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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|
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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|
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|
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|
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|
|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|
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)|
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.