Why is car insurance so expensive for a 19-year-old in Michigan?

My parents won't add me to their car insurance policy, so I'm shopping around for the best rates. I'm 19 with a 2004 Honda Accord, and the best insurance I could find was around $400 a month for state-minimum coverage. Why is it so expensive?

Apr 28, 2021
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Eric Schad
Answered at Apr 28, 2021
“Michigan is the most expensive state for insurance, with an average price of $2,600 per year. That’s 80% more than the national average.
Part of the reason for this is that Michigan has one of the highest state-minimum liability requirements in the country, with 50/100/10 coverage.
Add the fact that you’re 19, and chances are you aren’t going to find super cheap car insurance. Drivers under 25 face some of the highest rates of any demographic due to their perceived recklessness behind the wheel and lack of driving experience.
Still, you should shop around to find the best rates. If you want to save money on car insurance, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance.”
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