Ypsilanti is a city with just over 20,000 inhabitants. Ypsilanti residents with vehicles must have car insurance. For minimum coverage, the average car insurance premium in Ypsilanti costs $995 and for full coverage it costs $2,358.
Ypsilanti’s premiums are more expensive than national, but there are many insurance options that may be available for Ypsilanti drivers. These insurance options can help them find the right coverage for their budget. Bankrate evaluated coverage options, available discounts and market share to determine the best and cheapest auto insurers in Ypsilanti.
The best car insurance companies in Ypsilanti
Quadrant Information Services was used by Bankrate to get current premium information from insurance companies in the Ypsilanti region. We reviewed the coverages, discounts and third-party rankings of each company, as well as customer satisfaction and average premiums.
These providers are the best car insurance companies in Ypsilanti, according to our research
| Insurance company | J.D. J.D. (North Central region). | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| USAA | 897 / 1,000 | $497 | $1,243 |
| Geico | 851 / 1,000 | $655 | $1,359 |
| Progressive | 824 / 1,000 | $675 | $1,312 |
| Auto-Owners | 845 / 1,000 | $820 | $1,990 |
USAA
USAA has the lowest premium for full coverage car insurance on our list. This makes it a great choice to current and former military personnel and their families. USAA claims that switching to USAA coverage can save drivers an average of $700. Members can take advantage of discounts such as accident forgiveness, safe driving, bundling multiple policies, and the length of their military membership.
USAA was the North Central region’s highest scoring company in 2020 J.D. With a score 897 out 1000, Power U.S. Auto Insurance Study was ranked 897.
Geico
Geico could be a good choice for Ypsilanti residents. It offers minimum coverage and full coverage premiums that are significantly lower than the average for the city. Policyholders may also be eligible to receive discounts. Geico offers discounts for good students, policyholders who are federal workers or military personnel, and defensive drivers.
Geico is a good choice if you’re looking for mobile tools. Geico’s website allows policyholders online management. The highly-rated mobile application has many features, including virtual ID cards, roadside assistance, and the ability to pay your bills.
Progressive
Progressive’s annual average premiums are significantly lower than the Ypsilanti city average. Progressive’s Name your Price tool is perhaps its most distinctive feature. This allows you to enter your preferred price, and then show you a range coverage options for car insurance. Progressive offers customers the opportunity to compare their premiums with other insurance companies right from their website.
Progressive scored below the industry average in both 2020 J.D. The 2020 J.D. Power U.S. Auto Insurance Study was conducted by Progressive. Power U.S. Auto Claims satisfaction Study. According to the National Association of Insurance Commissioners (NAIC), there was a slightly lower than average number of complaints. The company received a score of 0.88 on their complain index (1.00 is a baseline) for personal auto products.
Quadrant Information Services, 2020
Auto-Owners
Auto-Owners provides Michigan car, home and life insurance through independent agents. Car insurance covers standard coverages like collision coverage, liability coverage and comprehensive coverage. However, you can also customize your policy with options such as road trouble service or new car replacement coverage. Auto-Owners offers a range of discounts including a payment history discount as well as a green discount and safety features discount.
The 2020 J.D. ranked Auto-Owners third. The 2020 J.D. Power U.S. Auto Claims Satisfaction Study ranked Auto-Owners third overall. This indicates that policyholders are satisfied with the claims service. The A++ rating Auto-Owners received from AM Best shows that the company has strong financial standing.
Ypsilanti has the lowest car insurance
The average cost for car insurance in Ypsilanti comes close to Michigan’s average. Drivers in Ypsilanti pay an average of $995 per year to get minimum coverage, and $2,358 per for full coverage. Michigan’s average annual premiums for minimum coverage is $948 and full coverage is $2,309 respectively. The national average cost for car insurance is $565 per annum for minimum coverage, and $1,674 for full coverage.
Some consumers may consider price when shopping for car insurance. We compared the average premiums of the 25 largest companies in the region to find the cheapest car insurer in Ypsilanti.
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| USAA | $497 | $1,243 |
| MetLife | $526 | $1,636 |
| Geico | $655 | $1,359 |
| Progressive | $675 | $1,312 |
| Auto-Owners | $820 | $1,990 |
While price is an important consideration, it’s worth considering more than just the premium when looking for car insurance. You should consider the following: Apart from looking for a affordable company you may also want to look at a company’s customer service ratings and financial strength, as well as available coverages and discounts.
Ypsilanti insurance requirements
Michigan drivers must have minimum liability insurance. To drive legally in Ypsilanti, drivers must have at least these limits:
- $50,000 per person for bodily injury
- Accident: $100,000 for bodily injury
- $10,000 damage to property
Michigan is a state. Drivers must also have personal injury protection (PIP), property insurance (PPI), and residual liability insurance.
Insurance professionals recommend purchasing higher liability limits if you have the funds. This will help you to be more protected in case of an accident. You may want to consider full-coverage insurance depending on your vehicle situation. This will provide coverage for your vehicle. Your lender may require that you carry full coverage if you have a car loan or lease.
Discounts on car insurance in Ypsilanti
Car insurance in Ypsilanti is costly, but drivers may be able use discounts to reduce the cost. The following discounts are available in the Ypsilanti region, although every company has its own options.
- Multi-policy discount: Combining your homeowners and auto insurance may help you save money if you own or rent a house or condo.
- Discount for new vehicles: Many car insurance companies offer discounts to customers who purchase vehicles less than three years old.
- Safe driver discount: A good driver discount is a discount that allows you to go longer without getting a ticket or filing a claim.
- Telematics Discount: Your insurance company could offer you a discount if they allow you to track your driving using a plug-in or mobile app.
You can call a customer service representative or agent to find out what discounts your company offers.
Questions frequently asked
Which is the best auto insurance company in Ypsilanti
You need to decide what is most important for you in regards to insurance. You may want to consider price, coverage options and discounts. Customer service or satisfaction might also be important. You can request quotes from multiple companies to find the best fit for your needs. This is a great way to get coverage that suits your budget and needs.
What is the cost of car insurance in Ypsilanti
The average cost of car insurance in Ypsilanti is $995 per year for minimum coverage, and $2,358 per year for full coverage. Your personal factors, such as your age, driving record, vehicle type, and coverage options, will impact your rate.
What amount of car insurance do you need in Ypsilanti
To legally drive in Michigan, drivers in Ypsilanti need to have at least 50/100/10 coverage limits. Drivers also need personal injury protection (PIP), vehicle protection insurance (PPI), and residual liability insurance. Talking to an insurance professional is a good idea if you’re not sure how much coverage you need.
