A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Ann Arbor, MI for senior drivers are $5,476/year
  • Average car insurance rates in Ann Arbor, MI are $700/month
  • The cheapest car insurance company in Ann Arbor after a DUI is USAA

Average car insurance rates in Ann Arbor, Michigan are $700 a month. But with a little research you can get a great deal from the top car insurance companies in Ann Arbor, MI. Before you buy Ann Arbor, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

It may even be helpful to compare Ann Arbor car insurance rates with Sterling Heights car insurance rates, Troy car insurance rates, or Grand Rapids car insurance rates to make sure you’re getting the best Ann Arbor, MI car insurance quotes available.

Need affordable Ann Arbor, MI car insurance? Enter your ZIP code to compare Ann Arbor car insurance quotes from multiple car insurance companies near you.

Ann Arbor, MI Minimum Car Insurance Coverage

Ann Arbor, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Ann Arbor, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Ann Arbor, MI Car Insurance Rates by Coverage Level

Some Ann Arbor drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Ann Arbor, Michigan car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Ann Arbor, Michigan

Insurance Company Low Medium High
Allstate $19,716 $20,286 $20,716
Farmers $4,638 $4,750 $4,893
GEICO $5,099 $5,419 $5,889
Liberty Mutual $14,872 $15,189 $15,611
Nationwide $4,422 $4,198 $4,162
Progressive $4,453 $4,613 $4,750
State Farm $9,334 $9,830 $10,164
Travelers $8,098 $8,192 $8,260
USAA $2,944 $3,046 $3,126

Ann Arbor, MI Car Insurance Rates by Age, Gender, and Marital Status

Ann Arbor, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Ann Arbor, MI car insurance, get quotes from multiple car insurance companies in the Ann Arbor area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ann Arbor, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $14,425 $14,425 $13,269 $13,269 $38,024 $38,024 $15,240 $15,240
Farmers $3,614 $3,614 $3,376 $3,376 $7,997 $7,997 $4,054 $4,054
GEICO $3,732 $3,732 $3,834 $3,834 $10,739 $10,739 $3,570 $3,570
Liberty Mutual $11,419 $11,419 $11,307 $11,307 $26,750 $26,750 $11,419 $11,419
Nationwide $3,089 $3,089 $2,769 $2,769 $7,816 $7,816 $3,368 $3,368
Progressive $2,661 $2,477 $2,368 $2,622 $10,011 $10,735 $3,093 $2,878
State Farm $5,899 $5,899 $5,471 $5,471 $20,796 $20,796 $6,937 $6,937
Travelers $5,498 $5,498 $4,728 $4,728 $16,536 $16,536 $5,970 $5,970
USAA $2,219 $2,104 $2,091 $1,974 $5,448 $5,188 $2,698 $2,589

Ann Arbor, MI Car Insurance Rates for Teens

How much is Ann Arbor, Michigan car insurance for teens? Compare rates from top Ann Arbor car insurance companies below to help find the cheapest teen car insurance in Ann Arbor, MI.

Annual Car Insurance Rates for Teen Drivers in Ann Arbor, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $38,024 $38,024
Farmers $7,997 $7,997
GEICO $10,739 $10,739
Liberty Mutual $26,750 $26,750
Nationwide $7,816 $7,816
Progressive $10,011 $10,735
State Farm $20,796 $20,796
Travelers $16,536 $16,536
USAA $5,448 $5,188

Ann Arbor, MI Car Insurance Rates for Seniors

Before seniors buy Ann Arbor, Michigan car insurance, they should make sure to shop around. Some Ann Arbor, MI car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Ann Arbor, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,269 $13,269
Farmers $3,376 $3,376
GEICO $3,834 $3,834
Liberty Mutual $11,307 $11,307
Nationwide $2,769 $2,769
Progressive $2,368 $2,622
State Farm $5,471 $5,471
Travelers $4,728 $4,728
USAA $2,091 $1,974

Ann Arbor, MI Car Insurance Rates by Credit History

How does your credit history affect Ann Arbor, MI car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Ann Arbor, Michigan

Insurance Company Poor Fair Good
Allstate $30,421 $16,976 $13,322
Farmers $6,274 $4,162 $3,845
GEICO $7,029 $5,170 $4,208
Liberty Mutual $24,049 $13,912 $7,711
Nationwide $5,297 $4,031 $3,454
Progressive $5,280 $4,480 $4,057
State Farm $15,831 $8,030 $5,466
Travelers $8,386 $8,133 $8,031
USAA $4,516 $2,602 $1,999

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Ann Arbor, MI Car Insurance Rates by Driver History

How does a single speeding ticket affect your Ann Arbor, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Ann Arbor.

Annual Ann Arbor, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,869 $13,091 $44,165 $13,833
Farmers $4,009 $5,094 $5,030 $4,908
GEICO $1,895 $4,074 $12,368 $3,539
Liberty Mutual $10,584 $12,835 $23,877 $13,600
Nationwide $3,670 $4,842 $4,418 $4,112
Progressive $3,922 $5,127 $4,606 $4,768
State Farm $6,171 $7,425 $16,202 $9,306
Travelers $5,527 $7,904 $12,766 $6,536
USAA $2,452 $3,052 $3,983 $2,669

Ann Arbor, MI Car Insurance Rates With a DUI

Even a single DUI can increase your Ann Arbor, MI car insurance rates. Compare rates below to see which Ann Arbor car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Ann Arbor, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $44,165
Farmers $5,030
GEICO $12,368
Liberty Mutual $23,877
Nationwide $4,418
Progressive $4,606
State Farm $16,202
Travelers $12,766
USAA $3,983

Ann Arbor, MI Car Insurance Rates by ZIP Code

Just like Ann Arbor car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Ann Arbor, MI car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Ann Arbor, Michigan

ZIP Code Average Annual Rates
48103 $6,002
48104 $5,889
48105 $6,211
48108 $6,102
48109 $5,941

Ann Arbor, MI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Ann Arbor, MI car insurance rates may be. Let’s take a look at average car insurance rates from top Ann Arbor companies based on commute time.

Annual Car Insurance Rates by Commute Length in Ann Arbor, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,240 $20,240
Farmers $4,760 $4,760
GEICO $5,347 $5,591
Liberty Mutual $14,703 $15,745
Nationwide $4,261 $4,261
Progressive $4,606 $4,606
State Farm $9,524 $10,028
Travelers $8,137 $8,230
USAA $3,005 $3,073

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Ann Arbor, MI Cheapest Car Insurance Rates

How do the top Ann Arbor, Michigan car insurance companies’ average rates stack up against the Ann Arbor average monthly car insurance rates of $700? Take a look and see.

Best Annual Car Insurance Rates by Company in Ann Arbor, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Ann Arbor, MI Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Ann Arbor, Michigan car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Ann Arbor, Michigan

Insurance Company Average Annual Rates
Allstate $20,240
Farmers $4,760
GEICO $5,469
Liberty Mutual $15,224
Nationwide $4,261
Progressive $4,606
State Farm $9,776
Travelers $8,183
USAA $3,039

Other Factors Affecting Ann Arbor, MI Car Insurance Rates

Before you buy Ann Arbor, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Ann Arbor, MI Car Theft Rates

The car theft rate in Ann Arbor, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Ann Arbor, Michigan is 67 stolen cars.

Ann Arbor, MI Commute Time

How does your Ann Arbor, MI commute time compare with the average driver? In Ann Arbor, the average commute is 20.0 minutes.

Ann Arbor, MI Traffic

Spending time in Ann Arbor traffic can lead to higher car insurance rates. According to INRIX data, Ann Arbor, MI ranks as the 170th-most congested with traffic in the world.

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Ann Arbor, MI Car Insurance Quotes

Compare Ann Arbor, MI car insurance quotes from multiple companies by entering your ZIP code now.