Ann Arbor, MI Car Insurance

The average cost of car insurance in Ann Arbor is $219 per month. If you're paying too much, compare rates and start saving.

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What's the average cost of car insurance in Ann Arbor?

 

The average cost of car insurance in Ann Arbor, Michigan, is $2,634 each year. That's less than the average in Michigan ($3,096) and more costly than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status and other factors in Ann Arbor.

If you're interested in how Michigan's unique car insurance laws affect your rates, review our full analysis of Michigan's 2020 insurance law changes

 
CAR INSURANCE: ANN ARBOR RATES VS. STATE + NATIONAL AVERAGES
Ann Arbor Average (annual) Michigan Average National Average
$2,634 $3,096 $1,548
 
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Ann Arbor auto insurance costs by company

 

The difference in auto insurance rates from company to company can be substantial. In Ann Arbor, Progressive offers the cheapest premiums for the typical insurance buyer. Reference below the top options for affordable insurance in Ann Arbor. Don't forget to get free car insurance quotes based on your unique driving profile.

 
ANN ARBOR AUTO INSURANCE RATES BY COMPANY
Insurance Company Average Annual Rate
Progressive $1,942
AAA $1,967
State Farm $2,120
Hanover $4,315
Allstate $4,862
 

Check out our guide to learn how to find the best cheap car insurance.

 

Ann Arbor car insurance premiums by age

The best age for car insurance rates as a driver in Ann Arbor is your 50s: drivers in this age group pay an average of $2,448 per year. Ann Arbor drivers in their 60s don't pay significantly more ($2,492).

The Ann Arbor drivers who pay the highest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Ann Arbor is to celebrate your 20th birthday. In Ann Arbor, teenage drivers pay $7,752 — $5,260 more than the second-most expensive rate paid by an age group.

 
ANN ARBOR AUTO INSURANCE COSTS BY AGE
Age bracket Average Annual Rate
Teenagers $7,752
20s $3,288
30s $2,627
40s $2,600
50s $2,448
60s $2,492
70s $2,911
 

Learn more about the impact of age on car insurance premiums.

 

Ann Arbor car insurance rates by marital status and gender

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Ann Arbor, married motorists pay $34 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Ann Arbor, insurance rates for those who are widowed are more expensive than rates for those who are single.

Gender is another factor that can affect car insurance rates. In Ann Arbor, female drivers pay $53 per year more than do male drivers for car insurance.

 
INSURANCE RATES IN ANN ARBOR BY MARITAL STATUS AND GENDER
Marital Status/Gender Average Yearly Rate
Female $2,687
Male $2,634
Single $2,600
Married $2,600
Divorced $2,634
Widowed $2,634

 

Ann Arbor auto insurance premiums by citation and accident history

 

If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Ann Arbor, a reckless driving citation results in an average insurance rate increase of $5,399 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $5,212 increase, while a speeding ticket triggers a $1,662 rate hike.

 
AVERAGE ANN ARBOR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Citation Average Yearly Rate
DUI/DWI $7,846
Reckless Driving $8,033
At-fault Accident (damages less than $1,000) $3,833
At-fault Accident (damages > $2,000) $4,176
Speeding Ticket (16-20 mph over speed limit) $4,296
 

Learn more about the impact of citations on auto insurance rates.

 

Ann Arbor car insurance rates by credit level

 

Credit score is often closely correlated with car insurance costs. In Ann Arbor, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 77% drop in car insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Ann Arbor, moving into the "Fair" credit tier corresponds to an average of $4,539 in savings on insurance each year.

 
ANN ARBOR CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit Level Average Rate (annual)
Very Poor $8,002
Fair $3,462
Good $2,634
Very Good $2,197
Exceptional $1,804
 

Learn more about the relationship between credit and car insurance.

Ava Lynch
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as U.S. News & World Report, GasBuddy, Car and Driver, and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.