The state with the most expensive auto insurance is Michigan, where a minimum coverage policy costs an average of $159 per month ($1,908 annually). Car insurance in Michigan is so expensive because Michigan has the highest minimum coverage requirements, which include types of coverage like personal injury protection.
Note: Premiums are for a 45-year-old good driver with a minimum-coverage policy; individual premiums will vary.
The national average cost of a minimum-coverage car insurance policy is around $60 per month, which is 62% less than the average policy in Michigan. You can help offset those high costs by shopping around for the cheapest car insurance providers and comparing quotes regularly. Also, taking advantage of all available discounts can help you save a lot each year.
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