Affordable Car Insurance Rates in Ypsilanti, MI (2024)
Car insurance rates in Ypsilanti, MI are $909/month on average. By law, Michigan drivers need to carry at least 20/40/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Ypsilanti car insurance companies to get the coverage you need at the best rates available.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The annual number of car thefts in Ypsilanti is 45.
- The cheapest car insurance company in Ypsilanti after a DUI is USAA
- Average car insurance rates in Ypsilanti, MI for senior drivers are $7,146/year
Average car insurance rates in Ypsilanti, Michigan are $909 a month. But with a little research you can get a great deal from the top car insurance companies in Ypsilanti, MI. Before you buy Ypsilanti, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.
It may even be helpful to compare Ypsilanti car insurance rates with Warren car insurance rates, Livonia car insurance rates, or Flint car insurance rates to make sure you’re getting the best Ypsilanti, MI car insurance quotes available.
Need affordable Ypsilanti, MI car insurance? Enter your ZIP code to compare Ypsilanti car insurance quotes from multiple car insurance companies near you.
Ypsilanti, MI Minimum Car Insurance Coverage
Ypsilanti, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Ypsilanti, MI Car Insurance Rates by Coverage Level
Some Ypsilanti drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Ypsilanti, Michigan car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $20,373 | $20,953 | $21,392 |
| Farmers | $11,350 | $11,700 | $12,156 |
| Geico | $5,772 | $6,109 | $6,601 |
| Liberty Mutual | $21,376 | $21,819 | $22,406 |
| Nationwide | $6,018 | $5,689 | $5,630 |
| Progressive | $5,291 | $5,457 | $5,604 |
| State Farm | $13,871 | $14,730 | $15,305 |
| Travelers | $8,098 | $8,192 | $8,260 |
| USAA | $3,381 | $3,496 | $3,584 |
Ypsilanti, MI Car Insurance Rates by Age, Gender, and Marital Status
Ypsilanti, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Ypsilanti, MI car insurance, get quotes from multiple car insurance companies in the Ypsilanti area and see how these criteria affect your rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $14,847 | $14,847 | $13,640 | $13,640 | $39,445 | $39,445 | $15,691 | $15,691 |
| Farmers | $8,905 | $8,905 | $8,237 | $8,237 | $19,730 | $19,730 | $10,070 | $10,070 |
| Geico | $4,201 | $4,201 | $4,314 | $4,314 | $12,110 | $12,110 | $4,019 | $4,019 |
| Liberty Mutual | $16,417 | $16,417 | $16,256 | $16,256 | $38,378 | $38,378 | $16,417 | $16,417 |
| Nationwide | $4,107 | $4,107 | $3,653 | $3,653 | $10,853 | $10,853 | $4,504 | $4,504 |
| Progressive | $3,169 | $2,928 | $2,805 | $3,142 | $11,861 | $12,629 | $3,688 | $3,384 |
| State Farm | $8,768 | $8,768 | $8,165 | $8,165 | $31,294 | $31,294 | $10,314 | $10,314 |
| Travelers | $5,498 | $5,498 | $4,728 | $4,728 | $16,536 | $16,536 | $5,970 | $5,970 |
| USAA | $2,566 | $2,407 | $2,420 | $2,267 | $6,280 | $5,908 | $3,104 | $2,944 |
Ypsilanti, MI Car Insurance Rates for Teens
How much is Ypsilanti, Michigan car insurance for teens? Compare rates from top Ypsilanti car insurance companies below to help find the cheapest teen car insurance in Ypsilanti, MI.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $39,445 | $39,445 |
| Farmers | $19,730 | $19,730 |
| Geico | $12,110 | $12,110 |
| Liberty Mutual | $38,378 | $38,378 |
| Nationwide | $10,853 | $10,853 |
| Progressive | $11,861 | $12,629 |
| State Farm | $31,294 | $31,294 |
| Travelers | $16,536 | $16,536 |
| USAA | $6,280 | $5,908 |
Ypsilanti, MI Car Insurance Rates for Seniors
Before seniors buy Ypsilanti, Michigan car insurance, they should make sure to shop around. Some Ypsilanti, MI car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $13,640 | $13,640 |
| Farmers | $8,237 | $8,237 |
| Geico | $4,314 | $4,314 |
| Liberty Mutual | $16,256 | $16,256 |
| Nationwide | $3,653 | $3,653 |
| Progressive | $2,805 | $3,142 |
| State Farm | $8,165 | $8,165 |
| Travelers | $4,728 | $4,728 |
| USAA | $2,420 | $2,267 |
Ypsilanti, MI Car Insurance Rates by Credit History
How does your credit history affect Ypsilanti, MI car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $31,393 | $17,531 | $13,794 |
| Farmers | $17,300 | $9,293 | $8,614 |
| Geico | $7,925 | $5,822 | $4,735 |
| Liberty Mutual | $34,609 | $19,975 | $11,016 |
| Nationwide | $7,227 | $5,460 | $4,651 |
| Progressive | $6,283 | $5,299 | $4,770 |
| State Farm | $23,773 | $12,001 | $8,132 |
| Travelers | $8,386 | $8,133 | $8,031 |
| USAA | $5,206 | $2,987 | $2,268 |
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Ypsilanti, MI Car Insurance Rates by Driver History
How does a single speeding ticket affect your Ypsilanti, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Ypsilanti.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $10,183 | $13,498 | $45,656 | $14,287 |
| Farmers | $9,785 | $12,641 | $12,424 | $12,092 |
| Geico | $2,119 | $4,581 | $13,964 | $3,979 |
| Liberty Mutual | $15,052 | $18,356 | $34,628 | $19,431 |
| Nationwide | $4,952 | $6,592 | $6,001 | $5,572 |
| Progressive | $4,614 | $6,084 | $5,454 | $5,651 |
| State Farm | $9,195 | $11,087 | $24,333 | $13,926 |
| Travelers | $5,527 | $7,904 | $12,766 | $6,536 |
| USAA | $2,805 | $3,510 | $4,578 | $3,055 |
Ypsilanti, MI Car Insurance Rates With a DUI
Even a single DUI can increase your Ypsilanti, MI car insurance rates. Compare rates below to see which Ypsilanti car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $45,656 |
| Farmers | $12,424 |
| Geico | $13,964 |
| Liberty Mutual | $34,628 |
| Nationwide | $6,001 |
| Progressive | $5,454 |
| State Farm | $24,333 |
| Travelers | $12,766 |
| USAA | $4,578 |
Ypsilanti, MI Car Insurance Rates by ZIP Code
Just like Ypsilanti car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Ypsilanti, MI car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 48197 | $7,757 |
| 48198 | $7,541 |
Ypsilanti, MI Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Ypsilanti, MI car insurance rates may be. Let’s take a look at average car insurance rates from top Ypsilanti companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $20,906 | $20,906 |
| Farmers | $11,735 | $11,735 |
| Geico | $6,023 | $6,299 |
| Liberty Mutual | $21,120 | $22,613 |
| Nationwide | $5,779 | $5,779 |
| Progressive | $5,451 | $5,451 |
| State Farm | $14,236 | $15,035 |
| Travelers | $8,137 | $8,230 |
| USAA | $3,447 | $3,527 |
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Ypsilanti, MI Cheapest Car Insurance Rates
How do the top Ypsilanti, Michigan car insurance companies’ average rates stack up against the Ypsilanti average monthly car insurance rates of $909? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Ypsilanti, MI Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Ypsilanti, Michigan car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $20,906 |
| Farmers | $11,735 |
| Geico | $6,161 |
| Liberty Mutual | $21,867 |
| Nationwide | $5,779 |
| Progressive | $5,451 |
| State Farm | $14,635 |
| Travelers | $8,183 |
| USAA | $3,487 |
Other Factors Affecting Ypsilanti, MI Car Insurance Rates
Before you buy Ypsilanti, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Ypsilanti, MI Car Theft Rates
The car theft rate in Ypsilanti, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Ypsilanti, Michigan is 45 stolen cars.
Ypsilanti, MI Commute Time
How does your Ypsilanti, MI commute time compare with the average driver? In Ypsilanti, the average commute is 22.0 minutes.
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Ypsilanti, MI Car Insurance Quotes
Compare Ypsilanti, MI car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.