Michigan is the most expensive state for car insurance, with an average full-coverage rate of $4,638 a year. This is 135% higher than the national average rate of $1,976.
Michigan’s high rates are in part due to its no-fault car insurance laws, the state’s high rate of uninsured drivers and the number of personal injury lawsuits in the state.
Nevada comes in second, with an average full-coverage rate of $2,958 a year, and $1,368 for minimum coverage.