Ann Arbor car insurance costs an average of $830 for minimum coverage and $2,003 to cover full coverage. Although it is not cheap, this insurance is still cheaper than the average of $948 minimum coverage and $2,309 full coverage.
Ann Arbor residents pay less because it is a safe place to drive. For example, in 2018, Washtenaw County had 11006 accidents which only 3.5% of all Michigan accident cases. Surprisingly, Washtenaw County’s population density is 3.5%. Ann Arbor in Washtenaw County has a relatively low population density compared to the rest.
Ann Arbor residents can make even greater savings on their car insurance premiums. We looked at many factors to determine the most affordable car insurance in Ann Arbor. These included customer service, financial strength and the amount of coverage and discounts. As well as the average premium.
Ann Arbor’s best car insurance companies
We compared J.D. customer service ratings to determine which Ann Arbor car insurance is the best. We analyzed the coverage options, discounts available and premiums.
Below is a table listing our top five choices for Ann Arbor.
|Insurance Company||J.D. J.D.||Minimum Coverage: Average Annual Premium||Average annual premium for full coverage|
|Travelers||828 / 1,000||$91||$1,343|
|Geico||851 / 1,000||$612||$1,224|
|USAA||897 / 1,000||$448||$1,138|
|Progressive||824 / 1,000||$611||$1,172|
|Auto-Owners||845 / 1,000||$698||$1,725|
Travelers gives drivers 14 discounts, which can reduce their premiums by a significant amount. For example, policyholders who have multiple policies with Travelers can save up to 13% on their car insurance. You could save as much as 15% by maintaining continuous insurance between companies and policies. Everyone can save with Travelers.
Geico offers significant savings, just like Travelers. Geico offers discounts up to 25% on multiple vehicles. Geico’s customer service is the best thing about it. J.D. It was named by Power the best of its kind in Michigan for 2020.
You should seriously consider getting insurance through USAA if you are eligible. It currently accepts only current and retired military personnel, as well as immediate family members.
Every year, USAA is named the technical winner at J.D. Power’s customer service research is disqualified due to its eligibility requirements. It is often the cheapest provider in many areas of the U.S., and can offer this without any discounts. The discounts it offers can be used frequently by drivers, or are tailored-made for active military. Drivers can get up to 60% off their vehicle garaging costs while they are deployed.
Progressive’s Snapshot(r), which analyzes your driving habits, is another thing we love about it. You could save as much as 10% if you are a safe driver. The average savings that drivers see every year is $145
Auto-Owners offers some savings that will help you save. First, if your bill is paid on time for three consecutive years, you will receive a lower premium. A life insurance policy with Auto Owners can save you even more.
The best thing about Auto-Owners is the wide range of coverage options it offers drivers in Michigan. It offers ten options to drivers, according to the latest count.
Ann Arbor has the lowest car insurance
Ann Arbor’s car insurance is still more expensive than the average state. Ann Arbor is $299 higher for minimum coverage, and $379 higher for full coverage than the rest of the nation. It is worth your time to find a lower-priced provider.
Our research has revealed that these are the most affordable providers in Ann Arbor.
|Insurance Company||Average Annual Premium for Minimum Insurance||Average annual premium for full coverage|
Although Travelers has the lowest minimum coverage, it is worth noting that Geico offers a very affordable full coverage. All providers offer exceptional customer service. Geico, Progressive, and Travelers are currently more tech-savvy that USAA and MetLife (and offer greater discounts). MetLife is an excellent company to deal with if you are interested in bundling your policies. They can be used for both home and car insurance, saving drivers an average $562 per year.
Ann Arbor insurance requirements
Michigan requires Ann Arbor drivers to have an 50/100/10 insurance policy. This means that your insurer must provide coverage up to:
- $50,000 per person to cover bodily injury/death
- $100,000 per accident for bodily Injury/ Death
- Property damage: $10,000 per accident
PIP coverage is also required in Michigan, however it has recently amended its laws. There are six options for drivers to choose from. One is to opt out completely if your insurance covers car-related injuries up to a certain amount.
It is important to ask whether minimal coverage is sufficient. Unfortunately, the answer is often no. It’s obvious that $10,000 doesn’t provide enough coverage for most people if we ignore medical injuries and only focus on property damage. Many Michigan dealerships and lenders require full coverage for financing or leasing a car. It is a smart idea to shop around to compare different coverage options and customize packages to suit your needs. For assistance, consult a licensed agent.
Ann Arbor: Car insurance discounts
These discounts are common for car insurance providers:
- Good student
- Protective Driving
You can get a permanent discount on car insurance by taking a defensive driving class. It is quick and easy. Although it costs money, the savings you will receive will usually pay for it in a matter of months.
Discounts for customers who are loyal often get the best deals. You’ll be rewarded often with generous savings if you insure more than one vehicle with the same provider or open another policy.
Questions frequently asked
Which is the best auto insurance company?
Because drivers have different needs, there is no single answer to this question. To compare rates and get discounts, it’s a good idea research all car insurers in your area. You can also get more information from a licensed agent about what’s available.
Is Michigan still considered a state of no-fault?
Yes, Michigan remains a state of no-fault. However, the state has recently increased the minimum insurance requirements and changed the laws regarding personal injury protection (PIP). Drivers have the right to opt out if they wish. However, to do so, the driver’s health insurance provider must provide coverage for injuries sustained in an accident. The deductible must not exceed $6,000.