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Get Cheap Car Insurance in Ann Arbor, MI
We monitor insurance prices, helping the average driver in Ann Arbor save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Ann Arbor
The chart below shows the cheapest car insurance company in Ann Arbor for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| Ann Arbor Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $112 |
| Progressive | $128 |
| State Farm | $129 |
| Safeco Insurance | $137 |
Savings for Every Kind of Ann Arbor Driver
Based on our extensive insurance data, we know the average Ann Arbor driver will save about 40% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $1,217 per year by choosing the right vehicle insurance company. Some Ann Arbor residents are paying out over $3,029 extra every year for auto insurance in Ann Arbor. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ann Arbor, MI Savings / Yr. |
|---|---|
$1,217 |
|
$1,988 |
|
$1,759 |
|
$2,673 |
|
$3,154 |
|
$0 |
|
$0 |
Ann Arbor Car Insurance vs. Michigan
People living in Ann Arbor pay an average of 4.50% more than the typical driver in the state. The average driver in Ann Arbor can expect to pay about $2,301 per year, or $3,029 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Ann Arbor for most people.
Car Insurance Prices by Ann Arbor Neighborhood
Insurance Prices
Where is insurance cheapest within Ann Arbor?
The map shows insurance prices in and around Ann Arbor, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $917 per year within the city boundaries, with insurance premiums ranging from a high of $3,589 to a low of $2,672. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of Ann Arbor.Pick the Best Car Insurance Company for You in Ann Arbor
The best car insurance provider for most drivers in Ann Arbor
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,217 over the average Ann Arbor car insurance company.
The best car insurance provider for Ann Arbor drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $1,988 over the competition.
The best car insurance company for Ann Arbor drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,759 better than other car insurance companies.
The best auto insurance for Ann Arbor drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,673 less each year.
The least expensive car insurance company for new and young drivers in Ann Arbor
In Ann Arbor, Geico costs young drivers $3,154 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ann Arbor
The cheapest car insurance in Ann Arbor for drivers with bad credit
The best Ann Arbor car insurance company for customer service
Recent price drops
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The cheapest large national provider in Ann Arbor
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Ann Arbor driver can expect to pay about $163 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Ann Arbor, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around Ann Arbor
What Influences the Cost of Car Insurance in Ann Arbor?
On average, car insurance in Ann Arbor is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Michigan state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Ann Arbor has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Ann Arbor is $192 per month for minimum coverage and $252 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Barton Hills: Insurance costs 5.45% less
- Dixboro: Insurance costs 3.43% less
- Saline: Insurance costs 6.80% less
- Ypsilanti: Insurance costs 8.25% more
- Dexter: Insurance costs 9.64% less
- Whitmore Lake: Insurance costs 6.24% less
- Mooreville: Insurance costs 10.30% less
- Lima Center: Insurance costs 11.13% less
- Bridgewater: Insurance costs 7.30% less
- Salem: Insurance costs 2.74% less
Cities with Similar Populations
- Simi Valley: Insurance costs 26.11% less
- Snellville: Insurance costs 30.14% less
- San Pedro: Insurance costs 23.94% less
- San Diego: Insurance costs 34.00% less
- San Francisco: Insurance costs 29.15% less
- Pittsburgh: Insurance costs 53.38% less
- Plant City: Insurance costs 10.20% less
- Plainfield: Insurance costs 48.20% less
- Philadelphia: Insurance costs 49.75% less
- Pleasanton: Insurance costs 32.39% less