{"id":104505,"date":"2016-03-07T14:46:02","date_gmt":"2016-03-07T19:46:02","guid":{"rendered":"http:\/\/www.thedetroitbureau.com\/?p=104505"},"modified":"2016-03-07T14:46:02","modified_gmt":"2016-03-07T19:46:02","slug":"michigan-most-expensive-state-for-car-insurance","status":"publish","type":"post","link":"https:\/\/thedetroitbureau.com\/2016\/03\/michigan-most-expensive-state-for-car-insurance\/","title":{"rendered":"Michigan Most Expensive State for Car Insurance"},"content":{"rendered":"
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Insurance coverage in Michigan is more than twice as expensive as the national average.<\/figcaption><\/figure>\n

Not only is Michigan home to the Detroit Three automakers, it\u2019s also state that sees drivers charged more for auto insurance than any other in the United States, according to a new study.<\/p>\n

The average cost of car insurance in Michigan is $2,738 a year: more than double the national average of $1,325. It marked the third year in a row that the Wolverine state took top \u201chonors,\u201d and according Insure.com, which put together this year\u2019s survey, it\u2019s unlikely to change anytime soon.<\/p>\n

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News Now!<\/figcaption><\/figure>\n

\u201cThe factors that cause Michigan to be the most expensive aren\u2019t likely to change any time soon,\u201d said Penny Gusner, insurance analyst for Insure.com. Michigan has been in the top five for the last six years.<\/p>\n

\u201cMichigan\u2019s no-fault requirement, while trying to curb insurance fraud, causes astronomical rates.\u00a0 It then creates a high percentage of drivers who cannot afford to be insured \u2013 raising rates even more so. It\u2019s a dangerous cycle.\u201d<\/p>\n

(American car buyers paying record prices \u2013 running up record debt. <\/em><\/strong>Click Here<\/a><\/span><\/strong>\u00a0for the story.)<\/em><\/strong><\/p>\n

The remainder of the top five most expensive states included Montana, New Jersey, Louisiana and Oklahoma. Montana captured the No. 2 spot for the second year in a row. New Jersey broke into the top five for the first time ever, the site noted.<\/p>\n

Maine repeated as the low-cost champ for the second consecutive years. It was joined by Ohio, Wisconsin, Idaho and New Hampshire as the least costly states to insure a vehicle.\u00a0 The top three have placed in the top five cheapest states every year since 2010.<\/p>\n

\u201cMost of the least expensive states don\u2019t have as large metropolitan areas as the most expensive group. With less congestion comes fewer accidents and less risk for insurers,\u201d Gusner said.<\/p>\n

(<\/em><\/strong>Click Here<\/a><\/span><\/strong> for details about the new four classic pickups that got the USPS stamp of approval.)<\/em><\/strong><\/p>\n

\u201cIt\u2019s one of the most straight-forward aspects lowering car insurance premiums in those states. Ohio has an extremely competitive insurance industry. There are more than 650 issuers competing for business within the state.\u201d<\/p>\n

The national average for a full-coverage policy as featured in the Insure.com report came in at $1,325 this year \u2013 a slight increase from last year\u2019s average of $1,311. Rates varied from a low of $808 a year in Maine to the aforementioned $2,738 in Michigan.<\/p>\n

(BMW Vision Next 100 offers look at century to come. For more, <\/em><\/strong>Click Here<\/a><\/span><\/strong>.)<\/em><\/strong><\/p>\n

Insurance rates are influenced by a number of different factors. Everything from traffic, crime rates, state and local laws, the percentage of uninsured drivers, as well as the number of insurance companies competing in a market can all result in higher, or if you\u2019re lucky, lower insurance premiums in your state.<\/p>\n","protected":false},"excerpt":{"rendered":"

For the third year in a row, Michigan is home to the highest average insurance rate in the nation, while Maine for the second consecutive year is the lowest. For details, head over to TheDetroitBureau.com.<\/p>\n","protected":false},"author":4389,"featured_media":80971,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","footnotes":""},"categories":[8],"tags":[],"make":[],"post-state":[],"category_old":[151],"acf":[],"_links":{"self":[{"href":"https:\/\/thedetroitbureau.com\/wp-json\/wp\/v2\/posts\/104505"}],"collection":[{"href":"https:\/\/thedetroitbureau.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thedetroitbureau.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thedetroitbureau.com\/wp-json\/wp\/v2\/users\/4389"}],"replies":[{"embeddable":true,"href":"https:\/\/thedetroitbureau.com\/wp-json\/wp\/v2\/comments?post=104505"}],"version-history":[{"count":0,"href":"https:\/\/thedetroitbureau.com\/wp-json\/wp\/v2\/posts\/104505\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thedetroitbureau.com\/wp-json\/wp\/v2\/media\/80971"}],"wp:attachment":[{"href":"https:\/\/thedetroitbureau.com\/wp-json\/wp\/v2\/media?parent=104505"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thedetroitbureau.com\/wp-json\/wp\/v2\/categories?post=104505"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thedetroitbureau.com\/wp-json\/wp\/v2\/tags?post=104505"},{"taxonomy":"make","embeddable":true,"href":"https:\/\/thedetroitbureau.com\/wp-json\/wp\/v2\/make?post=104505"},{"taxonomy":"post-state","embeddable":true,"href":"https:\/\/thedetroitbureau.com\/wp-json\/wp\/v2\/post-state?post=104505"},{"taxonomy":"category_old","embeddable":true,"href":"https:\/\/thedetroitbureau.com\/wp-json\/wp\/v2\/category_old?post=104505"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}