Cost of Car Insurance in Ann Arbor, MI – Averages + Cheapest Autos

What does average auto insurance cost in Ann Arbor? We compare insurance rates for over 150 different vehicles to find the models that are cheapest to insure.

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  • Ann Arbor car insurance rates average $2,240 per year, or approximately $187 per month.
  • Vehicles like the Chevrolet Trailblazer, Nissan Kicks, and Subaru Crosstrek are some of the top picks for having cheap car insurance in Ann Arbor.
  • Models with segment-leading auto insurance rates in Ann Arbor include the Mercedes-Benz CLA250, Chevrolet Tahoe, Jaguar E-Pace, and Acura Integra.

What is average car insurance cost in Ann Arbor?

The average cost of car insurance in Ann Arbor is $2,240 per year, or around $187 per month for a full coverage policy. It costs 0.9% more to insure the average vehicle in Ann Arbor, MI, than the overall national average rate of $2,221.

In the state of Michigan, the average car insurance cost is $2,858 per year, so the average cost in Ann Arbor is $618 less per year. The cost to insure a car in Ann Arbor compared to other Michigan locations is about $928 per year cheaper than in Sterling Heights, $2,300 per year cheaper than in Detroit, and $32 per year less than in Grand Rapids.

The age of the driver makes a big difference in the price of car insurance. The list below details how driver age influences cost by breaking down average car insurance rates based on the age of the driver.

Ann Arbor, MI, car insurance cost for drivers age 16 to 60

  • 16-year-old driver – $7,973 per year or $664 per month
  • 17-year-old driver – $7,722 per year or $644 per month
  • 18-year-old driver – $6,921 per year or $577 per month
  • 19-year-old driver – $6,303 per year or $525 per month
  • 20-year-old driver – $4,502 per year or $375 per month
  • 30-year-old driver – $2,388 per year or $199 per month
  • 40-year-old driver – $2,240 per year or $187 per month
  • 50-year-old driver – $1,984 per year or $165 per month
  • 60-year-old driver – $1,858 per year or $155 per month

The next chart shows a summary of car insurance rates in Ann Arbor for 2024 model year vehicles, averaged based on an assortment of driver ages, policy deductibles, and policy risk factors.

Average car insurance rates in Ann Arbor for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Ann Arbor for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Ann Arbor includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Ann Arbor, MI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,150$429
Safe Driver Age 20$4,502$375
At-fault Accidents Age 40$3,168$264
Low Deductibles Age 40$2,932$244
Safe Driver Age 30$2,388$199
Safe Driver Age 40$2,240$187
Safe Driver Age 50$1,984$165
High Deductibles Age 40$1,886$157
Discount Rate Age 40$1,860$155
Safe Driver Age 60$1,858$155

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

Average rates in the previous chart range from $1,860 per year for a middle-aged driver who receives an exceptional discount rate to $5,150 per year for a 20-year-old driver with too many violations and accidents. Throughout this article, the rate used for comparison purposes is the 40-year-old safe driver rate, which has an average cost of $2,240 per year in Ann Arbor.

As a monthly price, car insurance in Ann Arbor ranges from $155 to $429 for the same driver ages and deductibles shown in the previous chart.

Which cars have cheap insurance in Ann Arbor, MI?

When all car, SUV, and pickup insurance rates are compared, the models with the cheapest average insurance quotes in Ann Arbor tend to be small SUVs like the Chevrolet Trailblazer, Kia Soul, and Nissan Kicks. Average car insurance prices for those models cost $1,818 or less per year for a policy with full coverage.

A few other vehicles that rank in the top 20 in our auto insurance price comparison are the Honda HR-V, Buick Encore, Nissan Murano, and Honda CR-V. Insurance rates are slightly more for those models than the crossovers and compact SUVs at the top of the rankings, but they still have an average insurance cost of $162 or less per month in Ann Arbor.

The next table breaks down the 25 car, truck, and SUV models with the cheapest auto insurance in Ann Arbor, ordered by cost.

Cheapest Car Insurance Rates in Ann Arbor
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,652$138
2Chevrolet Trailblazer$1,680$140
3Kia Soul$1,746$146
4Nissan Kicks$1,760$147
5Honda Passport$1,784$149
6Buick Envision$1,792$149
7Toyota Corolla Cross$1,804$150
8Hyundai Venue$1,818$152
9Mazda CX-5$1,824$152
10Ford Bronco Sport$1,832$153
11Volkswagen Tiguan$1,852$154
12Acura RDX$1,870$156
13Nissan Murano$1,880$157
14Buick Encore$1,900$158
15Honda CR-V$1,906$159
16Subaru Outback$1,906$159
17Buick Envista$1,912$159
18Volkswagen Taos$1,918$160
19Kia Niro$1,926$161
20Toyota GR Corolla$1,944$162
21Honda HR-V$1,948$162
22Subaru Ascent$1,948$162
23Nissan Leaf$1,960$163
24Chevrolet Colorado$1,972$164
25Honda Civic$1,980$165

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Ann Arbor, MI Zip Codes. Updated June 26, 2025

Top 25 cheapest vehicles to insure in Ann Arbor, MI with the Subaru Crosstrek ranking first at $1,652 per year
Top 25 cheapest vehicles to insure in Ann Arbor, MI with the Subaru Crosstrek ranking first at $1,652 per year

A list of 25 vehicle models with cheap Ann Arbor car insurance is not really the best way to show the complete picture of the cost of auto insurance in Ann Arbor. A more efficient way to rank rates for many more vehicles is to organize them by segment.

This next article section talks about the average cost of auto insurance in Ann Arbor for each different automotive segment. The rates shown will give you a good idea of which types of vehicles have the least expensive car insurance rates in Ann Arbor. The sections after the chart show the 20 models with the cheapest auto insurance for the primary segments.

Ann Arbor car insurance rates by automotive segment

If you’re considering buying a different vehicle, it’s useful to know which kinds of vehicles have better auto insurance rates.

As an example, maybe you’re curious if midsize SUVs are cheaper to insure than full-size SUVs or if midsize pickups cost less to insure than full-size pickups.

The next chart shows average auto insurance rates in Ann Arbor for different vehicle segments. In general, compact SUVs, midsize trucks, and minivans tend to have the best average rates, while exotic models have the most expensive average cost to insure.

Car insurance average cost by automotive segment in Ann Arbor, MI.
Figure 2: Car insurance average cost by automotive segment in Ann Arbor, MI. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Ann Arbor Zip Codes.

Car Insurance Rates by Automotive Segment in Ann Arbor, MI
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,054$171
Midsize SUV$2,208$184
Compact Car$2,212$184
Minivan$2,214$185
Midsize Pickup$2,262$189
Midsize Car$2,282$190
Compact Luxury SUV$2,426$202
Compact Luxury Car$2,460$205
Large SUV$2,472$206
Half-ton Pickup$2,482$207
Heavy Duty Pickup$2,572$214
Midsize Luxury SUV$2,656$221
Midsize Luxury Car$2,746$229
Sports Car$3,078$257
Large Car$3,220$268
Large Luxury SUV$3,464$289
Large Luxury Car$3,580$298

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Ann Arbor, MI Zip Codes. Updated June 26, 2025

Rates by segment are useful for general comparisons, but cost ranges significantly within each vehicle category displayed in the previous chart.

For example, in the midsize car segment, Ann Arbor car insurance rates range from the Kia K5 costing $2,156 per year to the Tesla Model 3 costing $2,628 per year.

Also, in the sports car segment, the average insurance cost ranges from the Mazda MX-5 Miata at $2,070 per year up to the Mercedes-Benz SL 63 costing $4,600 per year, a difference of $2,530 within that segment.

In the following sections, we reduce this variability by comparing the cost of auto insurance in Ann Arbor at a model level.

Cars with the best auto insurance rates in Ann Arbor, MI

The top-ranked model in Ann Arbor for cheapest insurance in the car segment is the Toyota GR Corolla, at $1,944 per year. Second place is the Nissan Leaf at $1,960 per year, and ranking third is the Honda Civic, at an average of $1,980 per year.

Not the cheapest in the list, but still ranking well, are models like the Toyota Prius, Chevrolet Malibu, Kia K5, and Toyota Corolla, with average rates of $2,180 per year or less.

Auto insurance rates for this segment in Ann Arbor for a safe driver starts at an average of $162 per month, depending on the company and where you live.

If rates are ranked by vehicle size, the most budget-friendly compact car to insure in Ann Arbor is the Toyota GR Corolla at $1,944 per year, or $162 per month. For midsize models, the Kia K5 is cheapest to insure at $2,156 per year, or $180 per month. And for full-size cars, the Chrysler 300 is most affordable to insure at $2,130 per year, or $178 per month.

The next table ranks the cars with the lowest-cost insurance rates in Ann Arbor, starting with the Toyota GR Corolla at $162 per month and ending with the Mazda 3 at $193 per month.

Cheapest Cars to Insure in Ann Arbor, MI
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,944$162
Nissan LeafCompact$1,960$163
Honda CivicCompact$1,980$165
Nissan SentraCompact$2,052$171
Subaru ImprezaCompact$2,058$172
Toyota PriusCompact$2,090$174
Kia K5Midsize$2,156$180
Honda AccordMidsize$2,162$180
Chevrolet MalibuMidsize$2,172$181
Toyota CorollaCompact$2,180$182
Kia ForteCompact$2,186$182
Volkswagen ArteonMidsize$2,198$183
Nissan VersaCompact$2,206$184
Subaru LegacyMidsize$2,208$184
Hyundai Ioniq 6Midsize$2,226$186
Mitsubishi Mirage G4Compact$2,258$188
Toyota CrownMidsize$2,266$189
Volkswagen JettaCompact$2,266$189
Hyundai SonataMidsize$2,268$189
Mazda 3Compact$2,314$193

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Ann Arbor, MI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Ann Arbor, MI, with the Toyota GR Corolla ranking first at $1,944 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Ann Arbor, MI, with the Toyota GR Corolla ranking first at $1,944 per year.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Ann Arbor car insurance quotes from top-rated companies in Michigan.

SUVs with the best auto insurance rates in Ann Arbor

Sitting at number one in Ann Arbor for cheapest average insurance in the non-luxury SUV segment is the Subaru Crosstrek, costing an average of $1,652 per year. Second place is the Chevrolet Trailblazer costing $1,680 per year, and the third most affordable is the Kia Soul, costing an average of $1,746 per year.

Not the cheapest SUVs to insure, but still very reasonable, are models like the Mazda CX-5, Hyundai Venue, Buick Envision, and Toyota Corolla Cross, with average cost of $1,832 per year or less.

Car insurance for this segment in Ann Arbor will start around $138 per month, depending on the company and where you live.

If ranked by vehicle size, the cheapest compact SUV to insure in Ann Arbor is the Subaru Crosstrek at $1,652 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $1,784 per year. And for large SUVs, the Chevrolet Tahoe has the best rates at $2,102 per year.

The next table ranks the twenty SUVs with the cheapest average auto insurance rates in Ann Arbor, starting with the Subaru Crosstrek at $1,652 per year and ending with the Subaru Ascent at $1,948 per year.

Cheapest SUVs to Insure in Ann Arbor, MI
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,652$138
Chevrolet TrailblazerCompact$1,680$140
Kia SoulCompact$1,746$146
Nissan KicksCompact$1,760$147
Honda PassportMidsize$1,784$149
Buick EnvisionCompact$1,792$149
Toyota Corolla CrossCompact$1,804$150
Hyundai VenueCompact$1,818$152
Mazda CX-5Compact$1,824$152
Ford Bronco SportCompact$1,832$153
Volkswagen TiguanCompact$1,852$154
Nissan MuranoMidsize$1,880$157
Buick EncoreCompact$1,900$158
Honda CR-VCompact$1,906$159
Subaru OutbackMidsize$1,906$159
Buick EnvistaMidsize$1,912$159
Volkswagen TaosCompact$1,918$160
Kia NiroCompact$1,926$161
Honda HR-VCompact$1,948$162
Subaru AscentMidsize$1,948$162

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Ann Arbor, MI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Ann Arbor, MI, with the Subaru Crosstrek ranking first at $1,652 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Ann Arbor, MI, with the Subaru Crosstrek ranking first at $1,652 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Need rates for a different SUV? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Michigan.

Sports cars with cheap car insurance

Ranking highest for the lowest-cost Ann Arbor car insurance rates in the sports car segment are the BMW Z4, Subaru WRX, Ford Mustang, Toyota GR86, and Mazda MX-5 Miata. Auto insurance quotes for these models average $2,510 or less per year.

Some other sports cars that rank well are the Nissan Z, Lexus RC F, BMW M2, and Toyota GR Supra, with average annual insurance rates of $2,676 per year or less.

Ranked in the lower half of the top 20, cars like the Porsche 718, BMW M3, Lexus LC 500, Porsche 911, Jaguar F-Type, and Mercedes-Benz AMG GT53 average between $2,676 and $3,792 to insure per year.

From a cost per month standpoint, car insurance rates in this segment starts at around $173 per month, depending on the company and your location. The rate comparison table below ranks the twenty sports cars with the cheapest insurance in Ann Arbor, starting with the Mazda MX-5 Miata at $2,070 per year ($173 per month) and ending with the Porsche Taycan at $3,792 per year ($316 per month).

Cheapest Sports Cars to Insure in Ann Arbor, MI
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,070$173
Toyota GR86Sports Car$2,358$197
Ford MustangSports Car$2,460$205
BMW Z4Sports Car$2,472$206
Subaru WRXSports Car$2,510$209
Toyota GR SupraSports Car$2,514$210
BMW M2Sports Car$2,588$216
Nissan ZSports Car$2,592$216
Lexus RC FSports Car$2,646$221
Subaru BRZSports Car$2,676$223
BMW M3Sports Car$2,826$236
Porsche 718Sports Car$2,882$240
Chevrolet CamaroSports Car$2,910$243
Chevrolet CorvetteSports Car$3,100$258
Porsche 911Sports Car$3,206$267
BMW M4Sports Car$3,340$278
Lexus LC 500Sports Car$3,358$280
Jaguar F-TypeSports Car$3,530$294
Mercedes-Benz AMG GT53Sports Car$3,704$309
Porsche TaycanSports Car$3,792$316

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Ann Arbor, MI Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Ann Arbor, MI, with the Mazda MX-5 Miata ranking first at $2,070 per year.
Ranking of the cheapest sports cars to insure in Ann Arbor, MI, with the Mazda MX-5 Miata ranking first at $2,070 per year.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Ann Arbor.

Pickups with cheap auto insurance

The lowest-cost pickups to insure in Ann Arbor are the Chevrolet Colorado at $1,972 per year, the Nissan Titan at $2,094 per year, and the Nissan Frontier at $2,116 per year.

Not the cheapest pickups to insure, but still very reasonable, are pickups like the Hyundai Santa Cruz, GMC Sierra 2500 HD, Toyota Tacoma, and GMC Canyon, with an average cost of $2,302 per year or less.

As a cost per month, auto insurance rates in Ann Arbor on this segment for a good driver can cost as low as $164 per month, depending on where you live. The table below ranks the pickups with the most affordable average insurance rates in Ann Arbor, starting with the Chevrolet Colorado at $164 per month and ending with the Ram Truck at $216 per month.

Cheapest Pickups to Insure in Ann Arbor, MI
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,972$164
Nissan TitanFull-size$2,094$175
Nissan FrontierMidsize$2,116$176
Ford RangerMidsize$2,138$178
Ford MaverickMidsize$2,172$181
Honda RidgelineMidsize$2,222$185
Hyundai Santa CruzMidsize$2,258$188
Toyota TacomaMidsize$2,268$189
GMC Sierra 2500 HDHeavy Duty$2,278$190
GMC CanyonMidsize$2,302$192
Jeep GladiatorMidsize$2,358$197
GMC Sierra 3500Heavy Duty$2,372$198
Chevrolet Silverado HD 3500Heavy Duty$2,394$200
Chevrolet Silverado HD 2500Heavy Duty$2,456$205
GMC SierraFull-size$2,472$206
Nissan Titan XDHeavy Duty$2,474$206
Chevrolet SilveradoFull-size$2,476$206
Ford F150Full-size$2,504$209
GMC Hummer EV PickupFull-size$2,568$214
Ram TruckFull-size$2,588$216

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Ann Arbor, MI Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Ann Arbor, MI, with the Chevrolet Colorado ranking first at $1,972 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Ann Arbor, MI, with the Chevrolet Colorado ranking first at $1,972 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see insurance cost for your pickup? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Ann Arbor car insurance quotes from top-rated companies in Michigan.

Luxury cars with affordable insurance rates

The four most affordable luxury car models to insure in Ann Arbor are the Acura Integra at $1,988 per year, BMW 330i at $2,278 per year, Mercedes-Benz CLA250 at $2,304 per year, and Lexus IS 300 at $2,306 per year.

Also ranking well in our comparison are luxury cars like the Lexus RC 300, Genesis G70, Lexus ES 350, and Mercedes-Benz AMG CLA35, with average cost of $2,352 per year or less.

Ranked in the bottom half of the top 20 cheapest luxury cars to insure, models like the Audi S3, Lexus IS 350, BMW 228i, BMW 330e, BMW 230i, and Lexus RC 350 cost between $2,352 and $2,508 per year to insure in Ann Arbor.

Car insurance in this segment for an average middle-age driver can cost as low as $166 per month, depending on your location and insurance company.

The most affordable compact luxury car to insure in Ann Arbor is the Acura Integra at $1,988 per year. For midsize luxury models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,304 per year. And for full-size luxury cars, the Audi A5 is cheapest to insure at $2,660 per year.

The table below ranks the twenty luxury cars with the cheapest car insurance rates in Ann Arbor.

Cheapest Luxury Cars to Insure in Ann Arbor, MI
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,988$166
BMW 330iCompact$2,278$190
Mercedes-Benz CLA250Midsize$2,304$192
Lexus IS 300Midsize$2,306$192
Acura TLXCompact$2,316$193
Cadillac CT4Compact$2,336$195
Lexus ES 350Midsize$2,336$195
Genesis G70Compact$2,342$195
Mercedes-Benz AMG CLA35Midsize$2,348$196
Lexus RC 300Midsize$2,352$196
Lexus IS 350Compact$2,362$197
Jaguar XFMidsize$2,368$197
Cadillac CT5Midsize$2,412$201
Lexus ES 250Midsize$2,422$202
Lexus RC 350Compact$2,428$202
BMW 330eCompact$2,430$203
BMW 228iCompact$2,434$203
BMW 230iCompact$2,454$205
Lexus ES 300hMidsize$2,456$205
Audi S3Compact$2,508$209

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Ann Arbor, MI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Ann Arbor, MI, with the Acura Integra ranking first at $1,988 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Ann Arbor, MI, with the Acura Integra ranking first at $1,988 per year.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see insurance cost for your luxury car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Michigan.

Cheapest luxury SUVs to insure in Ann Arbor

The top five models for the lowest-cost Ann Arbor auto insurance rates in the luxury SUV segment are the Cadillac XT5, Lexus NX 250, Cadillac XT4, Acura RDX, and Jaguar E-Pace. Car insurance rates for these 2024 models average $176 or less per month.

Other models that rank well in our comparison include the Lincoln Corsair, Lexus UX 250h, Mercedes-Benz GLB 250, and Lexus NX 450h, with average annual insurance rates of $2,156 per year or less.

Full-coverage insurance in this segment for an average middle-age driver starts at an average of $156 per month, depending on where you live and the company you use.

The comparison table below ranks the twenty luxury SUVs with the lowest-cost insurance rates in Ann Arbor, starting with the Acura RDX at $1,870 per year and ending with the Lexus RX 350 at $2,246 per year.

Cheapest Luxury SUVs to Insure in Ann Arbor, MI
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,870$156
Lexus NX 250Compact$1,980$165
Cadillac XT4Compact$2,020$168
Jaguar E-PaceMidsize$2,092$174
Cadillac XT5Midsize$2,112$176
Lexus NX 350hCompact$2,112$176
Lincoln CorsairCompact$2,136$178
Mercedes-Benz GLB 250Compact$2,142$179
Lexus UX 250hCompact$2,146$179
Lexus NX 450hCompact$2,156$180
Infiniti QX50Midsize$2,174$181
Mercedes-Benz GLA250Compact$2,182$182
Mercedes-Benz GLA35 AMGCompact$2,188$182
Cadillac XT6Midsize$2,190$183
Infiniti QX60Midsize$2,200$183
Mercedes-Benz AMG GLB35Midsize$2,204$184
Land Rover EvoqueCompact$2,232$186
Acura MDXMidsize$2,236$186
Lexus NX 350Compact$2,244$187
Lexus RX 350Midsize$2,246$187

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Ann Arbor, MI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Ann Arbor, MI, with the Acura RDX ranking first at $1,870 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Ann Arbor, MI, with the Acura RDX ranking first at $1,870 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see insurance cost for your luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Michigan.

Tips for cheaper Ann Arbor auto insurance rates

Ann Arbor drivers should always be thinking of ways to pay less for car insurance So glance at the money-saving tips below to see if you can save a little cash on your next policy.

  • Qualify for discounts to save money. Savings may be available if the insureds work in certain occupations, are loyal customers, insure multiple vehicles on the same policy, are good students, or many other discounts which could save the average Ann Arbor driver as much as $380 per year.
  • Consider buying higher deductibles. Jacking up your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Your choice of occupation could reduce your rates. The vast majority of insurance companies offer discounts for having a job in professions like college professors, firefighters, police officers and law enforcement, scientists, members of the military, nurses, and others. If your occupation qualifies you for this discount, you may save between $67 and $218 on your annual car insurance cost, depending on the coverage levels.
  • Buy vehicles with cheaper insurance rates. The type of vehicle you drive is a big factor in the cost of car insurance in Ann Arbor. As an example, a Subaru Outback costs $1,004 less per year to insure in Ann Arbor than a Chevrolet Camaro. Less performance means less cost.
  • Shop around anytime. Setting aside the time to get a few free car insurance quotes is the best way to save money. Companies make rate modifications frequently and you do not even have to wait until your policy renewal date to switch.