Best Cheap Auto Insurance in Ypsilanti, MI (2021)

The average Ypsilanti, MI auto insurance rates are $909 per month. The minimum auto insurance in Ypsilanti is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Ypsilanti, 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 Ypsilanti, Michigan is 20/40/10
  • The average commute length in Ypsilanti is 22.0 minutes
  • The cheapest auto insurance company in Ypsilanti is USAA

Ypsilanti, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Ypsilanti 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 Ypsilanti, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Ypsilanti to other Michigan cities, including Detroit auto insurance rates, Grand Rapids auto insurance rates, and Troy auto insurance rates to see how Ypsilanti, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Ypsilanti, Michigan

Ypsilanti, 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 Ypsilanti, Michigan.

Minimum Required Auto Insurance Coverage in Ypsilanti, 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 Ypsilanti, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Ypsilanti, 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 Ypsilanti, 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 $14,847 $14,847 $13,640 $13,640 $39,445 $39,445 $15,691 $15,691
Farmers $8,905 $8,905 $8,237 $8,237 $19,730 $19,730 $10,070 $10,070
GEICO $4,201 $4,201 $4,314 $4,314 $12,110 $12,110 $4,019 $4,019
Liberty Mutual $16,417 $16,417 $16,256 $16,256 $38,378 $38,378 $16,417 $16,417
Nationwide $4,107 $4,107 $3,653 $3,653 $10,853 $10,853 $4,504 $4,504
Progressive $3,169 $2,928 $2,805 $3,142 $11,861 $12,629 $3,688 $3,384
State Farm $8,768 $8,768 $8,165 $8,165 $31,294 $31,294 $10,314 $10,314
Travelers $5,498 $5,498 $4,728 $4,728 $16,536 $16,536 $5,970 $5,970
USAA $2,566 $2,407 $2,420 $2,267 $6,280 $5,908 $3,104 $2,944

Cheap Ypsilanti, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ypsilanti, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $39,445 $39,445
Farmers $19,730 $19,730
GEICO $12,110 $12,110
Liberty Mutual $38,378 $38,378
Nationwide $10,853 $10,853
Progressive $11,861 $12,629
State Farm $31,294 $31,294
Travelers $16,536 $16,536
USAA $6,280 $5,908

Cheap Ypsilanti, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ypsilanti, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,640 $13,640
Farmers $8,237 $8,237
GEICO $4,314 $4,314
Liberty Mutual $16,256 $16,256
Nationwide $3,653 $3,653
Progressive $2,805 $3,142
State Farm $8,165 $8,165
Travelers $4,728 $4,728
USAA $2,420 $2,267

Cheap Ypsilanti, 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 Ypsilanti, Michigan compared to the annual auto insurance rates with a clean record in Ypsilanti, Michigan.

Annual Ypsilanti, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,183 $13,498 $45,656 $14,287
Farmers $9,785 $12,641 $12,424 $12,092
GEICO $2,119 $4,581 $13,964 $3,979
Liberty Mutual $15,052 $18,356 $34,628 $19,431
Nationwide $4,952 $6,592 $6,001 $5,572
Progressive $4,614 $6,084 $5,454 $5,651
State Farm $9,195 $11,087 $24,333 $13,926
Travelers $5,527 $7,904 $12,766 $6,536
USAA $2,805 $3,510 $4,578 $3,055

Cheap Ypsilanti, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ypsilanti, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $45,656
Farmers $12,424
GEICO $13,964
Liberty Mutual $34,628
Nationwide $6,001
Progressive $5,454
State Farm $24,333
Travelers $12,766
USAA $4,578

Cheap Ypsilanti, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ypsilanti, Michigan

Insurance Company Poor Fair Good
Allstate $31,393 $17,531 $13,794
Farmers $17,300 $9,293 $8,614
GEICO $7,925 $5,822 $4,735
Liberty Mutual $34,609 $19,975 $11,016
Nationwide $7,227 $5,460 $4,651
Progressive $6,283 $5,299 $4,770
State Farm $23,773 $12,001 $8,132
Travelers $8,386 $8,133 $8,031
USAA $5,206 $2,987 $2,268

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Cheap Ypsilanti, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ypsilanti, Michigan

ZIP Code Average Annual Rates
48197 $7,757
48198 $7,541

Cheap Ypsilanti, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ypsilanti, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,906 $20,906
Farmers $11,735 $11,735
GEICO $6,023 $6,299
Liberty Mutual $21,120 $22,613
Nationwide $5,779 $5,779
Progressive $5,451 $5,451
State Farm $14,236 $15,035
Travelers $8,137 $8,230
USAA $3,447 $3,527

Cheap Ypsilanti, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ypsilanti, Michigan

Insurance Company Low Medium High
Allstate $20,373 $20,953 $21,392
Farmers $11,350 $11,700 $12,156
GEICO $5,772 $6,109 $6,601
Liberty Mutual $21,376 $21,819 $22,406
Nationwide $6,018 $5,689 $5,630
Progressive $5,291 $5,457 $5,604
State Farm $13,871 $14,730 $15,305
Travelers $8,098 $8,192 $8,260
USAA $3,381 $3,496 $3,584

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Best By Category: Cheapest Auto Insurance in Ypsilanti, Michigan

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

Best Annual Auto Insurance Rates by Company in Ypsilanti, 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 Ypsilanti, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ypsilanti, Michigan

Insurance Company Average Annual Rates
Allstate $20,906
Farmers $11,735
GEICO $6,161
Liberty Mutual $21,867
Nationwide $5,779
Progressive $5,451
State Farm $14,635
Travelers $8,183
USAA $3,487

What affects auto insurance rates in Ypsilanti, Michigan?

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

Ypsilanti Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Ypsilanti, Michigan auto theft statistics, there have been 45 auto thefts in the city.

Ypsilanti Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ypsilanti, Michigan commute length is 22.0 minutes according to City-Data.

Free Auto Insurance Comparison

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Compare Ypsilanti, Michigan Auto Insurance Quotes

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