By Steve Vander Ploeg
Figures on this page are illustrative sample-profile benchmarks for education and layout — not live market quotes. Actual premiums vary by ZIP, vehicle, coverage, driving history, and underwriting. Ask a licensed agent for a personalized comparison.
What is the average cost of car insurance in Ann Arbor?
For an illustrative sample profile, car insurance in Ann Arbor benchmarks near $129/mo. That sits near our Michigan sample benchmark of $128/mo. Michigan no-fault and PIP choices can move price as much as the city itself — we walk those tradeoffs before you bind.
| Market | Avg. monthly (sample) |
|---|---|
| Ann Arbor average (sample) | $129/mo |
| Michigan average (sample) | $128/mo |
Key takeaways
What Ann Arbor drivers should know
- $129/mo illustrative sample-profile average.
- Carrier gaps usually beat city-to-city gaps — compare before you renew.
- Campus, commute, and Washtenaw household policies.
Free rate check
Are you paying too much for car insurance?
Ann Arbor car insurance rates by company
Company-by-company differences can be substantial in Ann Arbor. Use the sample table as a benchmark, then compare personalized quotes — insurers weigh vehicles, history, and PIP selections differently.
| Company | Avg. monthly (sample) |
|---|---|
| Carrier A (sample) · Illustrative | $92/mo |
| Carrier B (sample) · Illustrative | $108/mo |
| Carrier C (sample) · Illustrative | $121/mo |
| Carrier D (sample) · Illustrative | $134/mo |
| Carrier E (sample) · Illustrative | $149/mo |
Vander Ploeg data methodology
Tables on this page use an illustrative sample driver profile to show how factors can change premiums. They are not live filings or guaranteed quotes.
- Sample adult driver with a standard personal auto policy shape
- Monthly premium framing for scannability (not a six-month bill)
- Carrier names anonymized until verified market data is published
- Michigan no-fault / PIP choices can change price and medical coverage materially
- Your personalized quote may be higher or lower than any sample row
Figures on this page are illustrative sample-profile benchmarks for education and layout — not live market quotes. Actual premiums vary by ZIP, vehicle, coverage, driving history, and underwriting. Ask a licensed agent for a personalized comparison.
Compare locally
Shop around for the best rates
The only way to know which company fits your file is to compare. We help you shop options from carriers such as American Modern, Foremost, National General, Progressive, and others available for your ZIP in Ann Arbor.
Enter your zip to get started
Ann Arbor car insurance rates by age
Age can have a major impact on car insurance rates in Ann Arbor. Younger drivers usually pay more on sample profiles; mid-career drivers often see lower benchmarks.
| Age group | Avg. monthly (sample) |
|---|---|
| 16–19 | $285/mo |
| 20–24 | $198/mo |
| 25–34 | $126/mo |
| 35–54 | $112/mo |
| 55–69 | $104/mo |
| 70+ | $118/mo |
Ann Arbor car insurance costs by credit tier
Where credit-based insurance scoring is allowed, credit tier can influence premiums. Rules and weighting vary by carrier. In Ann Arbor, treat these rows as educational — not a credit score quote.
| Credit tier | Avg. monthly (sample) |
|---|---|
| Very poor | $168/mo |
| Fair | $142/mo |
| Good | $121/mo |
| Very good | $110/mo |
| Excellent | $98/mo |
Ann Arbor car insurance rates after an accident or citation
Driving history is one of the biggest pricing factors. After a ticket, accident, or OWVI, carriers can diverge widely — comparing quotes in Ann Arbor is especially important.
| Incident / violation | Avg. monthly (sample) |
|---|---|
| Clean record (sample) | $112/mo |
| Speeding ticket | $138/mo |
| At-fault accident | $164/mo |
| Reckless driving | $198/mo |
| DUI / OWVI | $245/mo |
Licensed Michigan agency
Compare carriers with a licensed Michigan agent
Prefer a person? Call (616) 300-5301
Frequently asked questions
What is the average cost of car insurance in Ann Arbor?
Our illustrative sample-profile benchmark for Ann Arbor is about $129/mo. Live quotes depend on your ZIP, vehicles, drivers, coverage, and underwriting.
Who has the cheapest car insurance in Ann Arbor?
There is no single cheapest company for every driver. As an independent agency we shop multiple carriers for your file and show side-by-side options.
What makes Michigan car insurance different?
Michigan is a no-fault state with PIP choices that affect both price and medical coverage. We explain those tradeoffs in plain English before you bind.
How do I get a quote in Ann Arbor?
Enter your ZIP to start. A licensed agent shops carriers and walks you through options — usually the same day you ask.
Will you spam me after I start?
No junk mail. No spam calls. We never sell your data. We only call when you ask — or when an agent needs details to finish your quote.
About Vander Ploeg
Vander Ploeg Insurance Agency, LLC is a licensed independent Michigan agency. We are not a carrier. We shop multiple companies, explain coverage in plain English, and stay on the file after you bind. Educational content on these pages is reviewed by licensed agents and is separate from any carrier relationship.