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Best cheap car insurance in Ypsilanti

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The cheapest car insurance company in Ypsilanti is USAA, according to Bankrate’s 2021 study of quoted annual premiums, although you will need to be a current or former military member or eligible family member to qualify. For non-military, Progressive offers the second-cheapest rates among companies we studied. And residents of Ypsilanti may want to look for cheap coverage, as the average annual premium for car insurance in Ypsilanti is $995 for minimum coverage and $2,358 for full coverage, or $196 monthly.

Though Ypsilanti premiums are significantly higher when compared to national costs, a variety of insurance options are available to Ypsilanti drivers which may help them to find coverage to fit their budget. Insurance agents often recommend basing your decision on a variety of factors, not simply which carrier offers the lowest rates. Fortunately, there are a number of options available for both cheap rates and standout coverage and service.

Best cheap car insurance companies in Ypsilanti

USAA, Progressive, Geico and Auto-Owners top the list for best cheap car insurance companies in Ypsilanti according to Bankrate’s study of Quadrant rates. Not only does each provider offer the lowest rates in the area, but each scores exceptionally high with the Bankrate Score. The Bankrate Score is calculated based on how each provider performs with J.D. Power customer satisfaction ratings and AM Best financial strength indicators, as well as customer affordability, using a five-point scale.

Insurance company Bankrate Score J.D. Power customer satisfaction score
North Central region
Average annual premium for full coverage Average annual premium for minimum coverage
USAA 5.0 895/1,000* $1,243 $497
Progressive 4.4 842/1,000 $1,312 $675
Geico 4.7 837/1,000 $1,359 $655
Auto-Owners 4.5 842/1,000 $1,990 $820

*USAA not officially ranked by J.D. Power due to eligibility restrictions.

USAA

With the cheapest rates for both full and minimum coverage on our list, USAA could be a great choice for current and past military members and their eligible families. USAA claims that average drivers save over $700 when they switch their coverage. Not everyone will be eligible for membership, but those who are will find they can also take advantage of potential discounts for being a safe driver, 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 2021 J.D. Power U.S. Auto Insurance Study, with a score of 895 out of 1,000.

Learn more: USAA Insurance review 

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.

Progressive also received a slightly lower-than-average number of complaints per the National Association of Insurance Commissioners, with a score of 0.88 on its complaint index (1.00 represents a baseline) for its personal auto product. It also scored above the industry average for customer satisfaction in the 2021 J.D. Power U.S. Auto Insurance Study.

Learn more: Progressive Insurance review

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. If eligible, Geico offers discounts to good students, policyholders who are federal employees, members of the military and defensive drivers.

Geico is more limited with coverage options, which could be an issue if you are looking for a more specialized policy. However, 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.

Learn more: Geico Insurance review 

Auto-Owners

Auto-Owners offers car, home, life and business insurance in Michigan through independent agents. Its 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 potential discounts, including a payment history discount, a green discount and a safety features discount.

Although Auto-Owners has the highest average rates among our list of cheap car insurance companies, it ranks above the industry average on the 2021 J.D. Power U.S. Auto Insurance Study, indicating that policyholders are generally satisfied with its customer service. Auto-Owners also has an A++ rating from AM Best, which illustrates that the company has a history of being financially strong.

Learn more: Auto-Owners Insurance review 

How to get and keep the cheapest car insurance in Ypsilanti

Keep the following in mind when you are trying to secure — and keep  —  the most affordable rates in the area.

  • Seek multiple quotes. Instead of only contacting one insurance company, consider comparing quotes from multiple insurance providers. When doing so, be sure to give each company the same exact information so you are comparing the true cost of policies. Each provider has its own method for calculating rates, so you may be surprised how different the premiums can be from one to another.
  • Maintain a clean driving record. A clean driving record not only benefits your safety, but it usually helps your wallet too. By avoiding moving violations or at-fault accidents you will typically qualify for lower premiums. You also may qualify for additional savings, such as a safe driver or accident-free discounts.

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.

How can I lower my car insurance rates in Ypsilanti?

Another method for finding the cheapest car insurance companies in Ypsilanti is to review all available discounts. Discounts vary widely from one provider to another, which means you may qualify for additional ones you aren’t even aware of. You can typically find the information online or by directly contacting the provider to review all available options.

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)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 coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
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