Cheap Car Insurance in Ann Arbor, MI

Ann Arbor is one of the most dynamic cities in Michigan. Located west of Detroit, Ann Arbor has a storied football tradition. It is home to the University of Michigan and the largest football stadium in the country. Ann Arbor is also rich in outdoor opportunities. Kayakers and canoers can enjoy the Huron River, and hikers can enjoy Ford Lake and its 98-acre public park with an amazing array of fields and courts.

Driving in Ann Arbor requires an active car insurance policy. Getting caught driving without insurance will result in a license/registration suspension, fines, and administrative fees. Keep reading to learn more about car insurance in Michigan, including average rates paid by zip code, age, and nearby cities in the region.

Quick Facts

Ann Arbor drivers pay an average monthly premium of $120 for the state-required minimum car insurance, which is well above the national average of $47 and the state average of $79.

For full coverage, the average in Ann Arbor is $215 per month, which is much higher than the national average of $148 and the state average of $195 monthly.

How Many Fatal Accidents Happen in Ann Arbor?

In 2019, there were five fatal accidents in Ann Arbor involving 15 vehicles. These accidents resulted in five fatalities and included seven people.

How Many Uninsured Drivers are in Ann Arbor?

Roughly 20% of drivers in Michigan are driving without insurance, a number higher than the national average.

How Are the Road Infrastructure and Bridges in Ann Arbor, MI?

Ann Arbor’s Public Works department works on all aspects of street maintenance, which entails more than 200 miles of residential streets, 100 miles of roads, and more than 10 bridges. Example types of repairs performed include minor surface, shoulder, and gravel correction.

Given Ann Arbors’s cold climate, Public Works also emphasizes pothole repair (fixing surface cracks), street snow removal, and snow plow tracking, which allows residents to track snow plow routes throughout the city for better transportation planning.

For more information on Ann Arbor’s Public Works programs, click here.

All Michigan drivers are required to carry the following minimum liability limits:

A first-time driving without insurance conviction is considered a misdemeanor, punishable with fines up to $500 and a 30-day registration and driver’s license suspension until proof of insurance is provided. You will also have to pay a $125 reinstatement fee.

On top of suspensions and administrative fees, expect your premiums to double or triple, since this type of citation leads insurers to view you as a high-risk driver. You may be required to file an SR-22 certificate.

Your rates will remain elevated for a minimum of three years. After that, with a clean driving record free of moving violations, claims, and other infractions, expect to see your rates drop over time.

There are many factors auto insurance underwriters use to determine the rates you pay, including but not limited to the following:

Michigan drivers may be eligible for all kinds of car insurance discounts.

Some of these include:

We highly recommend staying on top of the latest discounts by calling your auto insurance provider every six months or as your life circumstances change. Even joining the military or driving an older make and model vehicle should cut your monthly rates by a few dollars.

You can also discuss the amount of your deductible and the amount of coverage purchased. The lower your liability limits and the higher your deductible, the lower your premiums.