Why is car insurance so expensive in Michigan, even for drivers with low coverage?

I have the minimum coverage available and my insurance is still $700 a month. Why is it so expensive?

“The average cost of car insurance can vary from state to state. Unfortunately, Michigan is one of the most expensive states to in which to insure a vehicle because it has the highest minimum coverage requirements in the US. Any accidents or tickets will also impact your rate.
While Michigan has a higher cost of insurance, there are many carriers that offer discounts or lower rates on average. Some insurers that have traditionally lower rates in Michigan include Safeco, Metlife, and USAA.
If you haven’t already, shop around with these carriers as well as any others in your area. You may be able to find a more affordable rate than what you are currently being offered. “
Emily Maracle
Answered on Apr 21, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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