Car Insurance in Ypsilanti, Michigan

Car Insurance in Ypsilanti, Michigan

Find Cheap Auto Insurance Quotes in Ypsilanti

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Frankenmuth offers the cheapest car insurance rates in Ypsilanti, Michigan, at $935 per year, on average, according to a ValuePenguin analysis.

That is 60% less than the city average of $2,325 per year.

If you're looking for full coverage insurance, Frankenmuth is your second-best option behind Progressive. Progressive's average rate in the city is $1,486, compared to $2,369 from Frankenmuth. The city average is $4,368, overall, for full coverage.

Ypsilanti has considerably cheaper car insurance than the average for Michigan, which is the most expensive state for auto insurance in the country. With a population of around 20,000, the city borders the large college town of Ann Arbor and sits about 35 miles west of Detroit.

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Each company has its own standards for setting rates, so we always recommend you shop around and collect multiple quotes. That's the best way to ensure you're getting the best price for what you want.

Cheapest auto insurance in Ypsilanti: Frankenmuth

Frankenmuth offers the cheapest insurance in Ypsilanti with an average quote of $935 per year. That's 60% cheaper than the average price of $2,325.

Progressive and Auto-Owners also offer highly competitive rates, each coming in at less than $985 per year. USAA offers the best rate overall, at $566. However, you can only get that coverage if you've been a member of the military or if your spouse or parent has had a policy.

Cheapest car insurance companies in Ypsilanti, Michigan.

Compare Car Insurance Rates in Ypsilanti, Michigan

Currently insured?
Annual rate
1Frankenmuth Insurance$935
4State Farm$2,543

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

Cheapest full coverage car insurance in Ypsilanti: Progressive

Ypsilanti drivers looking for full coverage auto insurance can go to Progressive for the lowest rates in town. Its annual rate of $1,486 is $883 cheaper than the next-cheapest option and 66% cheaper than the city average.

Only Progressive, Frankenmuth and Auto-Owners offer rates of less than $3,800 per year. This demonstrates the value of shopping around to secure the lowest price.

Annual rate
4State Farm$3,879

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

In addition to standard coverages required by Michigan law, full coverage also includes comprehensive and collision coverage:
  • Comprehensive coverage: Pays for damage to your car from noncrash events, such as theft, vandalism, hail or some "acts of God."
  • Collision coverage: Covers damage to your car because of a collision, regardless of who was at fault.
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Cheap car insurance for drivers with prior incidents

Your driving history will be used by car insurance companies to project the chances that you'll make a claim in the future. An incident such as a DUI or accident will raise your rates in almost every situation. Here are our recommendations for drivers who have:

Cheapest car insurance in Ypsilanti after an accident: Progressive

Drivers in Ypsilanti can reduce their rates significantly by going with Progressive, which has an average rate that is 71% lower than the city average, at just $1,928.

An at-fault accident will raise your rates considerably when you renew your policy. In Ypsilanti, the average price for full coverage is $6,629 per year after an accident, a jump of 52% from the price with a clean record.
Annual rate
4State Farm$4,661

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

Cheapest car insurance for people with a speeding ticket: Progressive

If you've received a speeding ticket, Progressive offers the best price for full coverage in the city. Drivers with that infraction pay $1,873 a year, just 32% of the city average.

Progressive costs $770 less than the second-cheapest option, Frankenmuth. Auto-Owners is the next-best option and is still 54% cheaper than the city average of $5,940.

The difference between the cheapest widely available rates and the most expensive in Ypsilanti is more than $10,400.

Annual rate
4State Farm$5,052

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

Cheapest car insurance for drivers with a DUI: Progressive

A DUI will cause a considerable increase in your insurance price, as it is among the most serious driving infractions you can commit. A DUI in Ypsilanti raises rates an average of $10,000 per year, with Allstate charging $51,232 for a 12-month policy.

Progressive offers far and away the best rates in the city following a DUI, at only $1,753 per year for full coverage. That's $3,757 less than the next-cheapest company and 82% less than the city average.

Annual rate
3State Farm$10,133

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

Cheapest car insurance for young drivers: Auto-Owners

Younger drivers will pay more for auto insurance in almost every situation. In Ypsilanti, they can save the most with Auto-Owners, which has an average annual rate of $4,999, which is $1,797 less than the next-best option.

Young drivers pay more because they are less experienced on the road and often less risk-averse than their older counterparts. In Ypsilanti, an 18-year-old driver will pay an average of $10,489 per year for full coverage.

The best way for a younger driver to save on car insurance is to be part of a parent or older relative's policy. It will raise the price of the combined policy, but the combined cost will be considerably lower.

Annual rate
5State Farm$10,422

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

Car insurance companies with the best customer service in Michigan

Finding good rates for car insurance is very important, but it's just as important to have dependable coverage. We recommend Auto-Owners, USAA and State Farm as the best-rated car insurance companies in Ypsilanti when it comes to satisfying customers.

These insurers were rated the best among companies available in Michigan in our national survey. Auto-Owners performed especially well, as 100% of respondents were "extremely satisfied" with its claims service.

Claim satisfaction rating
Customer service rating
3State Farm73%46%
Show All Rows

The overall rank takes both claim satisfaction and customer service ratings into account. We explain these ratings in the Methodology section.

For more on the best car insurance companies in Michigan, take a look at our full review of Michigan car insurance.

Average car insurance cost in Ypsilanti, by neighborhood

Ypsilanti sits across two ZIP codes, and depending on which one you live in, you could pay considerably more for car insurance. The difference between the two is an average of $234 per year for full coverage and $170 for minimum coverage.

The 48198 ZIP code is more expensive on both fronts and includes the east side of town along with Superior Charter Township and the Willow Run area. The cheaper ZIP code, 48197, includes the western half of downtown, plus much of Ypsilanti Charter Township. The two are split by the Huron River, which runs through downtown.

ZIP code
Full coverage
Minimum coverage

Auto theft statistics in Ypsilanti

Ypsilanti has a somewhat high rate of auto thefts, especially compared to the larger cities in the state. The city had a per capita rate of 3.0 auto thefts per 1,000 residents in 2019. Only two of Michigan's 10 largest cities, Detroit and Lansing, had a higher rate.

Ypsilanti had 64 auto thefts total in 2019.

How auto theft in Ypsilanti compares to major Michigan cities

Car thefts
Thefts per 1,000
6Grand Rapids201,7995012.5
8Clinton Township101,3081561.5
10Ann Arbor122,8931381.1
11Sterling Heights133,377960.7

Motor vehicle theft data was pulled from the FBI 2019 Michigan crime report.


ValuePenguin collected rate data from eight of the largest insurers in Michigan. The sample driver was a 30-year-old man with a 2015 Honda Civic EX.

We used the following limits for minimum and full coverage policies:

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 coverageIncluded/$500 deductible
Comprehensive coverageIncluded/$500 deductible

We used insurance rate data from Quadrant Information Services for this analysis. Rates were publicly sourced from insurer filings. They should be used for comparative purposes only, as your own quotes will likely be different.

ValuePenguin commissioned a survey and asked current policyholders of major car insurers about their satisfaction with the claims and customer service of their insurer. The Claim Satisfaction Rating represents the percentage of respondents who were extremely satisfied with the most recent claim experience. The Customer Service Rating represents the percentage of respondents who rated the customer service of their insurance company "excellent."


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.