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Why is my car insurance premium so high in Michigan when I drive such a cheap car?

I'm paying $210 a month for car insurance on a $1,200 vehicle. Why is Michigan so expensive for car insurance?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.”
Car Insurance
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