Ann Arbor Insurance Centre
2755 Carpenter Rd, Ann Arbor, MI 48108
View this agency's profile to learn more about their services.
Loading...
City directory
Ann Arbor households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
2755 Carpenter Rd, Ann Arbor, MI 48108
View this agency's profile to learn more about their services.
703 S Main St, Ann Arbor, MI 48104
View this agency's profile to learn more about their services.
2405 S Main St, Ann Arbor, MI 48103
View this agency's profile to learn more about their services.
1201 Briarwood Circle, Ann Arbor, MI 48108
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Ann Arbor residents.
Ann Arbor has Michigan's lowest insurance rates. Complete guide to auto, home, and renters coverage plus local agents near U of M. Save up to 25% bundling.
Home InsuranceAnn Arbor home insurance costs $856-$1,572/year—15% below state average. Get flood coverage for Huron River risk, historic home protection & landlord policies.
Car InsuranceAnn Arbor has Michigan's lowest car insurance rates at $152/month. Learn about no-fault PIP options, U-M student discounts, and winter driving coverage.
Ann Arbor has lower accident rates, less vehicle theft, and a more educated population with better credit scores compared to cities like Detroit or Flint. These factors make Ann Arbor drivers less risky to insure, so companies charge lower premiums. The average Ann Arbor driver pays $2,628 annually compared to over $4,000 in Detroit.
About 15% of Ann Arbor buildings face significant flood risk, especially near the Huron River and in low-lying neighborhoods. Standard homeowners policies don't cover flooding, so if you're in a flood-prone area, you need a separate policy through the National Flood Insurance Program. Check FEMA flood maps for your specific address to assess your risk.
Michigan's 2019 insurance reform lets you select lower personal injury protection levels if you have good health insurance. Choosing a lower PIP option reduces your auto insurance premium but means your health insurance will cover medical expenses after an accident. Make sure your health insurance doesn't exclude auto-related injuries, and ensure everyone in your household is listed on your auto policy or coverage gaps could occur.
Many Ann Arbor landlords and apartment complexes, especially those near campus, require renters insurance as a lease condition. Even if it's not required, renters insurance costs only $15 to $30 monthly and protects your belongings and provides liability coverage. If you cause damage to the apartment or someone gets injured in your unit, you could face thousands in out-of-pocket costs without coverage.
Bundling home and auto insurance with the same company typically saves 10% to 25% on both policies in Michigan. For an Ann Arbor resident paying $2,628 annually for auto and $2,009 for home insurance, a 15% bundle discount would save about $695 per year. Always compare bundled rates from multiple companies since some offer better bundle discounts than others.
Yes. Ann Arbor has seen a 44% increase in precipitation over 30 years and a 37% rise in extreme storm events. Make sure your dwelling coverage can fully rebuild your home at current construction costs, consider adding flood insurance if you're at risk, and review your deductible since many Michigan policies now use percentage-based deductibles of 2% to 5% that increase your out-of-pocket costs significantly.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network