“The average premium in Michigan is over $2,600 a year (so you’re about right on with your current rate), about 80% more than the national average.
So why is it so expensive? For several reasons, including:
- Unlimited personal injury protection coverage, meaning that if someone hits you, insurers can potentially fork out millions of dollars for your care
- The highest minimum insurance requirements in the country (50/100/10)
- The second-highest number of uninsured drivers in the country (25.5%)
- Michigan’s status as a no-fault state
Together, these factors drive prices way up. To curb your costs as much as possible, shop for car insurance quotes online. That’s the only way you can tell for sure if you’re paying far too much.”