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What’s Causing Michigan Drivers to Pay the Nation’s Highest Insurance Rates While Insurers Rake In Record Profits?. AI-Generated.

Michigan drivers face astronomical insurance bills. Today Michigan full coverage premiums average around $3,000 to $3,800 per year, far above the national norm. A 2025 analysis found Michiganders paying $3,193 on average for full coverage versus roughly $1,895 nationwide. Even minimum coverage policies run about $900 annually in Michigan, roughly 50% higher than the U.S. median. These are eye-popping figures: Michigan’s average full coverage rate is more than triple the lowest states and easily among the very highest in America.