Car Insurance in Ann Arbor, Michigan
Progressive has the cheapest full-coverage car insurance in Ann Arbor, at $112 per month. The cheapest minimum coverage is from Frankenmuth, at $63 per month.
Find Cheap Auto Insurance Quotes in Ann Arbor
Best cheap car insurance companies in Ann Arbor
Always collect several quotes from different companies to find the best price for yourself.
Cheapest car insurance in Ann Arbor: Progressive
Drivers who want a full-coverage policy, which includes comprehensive and collision coverages, should look at Progressive.
They quoted a year of protection for just $1,346, or $112 per month. That's 65% less than the average overall and $708 less expensive annually than the second-cheapest option, Auto-Owners Insurance.
Compare Car Insurance Rates in Ann Arbor, Michigan
Cheapest full-coverage car insurance in Ann Arbor
Company | Monthly rate | |
|---|---|---|
| Progressive | $112 |
| Auto-Owners Insurance | $171 |
| Frankenmuth Insurance | $175 |
| State Farm | $263 |
| AAA | $403 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Ann Arbor: Frankenmuth Insurance
Drivers who want an affordable liability-only insurance policy in Ann Arbor should look to Frankenmuth Insurance. Their quote was $63 per month. That's 61% less than the average rate across all insurance companies citywide.
For eligible drivers looking for the absolute lowest price, USAA is the company to check out. It offered a quote of $42 per month. However, USAA is only available to people who have served in the military or have parents or a spouse withUSAA insurance. If you don't meet one of these criteria, you won't be eligible.
Compare Car Insurance Rates in Ann Arbor, Michigan
Cheapest minimum-coverage car insurance in Ann Arbor, MI
Company | Monthly rate |
|---|---|
| Frankenmuth Insurance | $63 |
| Auto-Owners Insurance | $69 |
| Progressive | $73 |
| State Farm | $174 |
| The Hanover Insurance Group | $175 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers: Auto-Owners Insurance
Younger drivers get into accidents more often than older drivers. So, if you're a teen driver, you'll likely pay much more for coverage than an older person. Even if you have a spotless driving record.
For a younger driver looking for great rates, Auto-Owners Insurance came out on top. They quoted $133 for a month of minimum coverage, making it the most affordable option. The next cheapest, Frankenmuth Insurance, also had a below-average price of $181 per month.
Cheapest minimum-coverage car insurance for young drivers
Company | Monthly rate |
|---|---|
| Auto-Owners Insurance | $133 |
| Frankenmuth Insurance | $181 |
| Progressive | $254 |
| AAA | $391 |
| The Hanover Insurance Group | $400 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a speeding ticket: Progressive
Insurance companies have found that drivers who've gotten a speeding ticket are more likely to get into a crash or make a claim. So you'll usually see higher insurance rates if you're caught going over the limit.
Progressive had the best rates after one speeding ticket, with a typical price of $141 per month.
Cheapest car insurance for Ann Arbor drivers with a speeding ticket
Company | Monthly rate |
|---|---|
| Progressive | $141 |
| Frankenmuth Insurance | $196 |
| Auto-Owners Insurance | $197 |
| State Farm | $342 |
| The Hanover Insurance Group | $659 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in Ann Arbor after an at-fault accident: Progressive
Drivers in Ann Arbor who have been at fault for an accident should check Progressive's rates. They quoted $146 for a month of full coverage after a crash. While that's a $400 annual increase over a driver without an accident, it's still 70% cheaper than the average price from the other six ranked companies.
Cheapest car insurance after an at-fault accident
Company | Monthly rate |
|---|---|
| Progressive | $146 |
| Auto-Owners Insurance | $197 |
| Frankenmuth Insurance | $229 |
| State Farm | $316 |
| The Hanover Insurance Group | $760 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a DUI: Progressive
Driving under the influence of alcohol or drugs is one of the most serious offenses you can commit behind the wheel. The consequences are just as grave. In addition to possibly losing your license and having your insurance company drop you, you'll likely see much higher rates. The typical price we found citywide was a staggering $12,672 per year for full coverage.
However, Progressive offered a much more affordable rate of $1,585 per year, or $132 per month. That's 88% cheaper than the average for the ranked companies and nearly one-third the rate of the second-cheapest company, Auto-Owners Insurance. Keep in mind that Progressive may not offer insurance to drivers after a DUI, so you're far from guaranteed to get this rate.
Cheapest car insurance for Ann Arbor drivers with a DUI
Company | Monthly rate |
|---|---|
| Progressive | $132 |
| Auto-Owners Insurance | $395 |
| State Farm | $687 |
| Frankenmuth Insurance | $779 |
| The Hanover Insurance Group | $921 |
*USAA is only available to current and former military members and their families.
Best auto insurance companies in Ann Arbor, Michigan
Getting a great deal on car insurance in Ann Arbor is important, but great service matters, too. Among the top insurance companies in Michigan, Auto-Owners Insurance, USAA and State Farm have the best-rated customer service overall.
Auto-Owners Insurance is especially noteworthy, with 100% of respondents in a national survey "extremely satisfied" with their most recent claim.
For more on the best car insurance companies in Michigan, take a look at our full review of Michigan car insurance.
Average car insurance rates in Ann Arbor by neighborhood
The cost of car insurance varies by where you live, even within a city. If your neighborhood has a lot of car thefts or narrow roads that cause a lot of accidents, you'll likely pay more.
Here's a full breakdown by ZIP code of the cost of insurance in Ann Arbor.
ZIP code | Minimum coverage | Full coverage |
|---|---|---|
| 48103 | $159 | $315 |
| 48104 | $160 | $316 |
| 48105 | $178 | $333 |
| 48108 | $162 | $316 |
| 48109 | $161 | $317 |
*USAA is only available to current and former military members and their families.
Auto theft statistics in Ann Arbor
Compared with other cities in Michigan, Ann Arbor has relatively few car thefts each year. The city as a whole had about 1.1 car thefts per 1,000 people per year, placing it ninth among the 10 largest cities in the state. Only Sterling Heights, north of Detroit, has a lower per capita theft rate.
Theft rank | City | Population | Motor vehicle thefts | Motor vehicle thefts per 1,000 people |
|---|---|---|---|---|
| 1 | Detroit | 663,502 | 6,886 | 10.4 |
| 2 | Lansing | 118,953 | 367 | 3.1 |
| 3 | Dearborn | 93,902 | 266 | 2.8 |
| 4 | Warren | 134,653 | 356 | 2.6 |
| 5 | Grand Rapids | 201,799 | 501 | 2.5 |
| 6 | Flint | 95,212 | 207 | 2.2 |
| 7 | Clinton Township | 101,308 | 156 | 1.5 |
| 8 | Livonia | 93,644 | 112 | 1.2 |
| 9 | Ann Arbor | 122,893 | 138 | 1.1 |
| 10 | Sterling Heights | 133,377 | 96 | 0.7 |
Motor vehicle theft data was pulled from the FBI 2019 Michigan Crime Report.
What's the best car insurance coverage in Ann Arbor, MI?
Minimum-coverage car insurance in Michigan includes liability and PIP, but not comprehensive or collision.
In addition to all state-required coverages, full coverage includes:
- Comprehensive coverage: Pays for damage to your car from everything but a collision while driving. Includes perils (hazards) like theft, vandalism, animal damage and hail. Does not include normal wear and tear or breakdowns
- Collision coverage: Pays for damage to your car caused by a crash, regardless of who was at fault
Methodology
Quotes were collected from eight of the largest insurance companies in Michigan for a 30-year-old man who drives a 2015 Honda Civic EX. Unless otherwise stated, the driver had average credit and received rates for a minimum-coverage policy.
In instances where rates were compared for a full-coverage policy, the following limitations were used:
State minimum | Full coverage | |
|---|---|---|
| Property protection | Up to $1,000,000 | Up to $1,000,000 |
| Residual bodily injury and property damage liability (BI and PD) | $50,000 per injury and $100,000 per accident | $50,000 per injury and $100,000 per accident |
| Personal injury protection (PIP) | $250,000 for people with qualified health coverage | $250,000 for people with qualified health coverage |
| Collision coverage | -- | Included, with a $500 deductible |
| Comprehensive coverage | -- | Included, with a $500 deductible |
This analysis used insurance rate data from Quadrant Information Services. The rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.