Car Insurance in Ann Arbor, MI
Choosing the right car insurance in Ann Arbor can protect your ride and provide peace of mind.
Ann Arbor is a driver-friendly city, which might explain why 77% of the population lives and works within the city. It features ample park-and-ride facilities and bike lanes to minimize conflicts on the roads. As in other Michigan cities, all drivers must carry no-fault insurance to cover damages if an accident occurs. This ensures that car insurance in Ann Arbor provides peace of mind when you head out to enjoy all the city offers.
Public transportation options in Ann Arbor include TheRide bus service and the University of Michigan's private bus service for students, employees and visitors. TheRide is currently developing a 30-year plan to address the growing need for a comprehensive public transit system. Still, over 48% of workers in Ann Arbor drive alone to work. with an average one-way commute time of 19.5 minutes. which is shorter than the national average.
Ann Arbor drivers face a few unique risks. For example, winter weather poses a special risk on Ann Arbor roads. Despite comprehensive snow removal plans, drivers must learn the correct way to handle slippery road conditions to avoid snow-related accidents. Frequent construction can also contribute to the approximately 2,500 accidents on city roads each year.
On the other hand, there are also positives to residing in Ann Arbor, such as experiencing lower rates of car theft than the rest of Michigan. At VIU by HUB, our online tool can help you compare quotes and find a policy that addresses the risks faced by Ann Arbor drivers.
Choosing the right car insurance in Ann Arbor starts with understanding your coverage options. Michigan policies may consist of no-fault, collision and comprehensive coverage. You can also customize a policy by adding features such as towing and rental car coverage.
Under Michigan law, drivers must purchase a no-fault car insurance policy. A typical policy has the following three main parts:
Drivers may also choose to add collision and comprehensive coverage to pay for damage to their personal vehicle. You should keep in mind that Michigan's no-fault insurance does not cover repairs to your car after an accident.
Car insurance in Ann Arbor is among the cheapest in Michigan. The average annual rate of $1,318 puts it at number 49 out of the 50 largest municipalities in the state. That is lower than the state average car insurance cost and significantly less than Detroit's average of over $3,400.
Car insurance cost averages are based on a specific driver profile, and your quoted rates may vary depending on factors such as your age, driving record and the length of your commute. You may also qualify for special discounts to help you save even more. Compare quotes with our brokers at VIU by HUB so you can choose a policy that fits your driving needs and budget.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
