Best Cheap Auto Insurance in Ann Arbor, MI (2021)

The average Ann Arbor, MI auto insurance rates are $700 per month. The minimum auto insurance in Ann Arbor is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Ann Arbor, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Ann Arbor, Michigan is 20/40/10
  • Average auto insurance rates in Ann Arbor, MI for senior drivers are $5,476 per year
  • The average commute length in Ann Arbor is 20.0 minutes

Ann Arbor, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Ann Arbor can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Ann Arbor, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Ann Arbor to other Michigan cities, including Dearborn auto insurance rates, Detroit auto insurance rates, and Lansing auto insurance rates to see how Ann Arbor, Michigan auto insurance rates stack up.

Before you buy Ann Arbor, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Ann Arbor, Michigan auto insurance quotes.

Minimum Auto Insurance in Ann Arbor, Michigan

Ann Arbor, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Ann Arbor, Michigan.

Minimum Required Auto Insurance Coverage in Ann Arbor, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Ann Arbor, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Ann Arbor, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Ann Arbor, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $14,425 $14,425 $13,269 $13,269 $38,024 $38,024 $15,240 $15,240
Farmers $3,614 $3,614 $3,376 $3,376 $7,997 $7,997 $4,054 $4,054
GEICO $3,732 $3,732 $3,834 $3,834 $10,739 $10,739 $3,570 $3,570
Liberty Mutual $11,419 $11,419 $11,307 $11,307 $26,750 $26,750 $11,419 $11,419
Nationwide $3,089 $3,089 $2,769 $2,769 $7,816 $7,816 $3,368 $3,368
Progressive $2,661 $2,477 $2,368 $2,622 $10,011 $10,735 $3,093 $2,878
State Farm $5,899 $5,899 $5,471 $5,471 $20,796 $20,796 $6,937 $6,937
Travelers $5,498 $5,498 $4,728 $4,728 $16,536 $16,536 $5,970 $5,970
USAA $2,219 $2,104 $2,091 $1,974 $5,448 $5,188 $2,698 $2,589

Cheap Ann Arbor, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Ann Arbor, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Ann Arbor, Michigan.

Annual Auto Insurance Rates for Teen Drivers in Ann Arbor, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $38,024 $38,024
Farmers $7,997 $7,997
GEICO $10,739 $10,739
Liberty Mutual $26,750 $26,750
Nationwide $7,816 $7,816
Progressive $10,011 $10,735
State Farm $20,796 $20,796
Travelers $16,536 $16,536
USAA $5,448 $5,188

Cheap Ann Arbor, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Ann Arbor, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Ann Arbor, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,269 $13,269
Farmers $3,376 $3,376
GEICO $3,834 $3,834
Liberty Mutual $11,307 $11,307
Nationwide $2,769 $2,769
Progressive $2,368 $2,622
State Farm $5,471 $5,471
Travelers $4,728 $4,728
USAA $2,091 $1,974

Cheap Ann Arbor, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Ann Arbor, Michigan compared to the annual auto insurance rates with a clean record in Ann Arbor, Michigan.

Annual Ann Arbor, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,869 $13,091 $44,165 $13,833
Farmers $4,009 $5,094 $5,030 $4,908
GEICO $1,895 $4,074 $12,368 $3,539
Liberty Mutual $10,584 $12,835 $23,877 $13,600
Nationwide $3,670 $4,842 $4,418 $4,112
Progressive $3,922 $5,127 $4,606 $4,768
State Farm $6,171 $7,425 $16,202 $9,306
Travelers $5,527 $7,904 $12,766 $6,536
USAA $2,452 $3,052 $3,983 $2,669

Cheap Ann Arbor, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Ann Arbor, Michigan is not easy. Compare the annual rates for DUI auto insurance in Ann Arbor, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Ann Arbor, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,165
Farmers $5,030
GEICO $12,368
Liberty Mutual $23,877
Nationwide $4,418
Progressive $4,606
State Farm $16,202
Travelers $12,766
USAA $3,983

Cheap Ann Arbor, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Ann Arbor, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Ann Arbor, Michigan

Insurance Company Poor Fair Good
Allstate $30,421 $16,976 $13,322
Farmers $6,274 $4,162 $3,845
GEICO $7,029 $5,170 $4,208
Liberty Mutual $24,049 $13,912 $7,711
Nationwide $5,297 $4,031 $3,454
Progressive $5,280 $4,480 $4,057
State Farm $15,831 $8,030 $5,466
Travelers $8,386 $8,133 $8,031
USAA $4,516 $2,602 $1,999

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Cheap Ann Arbor, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Ann Arbor, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Ann Arbor, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Ann Arbor, Michigan

ZIP Code Average Annual Rates
48103 $6,002
48104 $5,889
48105 $6,211
48108 $6,102
48109 $5,941

Cheap Ann Arbor, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Ann Arbor, Michigan auto insurance. Find the cheapest annual Ann Arbor, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Ann Arbor, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,240 $20,240
Farmers $4,760 $4,760
GEICO $5,347 $5,591
Liberty Mutual $14,703 $15,745
Nationwide $4,261 $4,261
Progressive $4,606 $4,606
State Farm $9,524 $10,028
Travelers $8,137 $8,230
USAA $3,005 $3,073

Cheap Ann Arbor, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Ann Arbor, Michigan? Check out the comparison of annual Ann Arbor, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Ann Arbor, Michigan

Insurance Company Low Medium High
Allstate $19,716 $20,286 $20,716
Farmers $4,638 $4,750 $4,893
GEICO $5,099 $5,419 $5,889
Liberty Mutual $14,872 $15,189 $15,611
Nationwide $4,422 $4,198 $4,162
Progressive $4,453 $4,613 $4,750
State Farm $9,334 $9,830 $10,164
Travelers $8,098 $8,192 $8,260
USAA $2,944 $3,046 $3,126

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Best By Category: Cheapest Auto Insurance in Ann Arbor, Michigan

Compare the cheapest auto insurance companies in Ann Arbor, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Ann Arbor, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Ann Arbor, Michigan Auto Insurance Companies

What auto insurance companies in Ann Arbor, Michigan are the cheapest? Compare the top Ann Arbor, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Ann Arbor, Michigan

Insurance Company Average Annual Rates
Allstate $20,240
Farmers $4,760
GEICO $5,469
Liberty Mutual $15,224
Nationwide $4,261
Progressive $4,606
State Farm $9,776
Travelers $8,183
USAA $3,039

What affects auto insurance rates in Ann Arbor, Michigan?

There are a lot of reasons why auto insurance rates in Ann Arbor, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Ann Arbor, Michigan. Many local factors may affect your Ann Arbor auto insurance rates.

Ann Arbor Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Ann Arbor, Michigan auto theft statistics, there have been 67 auto thefts in the city.

Ann Arbor Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ann Arbor, Michigan commute length is 20.0 minutes according to City-Data.

Ann Arbor Traffic

How does Ann Arbor, Michigan rank for traffic? According to Inrix Ann Arbor, Michigan is the 170th most congested worldwide.

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Compare Ann Arbor, Michigan Auto Insurance Quotes

Before you buy Ann Arbor, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Ann Arbor, Michigan auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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