bestauto insuranceAnn ArborCompare the Cheapest Car Insurance Quotes in Ann Arbor, MI
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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, GEICO balances cost and customer service, making it the best overall insurer in Ann Arbor.
bestauto insuranceAnn ArborThe 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. Although it’s the cheapest provider, USAA is 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
- Company100/300/100per year
- 1.$862
- 2.$896
- 3.$1,272
- 4.$1,319
- 5.$1,402
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.
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 Ann Arbor 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.
Although 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 table below.
Cheapest Minimum Liability Car Insurance in Ann Arbor
State Minimum
- CompanyState Minimumper year
- 1.$549
- 2.$575
- 3.$596
- 4.$798
- 5.$986
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
- ItemDescription
- Bodily Injury$20,000 per person and $40,000 per accident. A more protective level is 100/300/100.
- Personal Injury ProtectionUnlimited 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
- CompanySpeeding Ticketper year
- 1.$1,043
- 2.$1,499
- 3.$1,506
- 4.$1,645
- 5.$1,720
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.
The Best Car Insurance Companies in Ann Arbor
Customer satisfaction, claims ratings and affordability were reviewed by MoneyGeek to determine the best car insurance providers in Ann Arbor. Based on our findings, the best auto insurance companies in Ann Arbor are:
- GEICO: MoneyGeek score of 87 out of 100
- Auto-Owners Insurance: MoneyGeek score of 81 out of 100
USAA got a MoneyGeek rating of 100 out of 100, making it the best company for drivers with an eligible military background. MoneyGeek did not feature USAA among the best overall insurance companies in Ann Arbor because its policies are only available to current and former military members and their families.
1
GEICO
Score:87
In Ann Arbor, a GEICO full coverage policy for a 40-year-old costs around $896 annually. GEICO is the most affordable in the city and received a perfect stability score and high customer satisfaction score. Policyholders may add mechanical breakdown insurance (MBI) to an auto policy.
More About GEICO
Ann Arbor drivers who have a GEICO policy can add MBI if their vehicle is less than 15 months old with less than 15,000 miles. This coverage costs less than extended warranties from dealers but covers vehicle parts and systems their warranties do not include.
GEICO also offers accident forgiveness coverage that prevents your car insurance premium from increasing after your first at-fault accident. You can earn accident forgiveness or purchase it as an add-on. GEICO has roadside assistance coverage, too, that pays for the cost of changing a flat tire, towing, jumpstarts and lockout services.
Read MoneyGeek's GEICO auto Insurance Review2
Auto-Owners Insurance Co
Score:81
3
Nationwide
Score:81
4
State Farm
Score:73
5
MetLife
Score:69
6
Progressive
Score:69
7
Esurance
Score:60
8
Farmers
Score:55
9
Mercury
Score:54
10
Allstate
Score:50
11
Travelers
Score:40
12
AAA
Score:39
13
Hanover
Score:0.8
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 CodeState 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.
About Mark Fitzpatrick
