Car Insurance in Ann Arbor
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Car Insurance in Ann Arbor, MI
Looking to compare car insurance quotes in Ann Arbor, Michigan? Michigan's sixth-most populous city is home to around 118,000 inhabitants, many of them students and faculty at the University of Michigan (go Wolverines!) or doctors, nurses, and staff at the nationally ranked University of Michigan Medical Center. The bustling student atmosphere could influence driving in Ann Arbor, so it's something to keep in mind.
Known as the "Treetop City" for its urban forest and commitment to green spaces, Ann Arbor is a beautiful place to live. With a diverse culinary scene, rich musical culture, entrepreneurial spirit, and a focus on sustainability, life here offers a great mix of modern city life and historic charm. Driving is still the best way to get around, so keep reading for more information on car insurance costs in Ann Arbor.
How much is car insurance in Ann Arbor, MI?
Auto insurance costs in Ann Arbor can vary depending on the type of insurance coverage options you secure. Below are the average costs for the three most frequently chosen types of coverage in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Ann Arbor?
If your looking for newer vehicles that typically feature lower insurance costs, here are the top 10 most cost-effective car makes and models to consider in Ann Arbor:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $177 |
| 2 | Dodge Grand Caravan | $179 |
| 3 | Honda Cr-V | $191 |
| 4 | Ford Fusion | $194 |
| 5 | Kia Sedona | $195 |
| 6 | Ford F-150 | $195 |
| 7 | Chevrolet Silverado | $199 |
| 8 | Ford Escape | $203 |
| 9 | Jeep Cherokee | $203 |
| 10 | Toyota Rav4 | $205 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of August 1, 2024 | ||
How do claims and violations impact my total cost?
There are a number of incidence that can influence your insurance premiums. Consider the breakdown below of insurance rates in Ann Arbor. As shown, they can fluctuate based on common claims and violations:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $205 | +0% |
| Not at-fault Accident | $213 | +4% |
| Driving with expired registration | $308 | +50% |
| Speeding Ticket | $315 | +54% |
| At-fault Accident | $319 | +56% |
| Driving with a suspended license | $361 | +76% |
| Hit and Run | $442 | +116% |
| DUI | $512 | +150% |
What car insurance discounts can I get in Ann Arbor?
A variety of discounts are available to help lower your insurance costs in Ann Arbor. You can take advantage of these savings by bundling policies, paying your full premium upfront, opting for paperless billing, and securing loyalty renewal discounts. Below is a list of these discount options, ranked from most to least impactful in reducing your premiums:| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $179 | +$26 |
| Multi-Policy Renters | $184 | +$21 |
| Paid in Full | $191 | +$14 |
| Low Mileage | $200 | +$5 |
| Electronic Funds Transfer | $204 | +$1 |
| Paperless | $204 | +$1 |
| None | $205 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.