Ann Arbor Car Insurance

Everything You Need to Know About Car Insurance in Ann Arbor, MI

As the sixth largest city in Michigan, Ann Arbor is a growing community with nonstop traffic. Whether you're headed to classes at the University of Michigan or on your way to one of the city's 157 scenic parks, be prepared to navigate a maze of traffic on the freeways. If you're a driver in Ann Arbor, MI, you just can't afford to skimp on car insurance.

Trusted Choice® Independent Insurance Agents specialize in helping Ann Arbor drivers navigate coverage options and find the most affordable auto policies. If you're searching for Ann Arbor car insurance, let our friendly Independent Insurance Agents go to work on your behalf. 

  • National average cost per year: $1,311
  • Michigan average cost per year: $2,476
  • The most expensive auto premium in the U.S.

It only takes a split second for a car accident to leave you with devastating injuries and expensive damage to your vehicle. Auto insurance is something every driver needs to protect against the costs of an accident. Michigan's car insurance rates are more expensive than anywhere else in the United States, but Trusted Choice Independent Insurance Agents can help you find the best deals on car insurance with safe driver discounts and even special incentives for drivers with green or hybrid vehicles. 

Michigan Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required 
  • Minimum liability limits: 20/40/10

Michigan state law requires you to have a minimum of $20,000 to cover personal injury, $40,000 for bodily injury liability and $10,000 for property damage. These minimums protect drivers from the devastating financial toll of accidents, but some drivers have found that minimum coverage just isn't enough. If the actual cost of an accident exceeds your coverage level, you'll have to pay the remainder out of pocket. Trusted Choice Independent Insurance Agents can help you determine how much coverage you really need to protect your financial assets and have peace of mind that you're prepared if an accident happens to you.

Number of Uninsured Motorists in Michigan

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Michigan drivers: 21.00%

More than one-fifth of Michigan drivers are currently uninsured, which means a simple fender bender could turn into a major financial problem. If you get hit by an uninsured driver, can you afford to make repairs to your car? Uninsured motorist coverage gives you an extra layer of protection so that you never have to worry about paying for repairs out of pocket. 

Number of Auto Thefts in Michigan

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Michigan: 3.33

Ann Arbor is typically a safe place to live and work in, but car thefts do happen occasionally. You can minimize your risk of auto theft by locking your doors or installing a security system, but there's no guarantee that these precautions will work 100 percent of the time. The only way to be truly protected against auto theft in Ann Arbor is with a comprehensive car insurance policy that pays to replace your stolen vehicle if you do become a victim of auto theft. 

Find a Great Ann Arbor Car Insurance Policy

Choosing your car insurance doesn't have to be complicated. The first step is to contact Trusted Choice Independent Insurance Agents for help. Our experienced agents can provide quotes on multiple auto policies so you can compare all of your options and select a premium that works within your budget. If you're looking for affordable, comprehensive Ann Arbor car insurance, contact a Trusted Choice Independent Insurance Agent today to start building your customized auto plan. 

Now, who's ready to get their insurance problems solved?