Months after Michigan’s new auto insurance laws went into effect, average car insurance rates have decreased substantially — but it’s still one of the most expensive places to insure a car, a new analysis found.
The Zebra, a national auto insurance comparison site, calculated average costs of purchasing car insurance in zip codes around the country using publicly available rate data between September and December 2020 for its 2021 State of Auto Insurance report.
The analysis found Michigan’s car insurance rates dropped 18% statewide and 19% in Detroit, where drivers have historically paid some of the highest auto insurance costs in the country. Michigan’s statewide average — $2,535 per year — still clocked in far higher than the national average of $1,483 per year, and with an average of $5,072 per year, Detroit still posted the highest average car insurance rates in the U.S.
The average annual rate for