Car Insurance in Ann Arbor, Michigan

Car Insurance in Ann Arbor, Michigan

Find Cheap Auto Insurance Quotes in Ann Arbor

Currently insured?

The average price of car insurance in Ann Arbor is $1,970 per year for minimum coverage, or $3,831 for full coverage, which includes comprehensive and collision coverages.

However, we found much more affordable rates from companies like Frankenmuth Insurance, which had the lowest prices for basic coverage, and Progressive, which had the best rates for full coverage. Read on for our full set of recommendations.

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We always recommend collecting several quotes from different insurers in order to find the best price for you.

Cheapest auto insurance in Ann Arbor: Frankenmuth Insurance

For drivers who want an affordable liability-only insurance policy in Ann Arbor, we recommend Frankenmuth Insurance. It offered our sample driver a quote of $761 per year. That's 61% less than the average rate we found across all insurers citywide.

For eligible drivers looking for the absolute lowest price, we recommend USAA — it offered us a sample quote of $501 per year. However, USAA is only available to people who have served in the military, or those whose parents or spouse have had USAA insurance. If you don't meet one of these criteria, you won't be eligible. As such, we've left it out of our rankings.

Compare Car Insurance Rates in Ann Arbor, Michigan

Currently insured?
Rank
Company
Annual rate
1Frankenmuth Insurance$761
2Auto-Owners$828
3Progressive$881
4State Farm$2,088
5Hanover$2,105
6AAA$2,815
7Allstate$5,782
N/A*USAA$501

*USAA is only available to current and former military members and their families.

Remember: in Michigan, minimum-coverage car insurance includes liability and PIP coverages, but not comprehensive or collision.

Cheapest full-coverage car insurance in Ann Arbor: Progressive

For drivers who want a full-coverage policy, which includes comprehensive and collision coverages, we recommend Progressive. It gave our sample Ann Arbor driver a year of protection for just $1,346. That's 65% less than the average overall, and $708 less expensive than the second-cheapest option, Auto-Owners.

Rank
Company
Annual rate
1Progressive$1,346
2Auto-Owners$2,054
3Frankenmuth$2,105
4State Farm$3,151
5AAA$4,835
6Hanover$5,666
7Allstate$10,156
N/A*USAA$1,335

*USAA is only available to current and former military members and their families.

In addition to all state-required coverages, full coverage includes the following:

  • Comprehensive coverage: Pays for damage to your car from everything except a collision while driving. Includes perils 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.

Cheapest car insurance for drivers with prior incidents

Car insurance companies set rates in part by looking at your driving history. If you have a less-than-perfect record, such as from a ticket or at-fault accident, you're likely to see higher rates because insurers have found that you're more likely to make a claim in the future.

Cheapest car insurance in Ann Arbor after an accident: Progressive

For drivers in Ann Arbor who have been involved in an at-fault accident, we recommend Progressive. It charged our sample driver $1,746 for a year of full coverage after a crash. While that's a $400 increase compared to a driver without an accident, it’s still 70% cheaper than the typical price from every insurer.

Rank
Company
Annual rate
1Progressive$1,746
2Auto-Owners$2,359
3Frankenmuth$2,748
4State Farm$3,787
5Hanover$9,113
6AAA$10,019
7Allstate$14,651
N/A*USAA$1,830

*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 have gotten a speeding ticket are more likely to get into a crash or make a claim, so you'll almost always see higher rates if you're caught going over the limit.

Progressive gave us the best rates after one speeding ticket, with a typical price of $1,693 per year. That makes it 67% more affordable than the average rate from all insurers.

Rank
Company
Annual rate
1Progressive$1,693
2Frankenmuth$2,351
3Auto-Owners$2,359
4State Farm$4,105
5Hanover$7,904
6AAA$10,019
7Allstate$11,084
N/A*USAA$1,666

*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, and the consequences are just as grave. In addition to the possibility of losing your license and having your insurer drop you from coverage, you're likely to see much higher car insurance rates. The typical price we found citywide was a staggering $12,672 per year for full coverage.

However, Progressive offered us a much more affordable rate, $1,585 per year. That's 88% cheaper than the typical insurer, and less than one-third the rate of the second-cheapest company, Auto-Owners. Keep in mind that Progressive may not offer insurance to drivers after a DUI, so you're far from guaranteed to get this rate.

Rank
Company
Annual rate
1Progressive$1,585
2Auto-Owners$4,735
3State Farm$8,238
4Frankenmuth$9,343
5Hanover$11,047
6AAA$16,277
7Allstate$47,849
N/A*USAA$2,300

*USAA is only available to current and former military members and their families.

Cheapest car insurance for young drivers: Auto-Owners

Younger drivers get into accidents more often than older drivers, so if you're a teen driver, you're likely to pay much more for coverage than an older person, even if you've never been in a crash or gotten a speeding ticket.

For a younger driver looking for great rates, we recommend Auto-Owners. It gave us a quote of $1,593 for a year of minimum coverage, making it the most affordable option we looked at. The next-cheapest option, Frankenmuth Insurance, also had a much lower than average price, $2,168 per year.

Rank
Company
Annual rate
1Auto-Owners$1,593
2Frankenmuth$2,168
3Progressive$3,050
4AAA$4,689
5Hanover$4,800
6State Farm$5,494
7Allstate$10,093
N/A*USAA$823

*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 insurers we surveyed in Michigan, Auto-Owners, USAA and State Farm have the best-rated customer service overall.

We particularly recommend Auto-Owners: 100% of respondents in our national survey said they were "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 based on where you live, even within a city. If your neighborhood has a lot of car theft, or narrow roads that cause a lot of accidents, you're more likely to pay higher rates than you would otherwise.

Here's a full breakdown by ZIP code of the cost of insurance in Ann Arbor.

ZIP code
Minimum coverage
Full coverage
48103$1,910$3,779
48104$1,924$3,789
48105$2,141$3,994
48108$1,946$3,794
48109$1,931$3,799

*USAA is only available to current and former military members and their families.

Auto theft statistics in Ann Arbor

Compared to other cities in Michigan, Ann Arbor has relatively few car thefts each year. The city as a whole experienced 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 theft
Motor vehicle theft per 1,000 people
1Detroit663,5026,88610.4
2Lansing118,9533673.1
3Dearborn93,9022662.8
4Warren134,6533562.6
5Grand Rapids201,7995012.5
6Flint95,2122072.2
7Clinton Township101,3081561.5
8Livonia93,6441121.2
9Ann Arbor122,8931381.1
10Sterling Heights133,377960.7

Motor vehicle theft data was pulled from the FBI 2019 Michigan Crime Report.

Methodology

We collected data from eight of the largest insurers in Michigan. Our sample driver was a 30-year-old man who drove a 2015 Honda Civic EX. Unless otherwise stated, the driver had average credit and received rates for a minimum-coverage policy.

In instances where our sample driver was comparing rates for a full-coverage policy, the following limitations were used:

State minimum
Full coverage
Property protectionup to $1,000,000up to $1,000,000
Residual bodily injury and property damage liability (BI/PD)$50,000 per injury, $100,000 per accident$50,000 per injury, $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/$500 deductible
Comprehensive coverage--Included/$500 deductible

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer 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.