Cheapest Car Insurance Quotes in Ypsilanti

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Ypsilanti Car Insurance

^$ 40

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Ypsilanti

The car insurance rate in Ypsilanti is $1509 for a six-month policy, which is $185 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $562, making it a popular choice for budget-conscious drivers. Rates in Ypsilanti can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Ypsilanti

$1509

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Ypsilanti

1st place: Travelers

At $562 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $718 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $779 for six months, making it the third cheapest auto insurance company in Ypsilanti.

Ypsilanti Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ypsilanti, MI is Travelers, offering policies at just $562 for a six-month term. This is followed by USAA, which has an average six-month premium of $718.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $928 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ypsilanti drivers find the best deals.

Cheap Car Insurance Companies in Ypsilanti, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$562	$95
USAA	$718	$121
Encompass	$779	$132
Auto-Owners Insurance Co	$799	$133
Chubb	$840	$143
Farm Bureau Ins of MI	$988	$165
Auto-Owners	$1036	$174
AAA	$1043	$176
Pioneer State Mutual Ins Co	$1076	$184
Progressive	$1104	$186
Westfield	$1341	$226
Farm Bureau	$1916	$319
Pioneer State Mutual	$2086	$355
State Farm	$2228	$375
Frankenmuth	$2370	$404
Bristol West	$2674	$446
Allstate	$2052	$349
Farmers	$4158	$707
Hastings Mutual	$928	$155

Key Takeaways

Way's key takeaways about car insurance in Ypsilanti

The auto insurance costs in Ypsilanti fall around $562 for six months.
The cheapest auto insurance company in Ypsilanti is Travelers.
Teen drivers pay the highest rate in Ypsilanti at $1101 per month.

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Cheapest Minimum Liability Car Insurance in Ypsilanti

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Ypsilanti are given below.

Travelers provides the cheapest minimum car insurance coverage in Ypsilanti. Their Average 6 Month Premium is $237. Farmers is the most expensive at $2160 for the same period.

Cheapest Liability Coverage in Ypsilanti, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$237	$40
Westfield	$251	$42
USAA	$298	$50
Encompass	$325	$55
Chubb	$345	$59
Auto-Owners Insurance Co	$373	$62
Auto-Owners	$413	$70
Progressive	$467	$79
AAA	$474	$81
Farm Bureau Ins of MI	$481	$80
Farm Bureau	$603	$103
Pioneer State Mutual	$610	$101
Frankenmuth	$718	$122
State Farm	$1110	$187
Bristol West	$1117	$190
Allstate	$873	$148
Farmers	$2160	$360

Cheapest Full Coverage Car Insurance in Ypsilanti

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Ypsilanti is Travelers at $95 per month and $562 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ypsilanti, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$562	$95
USAA	$718	$121
Encompass	$779	$132
Auto-Owners Insurance Co	$799	$133
Chubb	$840	$143
Farm Bureau Ins of MI	$988	$165
Auto-Owners	$1036	$174
AAA	$1043	$176
Pioneer State Mutual Ins Co	$1076	$184
Progressive	$1104	$186
Westfield	$1341	$226
Farm Bureau	$1916	$319
Pioneer State Mutual	$2086	$355
State Farm	$2228	$375
Frankenmuth	$2370	$404
Bristol West	$2674	$446
Allstate	$2052	$349
Farmers	$4158	$707
Hastings Mutual	$928	$155

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Average Car Insurance in Ypsilanti by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Ypsilanti, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Ypsilanti, Michigan, may be increasing due to several external factors. Michigan has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Ypsilanti's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Ypsilanti

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Ypsilanti,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Ypsilanti at $47 per month. At $6609 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$278	$47
Westfield	$298	$50
Encompass	$325	$55
Chubb	$386	$66
Auto-Owners Insurance Co	$406	$67
Grange	$528	$90
USAA	$1145	$193
Auto-Owners	$1435	$242
AAA	$1863	$314
Progressive	$2628	$442
Farm Bureau	$3128	$521
Pioneer State Mutual	$3670	$624
Frankenmuth	$4374	$730
State Farm	$6149	$1045
Allstate	$4443	$756
Farmers	$19069	$3242
Bristol West	$6609	$1101

Teen Car Insurance Rates in MI by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Ypsilanti, Travelers is the cheapest car insurance provider. At $454 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Ypsilanti is Farm Bureau Ins of MI, offering rates of around $1435 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$454	$75
Encompass	$467	$80
Progressive	$657	$109
Westfield	$691	$117
Auto-Owners Insurance Co	$732	$122
Pioneer State Mutual Ins Co	$894	$152
Grange	$1131	$188
Farm Bureau Ins of MI	$1435	$244

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Car Insurance Rates with An Accident in Ypsilanti

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Ypsilanti, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Ypsilanti

The cheapest car insurance companies after an at-fault accident in Ypsilanti include Chubb and Westfield, offering $345 and $366, respectively. Pioneer State is an expensive provider with an average six-month premium of $542.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$345	$59
Westfield	$366	$60
Auto-Owners Insurance Co	$426	$73
Encompass	$481	$80
Farm Bureau Ins of MI	$569	$97
Pioneer State Mutual Ins Co	$629	$105
Travelers	$670	$113
USAA	$873	$147
Progressive	$1036	$174
Auto-Owners	$1205	$203
AAA	$1435	$242
Farm Bureau	$2343	$391
Pioneer State Mutual	$2499	$425
State Farm	$2824	$471
Frankenmuth	$3047	$519
Allstate	$3271	$545
Farmers	$5844	$994
Pioneer State	$542	$90

Ypsilanti Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ypsilanti MI. For example, the car insurance in Ypsilanti after a DUI increases to $2736 for a six month policy. While the rate increases by $1490 for a six-month policy in the case of a speeding ticket.

Ypsilanti auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1490	$249
Failure to wear a seat belt	$1767	$301
Cell phone violation	$1875	$312
Texting while driving	$1875	$319
Illegal turn	$1882	$314
Wrong way/wrong lane	$1882	$320
Speeding in school zone	$1909	$318
Driving with expired registration	$1923	$327
Failure to stop at a red light	$1944	$324
Improper passing	$1944	$331
Speeding 16 - 20 MPH over limit	$2160	$360
Open container	$2546	$433
Driving with a suspended license	$2851	$475
Racing	$3676	$625
Reckless driving	$3996	$666
Leaving scene of an accident/hit and run	$4097	$697
DUI	$4226	$705

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Ypsilanti after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Ypsilanti.

The cheapest car insurance premiums in Ypsilanti are offered by Chubb at $345 for a six-month policy. However, it can be as expensive as $10672 with companies like Allstate.

Ypsilanti car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$345	$57
Auto-Owners Insurance Co	$914	$155
Grange	$921	$154
Farmers	$935	$158
Progressive	$1029	$173
Pioneer State Mutual Ins Co	$1110	$189
USAA	$1232	$207
Travelers	$1361	$231
Auto-Owners	$2201	$370
Westfield	$2241	$377
AAA	$2472	$416
Bristol West	$3169	$539
Pioneer State Mutual	$3989	$665
Farm Bureau	$4692	$798
State Farm	$5804	$977
Frankenmuth	$10503	$1786
Allstate	$10672	$1778

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Ypsilanti are offered by Westfield at $298. However, it can be as expensive as $13469 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ypsilanti after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$298	$50
Chubb	$345	$57
Encompass	$366	$63
Travelers	$447	$74
Auto-Owners Insurance Co	$474	$81
Farm Bureau Ins of MI	$677	$113
Grange	$718	$122
Auto-Owners	$901	$150
USAA	$921	$156
AAA	$1165	$194
Farm Bureau	$1205	$205
Pioneer State Mutual	$1327	$221
Progressive	$1354	$228
Frankenmuth	$2167	$361
State Farm	$3941	$670
Allstate	$2674	$455
Farmers	$13469	$2290

Car Insurance Price Trends in Ypsilanti, Michigan

Car insurance rates in Ypsilanti have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Ypsilanti dipped by $239 in January compared to $306 of December. In other words, there has been an decrease by $67 when you compare January and December.

The average cost of liability insurance in the Ypsilanti dipped to $84 in January, compared to $101 in December. This represents an decrease of $17 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Ypsilanti?

The car insurance in Ypsilanti is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Ypsilanti?

The cheapest car insurance in Ypsilanti is $95 per month for full coverage.

How much is car insurance in Ypsilanti for teenagers?

Car insurance for teenagers costs $278 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Ypsilanti?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $254 per month to insure your car in Ypsilanti.

Is car insurance expensive in Ypsilanti?

Car insurance can be expensive in Ypsilanti if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Ypsilanti can be affordable.

Cheapest Car Insurance Quotes in Ypsilanti

Why you can trust Way?

How Much Is Car Insurance in Ypsilanti

Avg. Car Insurance in Ypsilanti

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Ypsilanti

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Ypsilanti Car Insurance Rates by Company

Cheap Car Insurance Companies in Ypsilanti, MI

Way's key takeaways about car insurance in Ypsilanti

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ypsilanti

Cheapest Liability Coverage in Ypsilanti, MI

Cheapest Full Coverage Car Insurance in Ypsilanti

Cheapest Full Coverage Car Insurance Quotes in Ypsilanti, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ypsilanti by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Ypsilanti, MI increasing?

Car Insurance Premiums by Age in Ypsilanti

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ypsilanti,MI

If you are in your twenties N/A is the best choice for car insurance in Ypsilanti.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Ypsilanti

Cheapest Car Insurance Companies after an At-Fault Accident in Ypsilanti

Ypsilanti Car Insurance Rates by Violation

Ypsilanti auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ypsilanti after a DUI

Ypsilanti car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ypsilanti after Speeding ticket

Car Insurance Price Trends in Ypsilanti, Michigan

Average Car Insurance Cost in Ypsilanti by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ypsilanti, MI

Car Insurance Rates by State in the USA (2025 Update)

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