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No. 1 Most Expensive: Michigan

Car insurance rates of Michigan

Average rate: $2,394

Average rate for the top-selling vehicle in the country first quarter of 2017 F-150 XL: $2,041

Average rate for the top-selling SUV in the country first quarter of 2017 Nisan Rogue S: $2,474

Average rate for the top-selling sedan in the country first quarter of 2017 Toyota Camry LE: $2,711

Michigan reigns supreme as the most expensive state for car insurance for the fourth year in a row. The state’s unique no-fault system is the culprit for the insurance rate that is $1,076 more than the national average. 

No-fault insurance, otherwise known as PIP coverage, pays medical expense resulting from injuries sustained in an auto accident. There are over 15 other no-fault states, but only Michigan offers unlimited medical benefits. That is much more than the $10,000 that Floridians are required to purchase. For drivers to obtain unlimited PIP benefits, drivers’ rates are hiked up drastically. Fraudulent claims only make this worse.

The IRC found that an estimated 21 percent of Michigan drivers are uninsured, the fifth highest in the nation (Oklahoma comes in first with 25.9 percent). With a lower number of insured motorists to pay premiums and share the risk pool, car insurance rates rise.

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