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No. 1 most expensive: Michigan

Last updated: April 18, 2019

By , Insure.com

Car insurance rates of Michigan

Average annual rate: $2,611

Average annual rate for the top-selling vehicle in the country first quarter of 2019 F-150: $2,051

Average annual rate for the top-selling SUV in the country first quarter of 2019 Toyota RAV4 LE: $2,607

Average annual rate for the top-selling sedan in the country first quarter of 2019 Toyota Camry L: $3.231

For six years straight Michigan has taken the top spot for the most expensive state for car insurance.

The Wolverine’s average annual premium is a whopping 14 percent higher than last year’s rate. Michigan’s this year premiums are 79 percent higher than the 2019 car insurance national average

The reason for the very expensive rates in Michigan remains the same – its no-fault system. The state’s one-of-a-kind no-fault auto insurance system requires drivers to carry PIP coverage that 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.

Another factor is the amount of uninsured motorist, likely due to the cost of coverage. The IRC found that an estimated 20.3 percent of Michigan drivers are uninsured, the fourth highest in the nation. With a lower number of insured motorists to pay premiums and share the risk pool, car insurance premiums spike upwards.

Shop with a variety of companies to get the best auto insurance rates in Michigan. If you find low rates with a lesser known company, check out reviews and their A.M. Best financial strength rating before purchasing your policy.

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