152

$96

Progressive

$1,158

$97

GEICO

$1,173

$98

Progressive

$1,196

$100

Grange Insurance

$1,198

$100

Farm Bureau Ins of MI

$1,212

$101

Pioneer State Mutual Ins Co

$1,214

$101

Grange Insurance

$1,224

$102

GEICO

$1,263

$105

GEICO

$1,274

$106

Progressive

$1,288

$107

State Farm

$1,297

$108

State Farm

$1,311

$109

Farm Bureau Ins of MI

$1,320

$110

Auto-Owners Insurance Co

$1,326

$111

Grange Insurance

$1,332

$111

Grange Insurance

$1,346

$112

Auto-Owners Insurance Co

$1,371

$114

Farm Bureau Ins of MI

$1,376

$115

Encompass

$1,378

$115

Farmers

$1,394

$116

Auto-Owners Insurance Co

$1,416

$118

State Farm

$1,430

$119

Travelers

$1,438

$120

Pioneer State Mutual Ins Co

$1,439

$120

Farmers

$1,454

$121

Auto-Owners Insurance Co

$1,458

$122

Farm Bureau Ins of MI

$1,463

$122

Farmers

$1,463

$122

Grange Insurance

$1,486

$124

Farmers

$1,491

$124

Farm Bureau Ins of MI

$1,496

$125

Farmers

$1,502

$125

Auto-Owners Insurance Co

$1,511

$126

Farmers

$1,525

$127

Farm Bureau Ins of MI

$1,537

$128

Pioneer State Mutual Ins Co

$1,546

$129

Auto-Owners Insurance Co

$1,559

$130

Auto-Owners Insurance Co

$1,567

$131

Farmers

$1,592

$133

Travelers

$1,596

$133

Grange Insurance

$1,618

$135

State Farm

$1,622

$135

Encompass

$1,623

$135

Encompass

$1,623

$135

Farm Bureau Ins of MI

$1,625

$135

Farmers

$1,630

$136

Pioneer State Mutual Ins Co

$1,634

$136

State Farm

$1,644

$137

Auto-Owners Insurance Co

$1,662

$139

Farmers

$1,664

$139

Westfield

$1,685

$140

GEICO

$1,721

$143

Westfield

$1,731

$144

Auto-Owners Insurance Co

$1,786

$149

Travelers

$1,787

$149

GEICO

$1,789

$149

Westfield

$1,795

$150

State Farm

$1,795

$150

Encompass

$1,796

$150

GEICO

$1,810

$151

Grange Insurance

$1,820

$152

Farm Bureau Ins of MI

$1,844

$154

Westfield

$1,872

$156

Farm Bureau Ins of MI

$1,887

$157

GEICO

$1,930

$161

Travelers

$1,933

$161

Pioneer State Mutual Ins Co

$1,940

$162

Westfield

$1,989

$166

Grange Insurance

$2,030

$169

State Farm

$2,046

$171

Grange Insurance

$2,048

$171

State Farm

$2,074

$173

Travelers

$2,094

$175

GEICO

$2,102

$175

Encompass

$2,112

$176

Encompass

$2,112

$176

GEICO

$2,131

$178

Grange Insurance

$2,190

$183

State Farm

$2,234

$186

State Farm

$2,262

$189

Travelers

$2,291

$191

Grange Insurance

$2,304

$192

Grange Insurance

$2,450

$204

State Farm

$2,473

$206

Westfield

$2,474

$206

State Farm

$2,586

$216

Westfield

$2,627

$219

Grange Insurance

$2,674

$223

Farm Bureau Ins of MI

$2,738

$228

Westfield

$2,751

$229

State Farm

$2,816

$235

Auto-Owners Insurance Co

$2,870

$239

Grange Insurance

$2,904

$242

Farm Bureau Ins of MI

$2,973

$248

Grange Insurance

$2,980

$248

Auto-Owners Insurance Co

$3,002

$250

Encompass

$3,092

$258

Auto-Owners Insurance Co

$3,159

$263

GEICO

$3,167

$264

GEICO

$3,184

$265

Westfield

$3,229

$269

GEICO

$3,239

$270

Travelers

$3,514

$293

State Farm

$3,525

$294

Encompass

$3,525

$294

Encompass

$3,525

$294

Hanover

$3,555

$296

Hanover

$3,611

$301

Farm Bureau Ins of MI

$3,661

$305

Travelers

$3,668

$306

Hanover

$3,819

$318

State Farm

$3,844

$320

Travelers

$3,864

$322

Hanover

$3,905

$325

Hanover

$3,983

$332

Hanover

$4,246

$354

State Farm

$4,466

$372

Hanover

$4,771

$398

Hanover

$4,867

$406

Westfield

$4,915

$410

Westfield

$5,039

$420

Hanover

$5,157

$430

GEICO

$5,428

$452

GEICO

$5,489

$457

Hanover

$5,501

$458

GEICO

$5,512

$459

Westfield

$5,516

$460

Hanover

$5,818

$485

Hanover

$6,043

$504

Hanover

$6,398

$533

Encompass

$6,472

$539

Hanover

$6,613

$551

Hanover

$7,303

$609

Encompass

$7,532

$628

Encompass

$7,532

$628

Hanover

$7,599

$633

Hanover

$8,049

$671

Hanover

$9,150

$763

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$884

$3,392

GEICO

$993

$3,392

GEICO

$1,020

$3,914

GEICO

$1,023

$4,371

GEICO

$1,050

$4,029

GEICO

$1,146

$3,914

GEICO

$1,150

$4,371

GEICO

$1,180

$4,029

GEICO

$1,234

$4,673

GEICO

$1,234

$4,673

Travelers

$1,257

$2,390

Travelers

$1,257

$2,390

GEICO

$1,571

$6,939

GEICO

$1,571

$6,939

Progressive

$1,584

$1,546

Progressive

$1,584

$1,546

GEICO

$1,646

$6,233

GEICO

$1,646

$6,233

Progressive

$1,683

$2,276

Progressive

$1,683

$2,276

GEICO

$1,700

$7,679

GEICO

$1,700

$7,679

Encompass

$1,794

$3,905

Encompass

$1,794

$3,905

Progressive

$1,824

$1,780

Progressive

$1,824

$1,780

Progressive

$1,886

$2,111

Progressive

$1,886

$2,111

Progressive

$1,910

$2,826

Progressive

$1,910

$2,826

Progressive

$1,956

$2,645

Progressive

$1,956

$2,645

Progressive

$1,971

$1,924

Progressive

$1,971

$1,924

Auto-Owners Insurance Co

$2,010

$2,868

Auto-Owners Insurance Co

$2,010

$2,868

Encompass

$2,040

$4,977

Encompass

$2,040

$4,977

GEICO

$2,046

$10,020

GEICO

$2,046

$10,020

Encompass

$2,065

$4,821

Encompass

$2,065

$4,821

Travelers

$2,080

$4,478

Travelers

$2,080

$4,478

Encompass

$2,096

$4,562

Encompass

$2,096

$4,562

Auto-Owners Insurance Co

$2,129

$3,038

Auto-Owners Insurance Co

$2,129

$3,038

Encompass

$2,153

$4,687

Encompass

$2,153

$4,687

Progressive

$2,158

$7,503

Progressive

$2,158

$7,503

GEICO

$2,219

$10,020

GEICO

$2,219

$10,020

Auto-Owners Insurance Co

$2,225

$3,524

Auto-Owners Insurance Co

$2,225

$3,524

Travelers

$2,282

$4,478

Travelers

$2,282

$4,478

Auto-Owners Insurance Co

$2,290

$3,267

Auto-Owners Insurance Co

$2,290

$3,267

Auto-Owners Insurance Co

$2,337

$3,779

Auto-Owners Insurance Co

$2,337

$3,779

Travelers

$2,354

$4,478

Travelers

$2,354

$4,478

Travelers

$2,354

$4,478

Travelers

$2,354

$4,478

Progressive

$2,449

$8,517

Progressive

$2,449

$8,517

Auto-Owners Insurance Co

$2,500

$4,281

Auto-Owners Insurance Co

$2,500

$4,281

Farmers

$2,502

$2,884

Farmers

$2,502

$2,884

Progressive

$2,508

$10,144

Progressive

$2,508

$10,144

Auto-Owners Insurance Co

$2,517

$4,071

Auto-Owners Insurance Co

$2,517

$4,071

Farmers

$2,675

$3,921

Farmers

$2,675

$3,921

Auto-Owners Insurance Co

$2,749

$4,577

Auto-Owners Insurance Co

$2,749

$4,577

Farmers

$2,787

$11,897

Farmers

$2,787

$11,897

Encompass

$2,830

$8,467

Encompass

$2,830

$8,467

Auto-Owners Insurance Co

$2,939

$5,133

Auto-Owners Insurance Co

$2,939

$5,133

Farmers

$2,975

$12,697

Farmers

$2,975

$12,697

Farmers

$2,978

$3,743

Farmers

$2,978

$3,743

Encompass

$2,980

$7,272

Encompass

$2,980

$7,272

Auto-Owners Insurance Co

$2,984

$4,969

Auto-Owners Insurance Co

$2,984

$4,969

Farmers

$3,041

$3,505

Farmers

$3,041

$3,505

Encompass

$3,094

$8,850

Encompass

$3,094

$8,850

Farmers

$3,120

$3,596

Farmers

$3,120

$3,596

Encompass

$3,239

$9,265

Encompass

$3,239

$9,265

Encompass

$3,244

$9,725

Encompass

$3,244

$9,725

Farmers

$3,260

$5,435

Farmers

$3,260

$5,435

Farmers

$3,398

$4,982

Farmers

$3,398

$4,982

State Farm

$3,609

$6,017

State Farm

$3,609

$6,017

Farmers

$3,754

$23,472

Farmers

$3,754

$23,472

State Farm

$4,036

$6,728

State Farm

$4,036

$6,728

Travelers

$4,164

$10,018

Travelers

$4,164

$10,018

State Farm

$4,292

$8,414

State Farm

$4,292

$8,414

State Farm

$4,474

$7,458

State Farm

$4,474

$7,458

State Farm

$4,861

$9,333

State Farm

$4,861

$9,333

Travelers

$5,105

$10,018

Travelers

$5,105

$10,018

Travelers

$5,315

$12,479

Travelers

$5,315

$12,479

Travelers

$5,615

$13,536

Travelers

$5,615

$13,536

State Farm

$5,655

$10,857

State Farm

$5,655

$10,857

State Farm

$5,664

$12,434

State Farm

$5,664

$12,434

Travelers

$5,765

$13,536

Travelers

$5,765

$13,536

State Farm

$6,615

$14,346

State Farm

$6,615

$14,346

State Farm

$7,625

$16,536

State Farm

$7,625

$16,536

State Farm

$7,669

$19,011

State Farm

$7,669

$19,011

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.

Company
Annual Premium
Monthly Premium

Travelers

$83

$7

Travelers

$90

$8

Travelers

$98

$8

USAA

$242

$20

USAA

$243

$20

USAA

$264

$22

Chubb

$289

$24

Chubb

$349

$29

Chubb

$384

$32

Pioneer State Mutual Ins Co

$422

$35

Pioneer State Mutual Ins Co

$441

$37

Pioneer State Mutual Ins Co

$458

$38

Farm Bureau Ins of MI

$517

$43

GEICO

$521

$43

GEICO

$521

$43

GEICO

$529

$44

Auto-Owners Insurance Co

$538

$45

Farm Bureau Ins of MI

$543

$45

Encompass

$554

$46

Westfield

$555

$46

Progressive

$567

$47

USAA

$567

$47

Progressive

$571

$48

Auto-Owners Insurance Co

$572

$48

Progressive

$574

$48

USAA

$585

$49

Westfield

$601

$50

Encompass

$629

$52

Encompass

$629

$52

Farmers

$642

$54

Auto-Owners Insurance Co

$661

$55

Westfield

$665

$55

Farm Bureau Ins of MI

$667

$56

Farmers

$685

$57

USAA

$701

$58

Grange Insurance

$708

$59

Grange Insurance

$714

$60

Farmers

$750

$63

Pioneer State Mutual Ins Co

$756

$63

Travelers

$764

$64

Chubb

$775

$65

Pioneer State Mutual Ins Co

$810

$68

GEICO

$817

$68

GEICO

$817

$68

GEICO

$821

$68

Progressive

$845

$70

Travelers

$846

$71

Grange Insurance

$866

$72

Progressive

$868

$72

State Farm

$880

$73

Chubb

$932

$78

Travelers

$946

$79

State Farm

$955

$80

Pioneer State Mutual Ins Co

$959

$80

Progressive

$987

$82

Farmers

$1,011

$84

Chubb

$1,035

$86

Farm Bureau Ins of MI

$1,045

$87

State Farm

$1,080

$90

Farmers

$1,113

$93

Auto-Owners Insurance Co

$1,124

$94

Farm Bureau Ins of MI

$1,137

$95

Auto-Owners Insurance Co

$1,147

$96

Auto-Owners Insurance Co

$1,216

$101

Encompass

$1,220

$102

Farmers

$1,241

$103

State Farm

$1,374

$115

Grange Insurance

$1,394

$116

Farm Bureau Ins of MI

$1,401

$117

Encompass

$1,435

$120

Encompass

$1,435

$120

Grange Insurance

$1,484

$124

State Farm

$1,503

$125

Grange Insurance

$1,534

$128

Westfield

$1,596

$133

Westfield

$1,702

$142

State Farm

$1,732

$144

Westfield

$2,108

$176

Hanover

$2,331

$194

Hanover

$2,461

$205

Hanover

$2,635

$220

Hanover

$3,643

$304

Hanover

$4,011

$334

Hanover

$4,629

$386

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.

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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?

Chubb

pros

Excellent scores for customer service and affordability

Offers OEM coverage

cons

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

COMPANY HIGHLIGHTS

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?

Chubb

pros

Ranked first in customer satisfaction

Excellent claims process

cons

Only offers two out of the four essential coverages

COMPANY HIGHLIGHTS

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?

Chubb

pros

Offers a policy with minimum coverage for $349 per year

Provides excellent customer satisfaction

Has an efficient claims process

cons

Lacks some essential coverages

It doesn't offer more common discounts, such as for multiple cars or safe driving

COMPANY HIGHLIGHTS

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.