Ann Arbor Car Insurance

The Zebra
May 30, 2018

Car Insurance in Ann Arbor

Michigan is known for its costly premiums, as its mean rate is nearly double the state average. Premiums also run high in the city, so it is imperative to save while insuring a vehicle in Ann Arbor. Keep some money in your pocket by following the tips below about how to save on car insurance in Ann Arbor.

  • City Average: $2,205
  • State Average: $2,610
  • National Average: $1,427

Ann Arbor Car Insurance by Gender and Marital Status

Both gender and marital status are among the various driver attributes that have an effect on car insurance premiums in Ann Arbor. Married individuals save around 2% per year compared to those who are single. On the other hand, widowed and divorced individuals pay the same as drivers who are single. Typically, males have premiums that are 2% cheaper than those for females.

  • Female: $2,252
  • Male: $2,205
  • Single: $2,205
  • Married: $2,169
  • Divorced: $2,205
  • Widowed: $2,205

Ann Arbor Car Insurance by Accident or Violation History

Do you know how much an accident or violation history can cost you in terms of car insurance rates? A DUI will increase your car insurance premiums more than other driving violations. In Ann Arbor, drivers with a DUI need to spend nearly triple the average for the city to insure their vehicle. Reckless driving will drive your premiums up as well, with typical rates of $6,063. That is 175% higher than the city average! You can expect your yearly car insurance premiums to increase by 49% if you are found at-fault in an accident in Ann Arbor.

  • DUI: $6,265
  • Reckless Driving: $6,063
  • At-fault Accident (damages less than $1000): $3,282
  • At-fault Accident (damages greater than $2000): $3,282
  • Speeding Ticket (16-20 mph over speed limit): $3,606

Ann Arbor Car Insurance by Age

The greatest fall in premiums for Ann Arbor drivers happens when they reach their 20s. Once out of the teenage age bracket, individuals pay $4,184 less in premiums. In Ann Arbor, turning 60 means an increase in insurance rates. Up until then, transitioning from one age group to the next means decreasing prices. At $2,025, drivers in their 50s have the smallest insurance payments among any age group. People in their 60s ($2,069) aren’t paying significantly more. With rates of $7,026 on average, teenage drivers are the ones who pay the most in car insurance premiums.

  • Teenagers: $7,026
  • 20s: $2,842
  • 30s: $2,206
  • 40s: $2,169
  • 50s: $2,025
  • 60s: $2,069
  • 70s: $2,423

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Ann Arbor Car Insurance by Credit Rating

For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Shifting from Very Poor (300-579) to Fair (580-669) has the greatest positive effect on premiums, as it saves drivers nearly $1,463 per year.

  • Very Poor: $5,437
  • Fair: $3,974
  • Good: $3,119
  • Very Good: $2,386
  • Exceptional: $1,857