Auto Insurance Basics

Car Insurance in Ypsilanti, Michigan

Find the Cheapest Insurance Quotes in Your Area

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Ypsilanti, home to roughly 20,000 people, is a city located in southern Michigan. Every year many residents of "Ypsi" find themselves having to shop for car insurance. Although Ypsilanti is one of the less costly towns for car insurance in Michigan, it can still be quite expensive compared to other cities nationally. We analyzed insurance rates across different companies in the city to help Ypsi residents find competitive policies. We found several auto insurers who gave rates well below the $2,655 city average.

Cheapest Auto Insurance in Ypsilanti, MI

By using a 30 year old male with a clean driving record as sample driver, we were able to compare quotes from 22 companies in Ypsilanti to see which had the most affordable car insurance. The best overall was Hastings Mutual, followed by Metlife with both companies offering full coverage for a year at prices far below the city average. Below you can see the five cheapest auto insurers and how they relate to the city average price. 

Graph shows the five cheapest insurers in Ypsilanti, Michigan

The large, national car insurance companies actually were one of the most expensive insurers in Ypsilanti, not even making the top 10. When you need to buy auto insurance, it is imperative you compare quotes. Brand recognition does not automatically mean the best price. Below is a list of the top ten insurers for our sample 30 year old driver:

RankCompanyYearly Rate
1 Hastings Mutual $1,032
2 MetLife $1,104
3 Pioneer State Mutual $1,608
4 SECURA $1,668
5 Chubb $1,716
6 MEEMIC $1,992
7 Auto.Owners $2,040
8 Frankenmuth $2,136
9 Grange Insurance $2,232
10 Auto Club Group $2,388

Car Insurance Agents and Agencies in Ypsilanti

We also compiled a list of insurers and agencies within the Ypsilanti area. Most car insurance companies, like Allstate, only sell you insurance through an agent. Currently, only a handful of companies allow policies to be purchased exclusively online. 

Agent/AgencyAddress
Marcum Insurance Agency 2701 Washtenaw Ave, Ypsilanti, MI 48197, United States
Covington Insurance Agency 880 S Grove St, Ypsilanti, MI 48198, United States
Allstate Insurance: Daniel Amori 27 S Huron St, Ypsilanti, MI 48197, United States
Ypsi Insurance Center 2056 Washtenaw Ave, Ypsilanti, MI 48197, United States
L.A. Insurance Agency 117 420 E Michigan Ave, Ypsilanti, MI 48198, United States
Susan Rosales - State Farm Insurance Agent 2888 Washtenaw Ave, Ypsilanti, MI 48197, United States
Bill Giroux - State Farm Insurance Agent 5702 Whittaker Rd, Ypsilanti, MI 48197, United States
Farmers Insurance - Shafik Khalil 3150 Packard St, Ypsilanti, MI 48197, United States
Rex Plasters - State Farm Insurance Agent 4027 Carpenter Rd A, Ypsilanti, MI 48197, United States
Farmers Insurance - Derek Huffman 3249 Broad St, Dexter, MI 48130, United States

Car Insurance Requirements

Throughout Michigan drivers have to abide to the same auto insurance requirements. Michigan is one of the 12 no-fault states meaning personal injury protection (PIP) must be on every driver's policy. In Michigan, you are also required to hold personal property insurance (PPI). These extra coverages tend to make auto insurance in Michigan more expensive than most other states. We list all that you are required to have on your car insurance policy below:

Type of CoverageLimits
Bodily Injury Liability (BI) $20,000 per person/ $40,000 per accident
Property Damage Liability (PD) $10,000 per accident
Personal Injury Protection (PIP) Unlimited
Property Protection Insurance (PPI) Up to $1 million 

Personal Injury Protection 

Personal injury protection is mandated in Michigan. PIP will cover the medical expenses that stem from injuries in an accident. It does not matter if you or the other driver caused the accident. PIP is also unlimited in Michigan, so your medical bills can reach any cost and your insurer will cover you. If your injuries temporarily disable you as well, keeping you out of work, PIP will cover your lost wages up to a certain amount until you recover. To help with the high cost of PIP, Michigan allows you to coordinate your health insurance plan with your PIP. Your health plan will cover all of your injuries while PIP will cover lost wages. If you are on Medicaid or Medicare however, you won't be able to coordinate. 

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