Top 10 Most Expensive States for Car Insurance

Top 10 Most Expensive States for Car Insurance

2. Michigan - $2,520 Average Annual Premium

Michigan is in second place and is the only state that guarantees unlimited lifetime personal injury protection (PIP) benefits for treatment of injuries from a car accident. Since PIP is required by all car insurance customers, Michigan’s unlimited PIP benefits raises the average annual premium to $2,520. According to, a portion of everyone’s premium includes an assessment from the Michigan Catastrophic Claims Association, which was $175 this year per vehicle. The Michigan Catastrophic Claims Association covers any expenses above the $500,000 threshold and is a state-created nonprofit organization.

  • Jeffreysofhawaii

    Washington DC is now a State ?

  • Jeff

    Michigan’s auto Insurance has gotten to be so out of hand. It’s more than doubled in the past 3 years. I went from paying about 1000$ a year to over 2400$ a year. I had 1 pt. on my licence when I was paying 1000$ with not one single claim now I have 2 pts on my licence and still never have I had a claim on my auto insurance? This is legal stealing that the state of michigan is doing and our government needs to step in or this troubled state is going to dig itself in a hole that we the people will never beable to get out of. It’s sad what the Insurance companies in Michigan are doing to its people and our government doesn’t even care

  • Joseph

    Michigan is in trouble! Increased insurance rates, registration fees, and gas taxes that have been proposed this year will have a negative effect on the revenue the state generates from me. People will be forced to drop insurance coverage, and will not register vehicles. I have decided that it is not worth the cost to register and insure as many vehicles as I did in the past. I will now operate two vehicles instead of four. By my math the fund, and the state has just lost money. I will keep my extra vehicles parked until there is a demand for them