Best cheap car insurance in Ypsilanti

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Ypsilanti, affectionately known as Ypsi by those who call it home, is a city of just over 20,000 residents. Since car insurance is required in Michigan, it is a necessary expense for Ypsilanti residents who own vehicles. The average annual premium for car insurance in Ypsilanti is $995 for minimum coverage and $2,358 for full coverage.

Though Ypsilanti premiums are higher when compared to national costs, there are a variety of insurance options available to Ypsilanti drivers which may help them to find coverage to fit their budget. Bankrate reviewed coverage options, available discounts, average premiums, market share, customer reviews, claims satisfaction and third-party rankings to find the best and cheapest auto insurance companies in Ypsilanti.

Best car insurance companies in Ypsilanti

Bankrate used Quadrant Information Services to obtain current premium information for insurance companies in the Ypsilanti area. Our analysis of the companies included a review of coverages, discounts, third-party rankings and customer satisfaction, along with average premiums.

Based on our research, these providers are the best car insurance companies in Ypsilanti:

Insurance company J.D. Power score
(North Central region)
Average annual premium for minimum coverage Average annual premium for full coverage
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

With the lowest full coverage car insurance premium on our list, USAA is a great choice for current and past military members and their families. USAA claims that average drivers save over $700 when they switch their coverage. Members can also take advantage of discounts for being a safe driver, accident forgiveness, bundling multiple policies and length of military membership.

Although it does not qualify for official ranking, USAA received the highest number of points in the North Central region in the 2020 J.D. Power U.S. Auto Insurance Study, with a score of 897 out of 1,000.

Geico

Geico may be a good option for Ypsilanti drivers. Not only are its minimum coverage and full coverage average premiums far lower than the citywide average, but it offers a long list of discounts that policyholders may be able to take advantage of. Geico offers discounts to good students, to policyholders who are federal employees or members of the military and to defensive drivers.

If you are looking for mobile tools, Geico may be a great choice. Its website allows policyholders to manage their policies online, and the highly-rated mobile app offers numerous features such as virtual ID cards, the ability to call for roadside assistance and the option to pay bills.

Progressive

Progressive’s average annual premiums are well below the citywide average in Ypsilanti. Perhaps the most notable feature of Progressive is its Name Your Price tool, which allows you to input your preferred price and then shows you a range of coverage options for your car insurance. Progressive also offers potential customers the ability to compare its premiums to those of other insurance carriers right on its website.

However, Progressive did score below industry average in both the 2020 J.D. Power U.S. Auto Insurance Study and the 2020 J.D. Power U.S. Auto Claims Satisfaction Study. The company did receive a slightly lower-than-average number of complaints per the National Association of Insurance Commissioners, with a score of 0.88 on its complain index (1.00 represents a baseline) for its personal auto product.
Quadrant Information Services, 2020

Auto-Owners

Auto-Owners offers car, home, life and business insurance in Michigan through independent agents. The car insurance includes standard coverage options like liability coverage, collision coverage and comprehensive coverage, but it also includes several options to customize your policy, like road trouble service and new car replacement coverage. Auto-Owners also offers a variety of discounts, including a payment history discount, a green discount and a safety features discount.

Auto-Owners ranked third overall in the 2020 J.D. Power U.S. Auto Claims Satisfaction Study, indicating that policyholders are generally satisfied with its claims service. Auto-Owners also has an A++ rating from AM Best, which illustrates that the company is financially strong.

Cheapest car insurance in Ypsilanti

The average cost of car insurance in Ypsilanti is close to the average rates for Michigan drivers. In Ypsilanti, drivers pay on average $995 per year for minimum coverage and $2,358 per year for full coverage car insurance. In Michigan, the average annual premiums are $948 for minimum coverage and $2,309 for full coverage. For comparison, the national average cost of car insurance is quite a bit lower, at $565 per year for minimum coverage and $1,674 per year for full coverage.

For some consumers, price may be the biggest factor when shopping for car insurance. To find the cheapest car insurance companies in Ypsilanti, we considered the average premiums for the 25 largest companies by market share in the area.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $497 $1,243
MetLife $526 $1,636
Geico $655 $1,359
Progressive $675 $1,312
Auto-Owners $820 $1,990

Although price is important, you may want to consider more than just premium when shopping for car insurance. In addition to looking for a cheap company, it could be important for you to take into account a company’s customer service ratings, financial strength and available coverages and discounts.

Ypsilanti insurance requirements

Michigan drivers are required to carry minimum amounts of liability insurance. Ypsilanti drivers need to carry at least the following limits to drive legally:

  • $50,000 bodily injury per person
  • $100,000 bodily injury per accident
  • $10,000 property damage

Since Michigan is a no-fault state, drivers also must carry personal injury protection coverage (PIP), property protection insurance (PPI) and residual liability insurance (RLI).

If you can afford it, insurance professionals generally recommended purchasing higher liability limits to better protect you in the event of an accident. Depending on your vehicle situation and budget, you may also want to consider full coverage insurance to provide coverage for your own vehicle. If you have a loan or lease on your car, your lender will likely require you to carry full coverage.

Car insurance discounts in Ypsilanti

Although car insurance is expensive in Ypsilanti, drivers may be able to use discounts to lower the cost. Although every company offers its own selection of discounts, the following options are common in the Ypsilanti area:

  • Multi-policy discount: If you rent or own a home or condo, combining your homeowners insurance and auto insurance with the same company may save you money on both policies.
  • New vehicle discount: If you purchase a vehicle that is less than three years old, many car insurance companies will offer you a discount.
  • Safe driver discount: The longer you go without a ticket or filing a claim, the more you might save with a safe driver discount, also called a good driver discount.
  • Telematics discount: Allowing your insurance company to monitor your driving via a mobile app or plug-in device could earn you a discount.

If you are not sure what discounts your company offers, you may want to call and talk to an agent or a member of your company’s customer service department to review your policy.

Frequently asked questions

What is the best car insurance company in Ypsilanti?

To find the best car insurance company in Ypsilanti, you should determine what is most important to you when it comes to insurance. It may be price, coverage options, discounts, customer service or claims satisfaction. Once you know what you want from an insurance company, you can request quotes from several companies that meet your needs. This is one of the best ways to find coverage that fits your needs and budget.

How much does car insurance cost in Ypsilanti?

Ypsilanti’s average cost for car insurance is $995 annually for minimum coverage and $2,358 for full coverage. Your rate will likely be different based on your personal metrics, including your age, your driving record, the type of vehicle you drive and what coverage options you select.

How much car insurance do I need in Ypsilanti?

Drivers in Ypsilanti must have at least 50/100/10 liability limits, as well as drivers also must carry personal injury protection (PIP), property protection insurance (PPI) and residual liability insurance (RLI), in order to legally drive in Michigan. If you are unsure how much coverage you need, talking to an insurance professional may be a good idea.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate.com, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Reviewed by
Insurance Editor