Ann Arbor, MI Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Ann Arbor.
How much does car insurance cost in Ann Arbor?
The average cost of car insurance in Ann Arbor, Michigan, is $1,317 every six months. That's less than the average in Michigan ($1,548) and more costly than the national average of $880. Read on to learn more about how much you can expect to pay based on age, credit score, and other factors in Ann Arbor. Read on to learn more!
If you're interested in how Michigan's unique car insurance laws affect your rates, review our full analysis of Michigan's 2020 insurance law changes.Â
| Car insurance in Ann Arbor vs. Michigan | Average 6 Mo. Premium |
|---|---|
| Ann Arbor average | $1,317 |
| Michigan average | $1,548 |
The Zebra's key takeaways about car insurance in Ann Arbor:
- The average cost of a car insurance policy in Ann Arbor is $1,317 per six-month policy — $219 per month.
- The cheapest company in Ann Arbor is Progressive ($971).
- 32% of Zebra customers in Ann Arbor stated they used our product because they were just looking for car insurance with their current provider.
Are you paying too much for auto insurance?
Ann Arbor car insurance rates by company
The difference in auto insurance rates from company to company can be substantial. In Ann Arbor, Progressive offers the cheapest premiums for the typical insurance buyer. Reference below the top options for affordable insurance in Ann Arbor. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| Progressive | $971 |
| AAA | $983 |
| State Farm | $1,060 |
| Hanover | $2,157 |
| Allstate | $2,431 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Ann Arbor.
Ann Arbor auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 56% of Ann Arbor drivers. The best age for car insurance rates as a driver in Ann Arbor is your 50s: drivers in this age group pay an average of $1,224 every six months. Ann Arbor drivers in their 60s don't pay significantly more ($1,246).
The Ann Arbor drivers who pay the highest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Ann Arbor is to celebrate your 20th birthday. In Ann Arbor, teenage drivers pay $7,752 — $5,260 more than the second-most expensive rate paid by an age group.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3482 |
| 20s | $1,178 |
| 30s | $845 |
| 40s | $807 |
| 50s | $745 |
| 60s | $771 |
| 70s | $970 |
Ann Arbor car insurance rates by credit score
Credit score is often closely correlated with car insurance costs. In Ann Arbor, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 77% drop in car insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Ann Arbor, moving into the "Fair" credit tier corresponds to an average of $2,269 in savings on insurance every six months. Our data tells us 44% of drivers in Ann Arbor have a credit score of excellent (720+).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $4,001 |
| Fair | $1,731 |
| Good | $1,317 |
| Very Good | $1,098 |
| Exceptional | $902 |
Ann Arbor car insurance rates by violation
If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Ann Arbor, a reckless driving citation results in an average insurance rate increase of $5,399 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $5,212 increase, while a speeding ticket triggers a $1,662 rate hike.
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| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $3,923 |
| Reckless Driving | $4,016 |
| At-fault Accident (damages less than $1,000) | $1,916 |
| At-fault Accident (damages > $2,000) | $2,088 |
| Speeding Ticket (16-20 mph over speed limit) | $2,148 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.