Q: Why are auto insurance rates so high in Michigan?

February 15, 2018


Michigan has the best medical coverage in the nation with unlimited lifetime coverage. This coverage is under Personal Injury Protection (PIP). In 2000 PIP was 22% of our total premium. In 2014 that had changed to 52%. Rising medical costs and no cost containment has contributed to the increase.

We also have 1 in 5 people driving without auto insurance (20.3%) which is 4th worse nationally. A smaller pool of people insured leads to higher rates with fewer people to spread the risk of loss to.

The combination of the unlimited lifetime medical benefits with a high uninsured driver rate pushes Michigan to the highest auto rates in the nation.

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