Detroit isn’t alone. Car insurance sky-high throughout Michigan, data show

All 900-plus ZIP Codes in Michigan have higher auto insurance rates than the average insurance rate nationwide, according to a new analysis.

May 24, 2019: Bipartisan Michigan auto insurance deal reached between Whitmer, GOP

Think about this: If Michigan Gov. Gretchen Whitmer and the Legislature make radical changes to car insurance, every motorist in the state could save hundreds if not thousands of dollars a year.

Yes, thousands.

Michigan not only has the highest average rates for car insurance, $2,693, but premiums in all 900-plus ZIP Codes in the state are considerably higher than the national average of $1,470 per year, according to data from The Zebra, a for-profit search engine, reviewed by Bridge Magazine.

Michigan’s unique blend of no-fault coverage and unlimited benefits –  no state offers both – has made state premiums tops in the nation for at least five years.

That’s spurred calls for auto insurance reform that intensified this week when Whitmer, a Democrat, called for an audit of the Michigan Catastrophic Claims Association, a private-public group that covers medical care for victims after costs exceed $550,000. The group announced a plan to raise the annual per-vehicle annual fee by $28 to $220 to cover rising costs.

“I've not spoken to a group that doesn’t want to see change,” said state Rep. Jason Wentworth, R-Clare, who is heading the committee charged with reform. “They’re no longer requesting we do something, they’re demanding it.”

Michigan car insurance highest in nation

From the Upper Peninsula to Detroit to Kalamazoo and Alpena, the average premium for car insurance in Michigan is well above the national average of $1,470. Search for your ZIP Code by entering it in the box below. Note: Not every ZIP is in the database. But if you enter first three or four numbers of your ZIP, you can see the cost of those closest to your own.

 

ZIP codeAvg. premiumAs percent of state avg. ($2,693)*
48205$6,282134.8%
48227$6,196131.5%
48213$6,155130%
48224$6,125128.9%
48214$6,112128.4%
48201$5,969123%
48228$5,964122.8%
48206$5,953122.4%
48204$5,882119.8%
48215$5,882119.8%
48238$5,812117.1%
48234$5,730114%
48210$5,693112.7%
48208$5,689112.5%
48202$5,673111.9%
48235$5,654111.2%
48211$5,641110.7%
48216$5,625110.1%
48207$5,585108.6%
48221$5,547107.2%
48212$5,544107.1%
48203$5,506105.6%
48219$5,481104.7%
48226$5,386101.1%
48209$5,34299.5%
48223$5,25096%
48126$5,23395.4%
48120$5,05088.5%
48217$4,71976.1%
48075$4,65873.8%
48239$4,43665.5%
48243$4,34762.1%
48237$4,32561.3%
48034$4,27259.3%
48233$4,22957.7%
48127$4,22357.5%
48225$4,13654.2%
48141$4,12753.8%
48089$4,04450.7%
48091$4,02750.1%
48218$4,01749.7%
48033$4,01349.6%
48342$3,93146.5%
48076$3,92146.1%
48502$3,90745.6%
48030$3,89545.1%
48242$3,88144.6%
48021$3,87644.4%
48505$3,87544.4%
48230$3,86744.1%
48122$3,84743.3%
48229$3,83142.7%
48504$3,81542.1%
48174$3,68337.2%
48503$3,61934.8%
48340$3,59133.7%
48236$3,56832.9%
48341$3,54231.9%
48532$3,54231.9%
48128$3,51730.9%
48180$3,47729.4%
48015$3,47329.3%
48124$3,46228.9%
48220$3,45828.7%
48310$3,45328.5%
49877$3,43928%
48092$3,41527.1%
48507$3,38425.9%
48458$3,36825.3%
48164$3,32423.7%
48125$3,32123.6%
48315$3,31323.3%
48135$3,30623%
48312$3,30623%
48185$3,29922.8%
48043$3,28922.4%
48066$3,27721.9%
48314$3,27221.7%
48313$3,26021.3%
48320$3,25821.2%
48093$3,22419.9%
48111$3,21019.4%
48191$3,19318.8%
48302$3,19218.7%
48146$3,18918.6%
48317$3,18818.6%
48506$3,18218.4%
48026$3,17518.1%
48437$3,16717.8%
48070$3,15717.4%
48334$3,15317.3%
48025$3,12616.3%
48083$3,09215%
48184$3,08314.6%
48082$3,07414.3%
48175$3,07314.3%
48331$3,04513.2%
48195$3,04113.1%
48080$3,02812.6%
48101$3,02812.6%
48048$3,02212.4%
48186$3,02112.3%
48462$3,00611.8%
48088$2,99611.4%
48047$2,99311.3%
48324$2,97610.6%
48069$2,96710.3%
48081$2,96710.3%
48190$2,96710.3%
48336$2,96510.2%
48442$2,96410.2%
48304$2,9519.7%
48006$2,9499.6%
48097$2,9318.9%
48027$2,9308.9%
48071$2,9248.7%
48601$2,8927.5%
48529$2,8887.3%
48192$2,8867.2%
48134$2,8817.1%
48023$2,8807%
48032$2,8746.8%
48450$2,8656.5%
48005$2,8646.4%
48065$2,8646.4%
48366$2,8636.4%
48183$2,8626.3%
48377$2,8606.3%
48401$2,8596.2%
48152$2,8566.1%
48002$2,8536%
48422$2,8495.9%
49309$2,8495.9%
48519$2,8485.8%
48167$2,8455.7%
49304$2,8455.7%
49332$2,8395.5%
48004$2,8385.4%
48370$2,8375.4%
48367$2,8355.3%
48607$2,8355.3%
48335$2,8305.1%
48028$2,8265%
48326$2,8244.9%
48306$2,8234.9%
49656$2,8184.7%
48309$2,8174.7%
48049$2,8164.6%
48766$2,8144.5%
48014$2,8114.4%
49655$2,8114.4%
48098$2,8104.4%
48439$2,8104.4%
48173$2,8054.2%
48198$2,8054.2%
48469$2,8034.1%
49263$2,8034.1%
49644$2,7994%
48387$2,7983.9%
48419$2,7963.9%
49642$2,7963.9%
48509$2,7953.8%
48749$2,7903.6%
49312$2,7903.6%
48001$2,7853.5%
48466$2,7853.5%
48085$2,7843.4%
48760$2,7843.4%
48177$2,7813.3%
48154$2,7793.2%
48062$2,7763.1%
49270$2,7763.1%
48003$2,7702.9%
48150$2,7702.9%
48197$2,7672.8%
48850$2,7672.8%
48454$2,7662.7%
48117$2,7622.6%
48464$2,7622.6%
48307$2,7602.5%
48110$2,7592.5%
48179$2,7582.4%
48727$2,7582.4%
48480$2,7572.4%
48166$2,7562.4%
48453$2,7512.2%
48039$2,7502.1%
48390$2,7492.1%
48812$2,7492.1%
48420$2,7482.1%
49342$2,7472%
48157$2,7462%
48703$2,7452%
48758$2,7452%
49307$2,7452%
48041$2,7441.9%
49326$2,7441.9%
48193$2,7421.8%
49305$2,7411.8%
48161$2,7401.8%
48374$2,7401.8%
48084$2,7391.7%
49677$2,7381.7%
48652$2,7371.7%
48144$2,7321.5%
48330$2,7321.5%
48060$2,7311.4%
48375$2,7311.4%
48418$2,7311.4%
49322$2,7311.4%
49347$2,7281.3%
48434$2,7261.2%
48770$2,7261.2%
48159$2,7251.2%
48882$2,7251.2%
49679$2,7251.2%
48610$2,7231.1%
48074$2,7201%
48461$2,7201%
48723$2,7191%
49688$2,7191%
49346$2,7180.9%
48748$2,7170.9%
48463$2,7150.8%
48744$2,7150.8%
48756$2,7140.8%
49337$2,7120.7%
48412$2,7110.7%
48456$2,7110.7%
48067$2,7080.6%
48468$2,7080.6%
48886$2,7080.6%
48888$2,7060.5%
48162$2,7040.4%
48720$2,7030.4%
48426$2,7010.3%
48416$2,6990.2%
48131$2,6980.2%
48834$2,6980.2%
48884$2,6980.2%
49459$2,6950.1%
48427$2,6940%
48624$2,6940%
48472$2,6930%
48658$2,6930%
48602$2,6920%
48915$2,6920%
48455$2,691-0.1%
49104$2,691-0.1%
48137$2,690-0.1%
48435$2,687-0.2%
48729$2,686-0.3%
49336$2,686-0.3%
48465$2,685-0.3%
48475$2,685-0.3%
48829$2,684-0.3%
48371$2,683-0.4%
48444$2,683-0.4%
49631$2,683-0.4%
48746$2,681-0.5%
48731$2,680-0.5%
49239$2,679-0.5%
48143$2,677-0.6%
48471$2,677-0.6%
48763$2,677-0.6%
49651$2,677-0.6%
49329$2,675-0.7%
48178$2,674-0.7%
48906$2,673-0.8%
48754$2,672-0.8%
48421$2,671-0.8%
48725$2,671-0.8%
48632$2,670-0.9%
48182$2,669-0.9%
49674$2,669-0.9%
48852$2,668-0.9%
48446$2,666-1%
48659$2,666-1%
48735$2,666-1%
48432$2,664-1.1%
48768$2,663-1.1%
48445$2,661-1.2%
48811$2,661-1.2%
48441$2,660-1.2%
48393$2,658-1.3%
49320$2,657-1.4%
49717$2,657-1.4%
49761$2,657-1.4%
49343$2,656-1.4%
48350$2,655-1.4%
48759$2,655-1.4%
49797$2,655-1.4%
49610$2,654-1.5%
49668$2,653-1.5%
48430$2,652-1.5%
48470$2,651-1.6%
49625$2,651-1.6%
49638$2,651-1.6%
48165$2,650-1.6%
49628$2,649-1.7%
48438$2,646-1.8%
49646$2,644-1.8%
48116$2,642-1.9%
48755$2,642-1.9%
49759$2,642-1.9%
48413$2,637-2.1%
48169$2,636-2.1%
48451$2,636-2.1%
48654$2,636-2.1%
48726$2,634-2.2%
48767$2,632-2.3%
48381$2,631-2.3%
49058$2,629-2.4%
48891$2,627-2.5%
49325$2,626-2.5%
49676$2,625-2.6%
48414$2,624-2.6%
49027$2,623-2.6%
49689$2,623-2.6%
48733$2,620-2.7%
48625$2,618-2.8%
48838$2,618-2.8%
49634$2,616-2.9%
48757$2,615-2.9%
49267$2,615-2.9%
49285$2,614-3%
48933$2,610-3.1%
48009$2,608-3.2%
48362$2,608-3.2%
49612$2,607-3.2%
48348$2,606-3.3%
48476$2,606-3.3%
48429$2,604-3.3%
48449$2,604-3.3%
49096$2,602-3.4%
48613$2,598-3.6%
49683$2,598-3.6%
48612$2,597-3.6%
48649$2,597-3.6%
48722$2,597-3.6%
49258$2,597-3.6%
49421$2,597-3.6%
49064$2,594-3.7%
49050$2,593-3.8%
49063$2,592-3.8%
49792$2,590-3.9%
48017$2,589-3.9%
49035$2,589-3.9%
48072$2,588-3.9%
48710$2,588-3.9%
49442$2,587-4%
49440$2,586-4%
49765$2,585-4.1%
48870$2,584-4.1%
48747$2,583-4.1%
48911$2,582-4.2%
49046$2,582-4.2%
49349$2,582-4.2%
48130$2,581-4.2%
49045$2,581-4.2%
48346$2,579-4.3%
48836$2,578-4.3%
48433$2,577-4.4%
48170$2,575-4.4%
48848$2,575-4.4%
49056$2,573-4.5%
49617$2,572-4.5%
48739$2,571-4.6%
49626$2,568-4.7%
49444$2,567-4.7%
48079$2,566-4.8%
49330$2,566-4.8%
48622$2,565-4.8%
49062$2,564-4.8%
49310$2,563-4.9%
49345$2,562-4.9%
49673$2,561-5%
49236$2,559-5%
49645$2,559-5%
49344$2,558-5.1%
48635$2,557-5.1%
49627$2,556-5.1%
49287$2,555-5.2%
49659$2,554-5.2%
49276$2,553-5.3%
49311$2,553-5.3%
49338$2,553-5.3%
49611$2,553-5.3%
49618$2,553-5.3%
48912$2,552-5.3%
49791$2,552-5.3%
48473$2,551-5.3%
48661$2,551-5.3%
48817$2,550-5.4%
49013$2,550-5.4%
49680$2,549-5.4%
48892$2,548-5.4%
48724$2,547-5.5%
49067$2,547-5.5%
49303$2,546-5.5%
48633$2,545-5.6%
48849$2,544-5.6%
49282$2,544-5.6%
49060$2,543-5.6%
48417$2,542-5.7%
48457$2,542-5.7%
48830$2,541-5.7%
49412$2,541-5.7%
49333$2,539-5.8%
49663$2,539-5.8%
49319$2,538-5.8%
49738$2,538-5.8%
49249$2,537-5.9%
48845$2,535-5.9%
49065$2,533-6%
49751$2,533-6%
49705$2,531-6.1%
49878$2,531-6.1%
48887$2,530-6.1%
48730$2,529-6.2%
49286$2,529-6.2%
49451$2,528-6.2%
49094$2,527-6.2%
48160$2,524-6.3%
49238$2,524-6.3%
48634$2,523-6.4%
49795$2,523-6.4%
49799$2,523-6.4%
49250$2,522-6.4%
48189$2,521-6.5%
48881$2,521-6.5%
49622$2,521-6.5%
49615$2,520-6.5%
48825$2,519-6.5%
48655$2,518-6.6%
49317$2,518-6.6%
49441$2,518-6.6%
48841$2,517-6.6%
48158$2,516-6.6%
49416$2,516-6.6%
49436$2,516-6.6%
49632$2,515-6.7%
49230$2,513-6.8%
49863$2,513-6.8%
48750$2,512-6.8%
49228$2,512-6.8%
48415$2,511-6.8%
48460$2,510-6.9%
48617$2,510-6.9%
49073$2,510-6.9%
49233$2,510-6.9%
49507$2,510-6.9%
49284$2,508-6.9%
49289$2,506-7%
48815$2,505-7.1%
49667$2,505-7.1%
49737$2,505-7.1%
48857$2,504-7.1%
49242$2,504-7.1%
49410$2,504-7.1%
49872$2,504-7.1%
49873$2,504-7.1%
48819$2,503-7.1%
48860$2,503-7.1%
49051$2,503-7.1%
49229$2,503-7.1%
48073$2,502-7.2%
48859$2,501-7.2%
49764$2,501-7.2%
48040$2,499-7.3%
48809$2,499-7.3%
49262$2,499-7.3%
49020$2,498-7.3%
49340$2,497-7.4%
49735$2,497-7.4%
49749$2,496-7.4%
48872$2,494-7.5%
49251$2,494-7.5%
48708$2,493-7.5%
49252$2,493-7.5%
49259$2,493-7.5%
49452$2,493-7.5%
49796$2,493-7.5%
49723$2,491-7.6%
49619$2,490-7.6%
49245$2,489-7.7%
49508$2,489-7.7%
49711$2,489-7.7%
49847$2,489-7.7%
49031$2,488-7.7%
49036$2,488-7.7%
49458$2,488-7.7%
48874$2,486-7.8%
49241$2,486-7.8%
49620$2,486-7.8%
49727$2,485-7.8%
48861$2,484-7.8%
48910$2,483-7.9%
49405$2,482-7.9%
49701$2,482-7.9%
49729$2,482-7.9%
48761$2,480-8%
49014$2,480-8%
49892$2,480-8%
49446$2,479-8%
49690$2,479-8%
49696$2,478-8.1%
49255$2,477-8.1%
49721$2,477-8.1%
48423$2,476-8.1%
48846$2,475-8.2%
49753$2,475-8.2%
49821$2,475-8.2%
48619$2,474-8.2%
49812$2,474-8.2%
49818$2,474-8.2%
49457$2,473-8.3%
48762$2,472-8.3%
49402$2,472-8.3%
48743$2,471-8.3%
49103$2,471-8.3%
49601$2,471-8.3%
49240$2,470-8.4%
49454$2,470-8.4%
49449$2,469-8.4%
48604$2,468-8.4%
48843$2,467-8.5%
49896$2,466-8.5%
49093$2,465-8.6%
49420$2,463-8.6%
49011$2,462-8.7%
49017$2,461-8.7%
49880$2,461-8.7%
48705$2,460-8.7%
49047$2,460-8.7%
49224$2,458-8.8%
49455$2,458-8.8%
49112$2,457-8.9%
49747$2,457-8.9%
48734$2,456-8.9%
49713$2,456-8.9%
49769$2,455-8.9%
49755$2,454-9%
48621$2,453-9%
49090$2,453-9%
49266$2,453-9%
48609$2,452-9%
49706$2,451-9.1%
49716$2,451-9.1%
49057$2,450-9.1%
49744$2,450-9.1%
49835$2,450-9.1%
49657$2,449-9.2%
49037$2,448-9.2%
49076$2,447-9.2%
48118$2,445-9.3%
49874$2,445-9.3%
49130$2,444-9.4%
49887$2,444-9.4%
49253$2,443-9.4%
49648$2,443-9.4%
48647$2,442-9.4%
49061$2,441-9.5%
49220$2,441-9.5%
49740$2,441-9.5%
49095$2,440-9.5%
49837$2,440-9.5%
49040$2,438-9.6%
49730$2,438-9.6%
48176$2,437-9.6%
49894$2,435-9.7%
49055$2,434-9.7%
49246$2,433-9.8%
49415$2,433-9.8%
48742$2,432-9.8%
48827$2,432-9.8%
49072$2,432-9.8%
48636$2,431-9.8%
49272$2,430-9.9%
49007$2,429-9.9%
49512$2,428-10%
49635$2,428-10%
49862$2,428-10%
49629$2,427-10%
48867$2,426-10%
49113$2,425-10.1%
49712$2,424-10.1%
49829$2,423-10.1%
48630$2,422-10.2%
48732$2,422-10.2%
49092$2,422-10.2%
49288$2,422-10.2%
49649$2,421-10.2%
48616$2,420-10.3%
49042$2,419-10.3%
49848$2,418-10.3%
49782$2,417-10.4%
48637$2,415-10.4%
49022$2,415-10.4%
49265$2,415-10.4%
49886$2,415-10.4%
49640$2,414-10.5%
49129$2,413-10.5%
49028$2,412-10.6%
49097$2,412-10.6%
48831$2,411-10.6%
49115$2,411-10.6%
49279$2,411-10.6%
49403$2,411-10.6%
49430$2,411-10.6%
49720$2,411-10.6%
49766$2,411-10.6%
49816$2,411-10.6%
48824$2,410-10.6%
49431$2,410-10.6%
48627$2,409-10.7%
48835$2,409-10.7%
49038$2,409-10.7%
49079$2,406-10.8%
49119$2,406-10.8%
49314$2,406-10.8%
48807$2,405-10.8%
49348$2,405-10.8%
49039$2,404-10.9%
49903$2,404-10.9%
49445$2,403-10.9%
48876$2,402-10.9%
49437$2,402-10.9%
48893$2,401-11%
49248$2,401-11%
49902$2,401-11%
49653$2,400-11%
49685$2,400-11%
49088$2,399-11%
49234$2,399-11%
49256$2,399-11%
49247$2,398-11.1%
49052$2,397-11.1%
49534$2,397-11.1%
49650$2,395-11.2%
49034$2,393-11.3%
49111$2,393-11.3%
49408$2,393-11.3%
49120$2,392-11.3%
49893$2,392-11.3%
49503$2,390-11.4%
49726$2,390-11.4%
48854$2,388-11.5%
49461$2,387-11.5%
49071$2,385-11.6%
49074$2,385-11.6%
49839$2,385-11.6%
49030$2,384-11.6%
48653$2,383-11.6%
49419$2,383-11.6%
49463$2,383-11.6%
48896$2,382-11.7%
49102$2,382-11.7%
49335$2,382-11.7%
49915$2,382-11.7%
49920$2,382-11.7%
48618$2,381-11.7%
49048$2,381-11.7%
49302$2,381-11.7%
48832$2,380-11.8%
49664$2,380-11.8%
48875$2,379-11.8%
48877$2,379-11.8%
49331$2,379-11.8%
48626$2,378-11.8%
48813$2,378-11.8%
49770$2,376-11.9%
49221$2,375-11.9%
49406$2,374-12%
49891$2,373-12%
49935$2,373-12%
48105$2,372-12.1%
49009$2,371-12.1%
49004$2,370-12.1%
49277$2,370-12.1%
48847$2,369-12.2%
49958$2,369-12.2%
49128$2,368-12.2%
49917$2,368-12.2%
49670$2,367-12.2%
49707$2,366-12.3%
48873$2,364-12.4%
48880$2,364-12.4%
49852$2,364-12.4%
48629$2,363-12.4%
49091$2,363-12.4%
49235$2,363-12.4%
49321$2,363-12.4%
48615$2,360-12.5%
48871$2,360-12.5%
48856$2,359-12.5%
48611$2,358-12.6%
49806$2,358-12.6%
49895$2,357-12.6%
48889$2,356-12.7%
49819$2,356-12.7%
49725$2,355-12.7%
48728$2,354-12.7%
48656$2,353-12.8%
49125$2,349-12.9%
49107$2,348-13%
49525$2,348-13%
49777$2,348-13%
48858$2,347-13%
49779$2,347-13%
49117$2,346-13%
48721$2,345-13.1%
48917$2,345-13.1%
49884$2,345-13.1%
48651$2,344-13.1%
48866$2,344-13.1%
49858$2,344-13.1%
49519$2,343-13.1%
48745$2,342-13.2%
49006$2,342-13.2%
49509$2,342-13.2%
49745$2,340-13.3%
49918$2,340-13.3%
48801$2,339-13.3%
48895$2,338-13.3%
49927$2,337-13.4%
48103$2,336-13.4%
48878$2,336-13.4%
49116$2,336-13.4%
49448$2,336-13.4%
49505$2,336-13.4%
49815$2,336-13.4%
49955$2,336-13.4%
49962$2,336-13.4%
48806$2,335-13.4%
48842$2,335-13.4%
49283$2,335-13.4%
49341$2,334-13.5%
49621$2,334-13.5%
49934$2,333-13.5%
48737$2,331-13.6%
49743$2,331-13.6%
49660$2,329-13.7%
49908$2,329-13.7%
49961$2,328-13.7%
49960$2,326-13.8%
49032$2,325-13.8%
49098$2,325-13.8%
49306$2,325-13.8%
49015$2,324-13.9%
49709$2,324-13.9%
49946$2,322-13.9%
49901$2,321-14%
49748$2,319-14%
49012$2,317-14.1%
49686$2,317-14.1%
49950$2,315-14.2%
49817$2,314-14.2%
49854$2,314-14.2%
49033$2,312-14.3%
49775$2,312-14.3%
48924$2,311-14.3%
49008$2,311-14.3%
49106$2,310-14.4%
49548$2,308-14.5%
49921$2,307-14.5%
48840$2,306-14.5%
49922$2,306-14.5%
49001$2,304-14.6%
49793$2,304-14.6%
49919$2,303-14.6%
49959$2,303-14.6%
49637$2,302-14.7%
49827$2,302-14.7%
49840$2,302-14.7%
49643$2,301-14.7%
49736$2,301-14.7%
49822$2,301-14.7%
49831$2,301-14.7%
49834$2,300-14.8%
49301$2,299-14.8%
49948$2,299-14.8%
48706$2,297-14.9%
49450$2,297-14.9%
49504$2,297-14.9%
48879$2,296-14.9%
49963$2,295-14.9%
49820$2,293-15%
48883$2,292-15.1%
49080$2,292-15.1%
49684$2,292-15.1%
49912$2,291-15.1%
49788$2,290-15.1%
49756$2,286-15.3%
49970$2,286-15.3%
49967$2,285-15.3%
48853$2,284-15.4%
49087$2,283-15.4%
49715$2,283-15.4%
49728$2,283-15.4%
49805$2,283-15.4%
49826$2,283-15.4%
49836$2,283-15.4%
49768$2,282-15.4%
49868$2,282-15.4%
48823$2,280-15.5%
49865$2,280-15.5%
49945$2,279-15.5%
49710$2,278-15.6%
49965$2,278-15.6%
49053$2,277-15.6%
49876$2,277-15.6%
49883$2,277-15.6%
49938$2,277-15.6%
48864$2,274-15.7%
49010$2,274-15.7%
49203$2,274-15.7%
48623$2,273-15.8%
49838$2,273-15.8%
49853$2,273-15.8%
48821$2,268-16%
49434$2,268-16%
49913$2,267-16%
49968$2,267-16%
49911$2,266-16%
49719$2,265-16.1%
49762$2,265-16.1%
49905$2,265-16.1%
49760$2,260-16.3%
49942$2,260-16.3%
48108$2,259-16.3%
49825$2,259-16.3%
49506$2,257-16.4%
49931$2,257-16.4%
49254$2,255-16.4%
49085$2,254-16.5%
49871$2,254-16.5%
49870$2,253-16.5%
49808$2,250-16.6%
49464$2,249-16.7%
49783$2,249-16.7%
49925$2,247-16.7%
48657$2,244-16.9%
49930$2,242-16.9%
49068$2,241-17%
49781$2,241-17%
49435$2,240-17%
49953$2,240-17%
49757$2,239-17%
49404$2,236-17.2%
49952$2,236-17.2%
49802$2,235-17.2%
49024$2,234-17.2%
49002$2,231-17.3%
49801$2,230-17.4%
49418$2,228-17.5%
49423$2,227-17.5%
49424$2,227-17.5%
48820$2,222-17.7%
49315$2,219-17.8%
48837$2,213-18%
48894$2,213-18%
49428$2,213-18%
49971$2,200-18.5%
49401$2,199-18.6%
49861$2,199-18.6%
49078$2,197-18.6%
48104$2,196-18.7%
48808$2,195-18.7%
49202$2,193-18.8%
49426$2,193-18.8%
49460$2,187-19%
49546$2,187-19%
49814$2,185-19.1%
49910$2,175-19.5%
49456$2,168-19.7%
49201$2,167-19.8%
48109$2,163-19.9%
49841$2,161-20%
49849$2,159-20.1%
49127$2,157-20.1%
49866$2,155-20.2%
49833$2,150-20.4%
49544$2,145-20.6%
49417$2,143-20.7%
49855$2,137-20.9%
48642$2,134-21%
48640$2,112-21.8%

* Positive numbers are higher than state average, negative numbers are lower. ALL are higher than national average of $1,470 and well above the averages in neighboring Ohio, Indiana and Wisconsin.

Source: The Zebra, a for-profit insurance search-engine provider. See their 2019 report here.

The data from The Zebra, which was analyzed by Bridge, contradict oft-repeated claims that high insurance is simply a Detroit or southeast Michigan problem.

Make no mistake: Detroit’s rates are astronomical, averaging $5,464 per year, the highest in the nation.

But even the least expensive ZIP Code, 48649 in Midland, still pays an average of $2,112 per year.

That’s $642 and 43 percent higher than the national average. In the 48205 ZIP in northeast Detroit, the average bill is $6,282 –  more than four times higher than the national average. Detroit Mayor Mike Duggan has long pushed for reform and is challenging the current system in federal court.

‘It’s a big deal’

In western Michigan, Holland resident Chris Streling pays more than $7,000 a year to insure five vehicles for himself, his wife and two of their children, ages 19 and 23.

“It’s a big deal. When you spend almost $600 a month on insurance, it does take away from the economy in other ways. That money could be used somewhere else,” he said.

Streling lives in the 49423 ZIP Code, which according to Zebra has an average bill of $2,227, well below Michigan’s average but well above the national average.

He’s a salesman and former financial planner who says that, while his family can afford the payments, they’d be “crippling” for many other families.

That’s why GOP legislators have made auto insurance reform a priority. Senate Republicans launched a website this week asking residents what they’d do with the money if premium costs were slashed.

Whitmer and fellow Democrats are upset that insurers use non-driving factors like credit score and geography to set rates. They consider that redlining and have pushed bills to end the practice. 

Whitmer has said she wants to tackle reform. She has not offered specifics but she supports funding for an anti-fraud unit.

State Rep. Jason Sheppard, R-Temperance, said his annual bill is over $4,200 for the two vehicles he and his wife drive. He said he asked his insurance agent what his bill would be if he lived at his sister’s house in Ohio, just a few miles south of his Monroe County home: About $1,300 a year.

“So the question becomes, to my eyes, what is working there (Ohio) that makes it not a problem? I don’t hear the citizens of Ohio wanting Michigan’s insurance,” Sheppard said.

“If they’re doing it better and doing it cheaply why aren’t we going to that?”

Sheppard lives in the 48182 ZIP, where the average rate is $2,669, just a bit below the Michigan average but nearly $1,200 above the national average.

$20 billion in assets

Whitmer’s call for an audit of the catastrophic claims group highlights ongoing frustration about the agency, which is not subject to the state’s Freedom of Information Act.

The group’s  most recent annual financial report shows it had assets of nearly $20.6 billion last year.

But the 15 percent increase in the MCCA fee is not the driving force behind the state’s high rates. Instead it’s the unique-to-Michigan unlimited coverage for health care for injuries sustained in an accident.

Defenders of the state’s system have long touted those lifetime benefits as reasons to retain them: If you are critically injured, your recovery is covered in full. It is those benefits that have pushed the state’s rates so high. Far more than collision or theft costs, the amount set aside to cover personal injury protection (PIP) is half of insurance bills, Bridge analysis has found.

For AAA customers, for instance, PIP accounts for nearly 90 percent of base premiums –  no matter whether drivers live in Detroit or Kalkaska, according to company filings with the state.

One of the biggest proponents of the existing system has been Oakland County Executive L. Brooks Patterson, who was seriously injured in a 2012 car accident (but whose care is covered by worker’s compensation).

In 2013, Patterson said the extra cost was worth the added care. He put the extra amount at $22 over the national average: “In exchange for that slight nick when you buy your insurance, you get in return unlimited coverage."

In reality, the rates are far higher.

Average premiums of nearly $2,700 for a 30-year-old single man driving a 2014 Honda Accord, according to The Zebra, are 83 percent higher than the national average and well above Ohio ($1,032), Wisconsin ($1,070) and Indiana ($1,150).

Sheppard is calling for complete reform and eliminating no-fault, a practice adopted by Michigan in 1979 in which insurance companies of drivers involved in collisions cover accident costs regardless of which driver is at fault.

Wentworth, who was tapped to lead the House Select Committee on Reducing Car Insurance Rates, said he intends to bring all groups together –  health care providers, insurers, attorneys, citizens – to find solutions.

He said he’s aware lobbyists are poised to attack any proposed bill. But Wentworth said he hopes his committee can work to find solutions before crafting a piece of legislation. Helping push the effort forward, he said, is a recognition that, Detroit aside, rates are high everywhere.

“People are recognizing Michigan is No. 1 in the nation, and it’s deemed unaffordable,” he said.

Has this story impacted or informed you about Michigan? Please support our work.

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Comments

Kevin Grand
Fri, 03/29/2019 - 7:11am

Since the MCCA doesn't like to disclosed its numbers or how it arrived at them, it ought to be scrapped.

We've been ripped off for far too long to allow this to continue.

Susan Line
Fri, 03/29/2019 - 9:34am

Get rid of the MCCA and the unlimited lifetime coverage. I have attended a number of downfalls with my state representative and every meeting car insurance reform comes up. According to both Rep. Sabo and my research, the reason we cannot get any relief is because here in Michigan, the healthcare system and the big law firms have based their businesses and profits on being able to suck from a bottomless pit of non-regulated or supervised money provided by Michigan drivers. Time to stop!!!!!!

James Roberts
Fri, 03/29/2019 - 9:49am

The answer is obvious. Lets change the one entity, non government controlled, what a surprise, that has taken the prudent approach and actually tried to use actuaries to prefund future commitments to unlimited and never ending future health costs. I guess we can learn from all our government unfunded pension and health care liabilities to take the easy way out and kick the can down the road to our children. I'm sure the money will come from somewhere.

tom
Fri, 03/29/2019 - 10:10am

In the mean time lets raise the gas tax. We'll tackle No Fault later.

Kathe Cabot
Fri, 03/29/2019 - 11:05am

get rid of the PIP. I am so sick of paying such high premiuns. My husband and I are on fixed income and the insurance takes a big bite out of our money. Between social security sucking the blood out of seniors for part B is nuts. There is nothing left.

John S.
Fri, 03/29/2019 - 11:07am

Three parasites (insurance industry, hospitals and medical providers, lawyers) have left their host, Michigan vehicle owners, barely alive. Formally, rent seeking by these three groups has established a price floor above the market equilibrium price resulting in excessive supply and deadweight loss. Concentrated interests often win out in politics against diffuse interests. Perhaps Michigan legislators are immobilized by the small amounts of campaign money that they get from these three groups. Analysis of campaign contributions might show that.

Chuck Fellows
Fri, 03/29/2019 - 11:09am

The MCCA is the Canary in the coal mine. When the already egregious charges for medical, professional services, pharmaceutical and attendant care increase, the MCCA is revises the amount of reserves it is required to maintain for future catastrophic care expenditures.

FACT. Michigan's high premiums are due to weak public policy and law, not the MCCA. Runaway medical, professional services, attendant care , and pharmaceutical charges are the root cause of high premiums, fraud and abuse. Our elected representatives ignore this fact.

Independent studies and the state’s own fiscal agency affirm this. Testimony in the House and Senate described how fraud and abuse are incentivized by the sheer volume of money in the system. The uninsured are forced to be uninsured by outrageous insurance premiums.

Setting a fee schedule for these charges will reduce the insurers' liability and lower the MCCA’s fee. Robust monitoring is necessary to ensure that reduced costs benefit policy holders.

The unjustifiable practice of setting premiums based upon socioeconomic factors and credit scores must end.

Michigan's policy of "file in use" (immediate rate increase with no review) must become "prior approval" (rates reviewed prior to going into effect).

Insurance companies in Michigan must be subject to anti trust and FOIA. Having insurance is a mandate and should be treated as such.

Any proposal addressing this issue must clearly identify the premium reductions that will be provided to policyholders.

HB 4397 and SB 1 indicate that the legislature is unwilling to address the root cause of our high insurance premiums (Why?). Instead they propose repeal of no fault and/or different forms of “opt out” choices. Neither action will meaningfully reduce cost, shifting the burden to the public and enhancing private sector cash flow and opportunities to use the time value of money to increase profitability.

Another fact. In states with a high degree of regulation, controls on medical, professional services, pharmaceutical, attendant care and strong over site; insurance companies are more profitable and premiums are lower.

Matt
Mon, 04/01/2019 - 11:26am

"The unjustifiable practice of setting premiums based upon socioeconomic factors and credit scores must end."
How do you know this is is unjustifiable? Have you seen the stats for this? It doesn't seem too hard to believe that someone who has a bad credit history or say a high school dropout might also be a bad driving risk. For sure this person would be statistically more likely to drive with lapsed insurance. If stats support this is an extra risk would you say this practice should cease?

Gary
Fri, 03/29/2019 - 11:31am

I will welcome reduced auto insurance premiums. So, Oakland County Executive L. Brooks Patterson was a proponent of the existing system? Both that guy and his driver were not wearing seat belts when their car was hit by another car whose driver was also not wearing a seat belt. Mr. Patterson has been quoted as saying that his not wearing a seat belt was "pure carelessness" and "a mistake," but I have yet to see that he has ever admitted that doing so went against Michigan law. I do not respect such people, much less government employees. To insurance companies and Michigan Catastrophic Claims Association: Insurance coverage should be based upon seat belt use, not credit score or zip code!

Matt
Mon, 04/01/2019 - 11:56am

Speaking of not wearing seat belts ... Question, What percentage of the expenditures go out to motorcyclists verses the amount they put in compared to the same figures for auto drivers? May be mistaken but seems an awful lot of (disproportionately) people in long term rehab hospitals let alone those on permanent disability were from motorcycle accidents. Before telling me I'm nuts, please cite your evidence.
And again if zip code or credit scores are shown to be predictive of higher insurance claims (i assume you haven't seen this) , you are saying they should be disregarded? And by inference those with high scores and in low claim zip codes should pay more?

Gary
Sun, 05/12/2019 - 7:25am

I haven't researched, nor will I research motorcycle insurance expenditures. I wrongly used the word coverage rather than premium, intending to state that premiums are based on credit scores and geography. You'll need to answer your own questions, for I can not explain 'why' insurance companies do what they do, but might speculate that lower credit scores suggest that premiums may not always be paid on time.

Ruth
Fri, 03/29/2019 - 1:18pm

The "average" rates quoted are interesting. My husband and I insure two vehicles for $2400 a year. We have a $500 deductible for collision and a $100 deductible for comprehensive. They are not cheap vehicles to insure. One is a 2018 Chevy Traverse and the other is a 2005 Cadillac XLR (2 seat hardtop convertible) which is considered an expensive car to insure. I realize I'm in the minority here but as far as the MCCA, it's some of the cheapest health insurance you can buy. Also, when my husband's son moved to Florida, his quote from AAA of Florida was higher than what he paid for insurance through AAA of Michigan.

Matt
Fri, 03/29/2019 - 1:45pm

There's a lot of data that would be informative on this subject. What does the claims picture look like for the MCCA? Which locations, vehicles and drivers are accounting for the bulk of or disproportionate amount of the claims? Same for regular auto insurance. Is there a reason Detroit pays significantly more? Uninsured drivers, how do they contribute to the problem? Doesn't seem that Michigan has an over abundance of Insurance companies which you'd expect if the market was as crazy profitable as the rates would make it seem. Experience has been often this info is kept hidden because the public would go ballistic if they knew the truth and that would fit with the social agendas of those in power so they just keep things quiet.

Michelle Teklinski
Fri, 03/29/2019 - 2:24pm

Please read Chuck Fellows comments. He provided a logical and realistic picture of auto no fault. There is a great amount of fraud and abuse of the No-fault system

Aaron Fulton
Fri, 03/29/2019 - 2:29pm

In 1980 I was to transferred to the USCGC Mackinaw in Cheboygan Michigan my insurance was $267.00 for 6 Month for 2 vehicles in 1983 got married had 3 vehicles was $320.00 every than the Politicians in Detroit didn't like that Detroit was paying 5 time more for insurance because of the car theft in the Detroit and surrounding area around major cities so the came up with no fault and the people up north had to pay for Detroit high cost of car theft.

Craig
Thu, 04/04/2019 - 12:25pm

Your real close on this one. Hopefully they will let my reply be published.

Craig
Thu, 04/04/2019 - 12:22pm

As a former Allstate agent I will let you know this. In 1997 we had a large increase in Alpena. The reason was how they decided to adjust rates. In the high crime areas Detroit, Flint, etc.. They were planning a rather large increase. The rate should basically work as an epicenter, then as you move farther from the highest insurance rate the rates should subside. Well due to a large number of agents that had a large number of insureds in these areas the agents were screaming racial bias. So instead of raising rates the proper way at the root cause Allstate decided to stratisfy the rate. Meaning they went from the top of the state Alpena area All the way down to the state like at the Ohio boarder and raised all the rates. So people in small towns up north would get a jump in their rate and people in the high crime area their rates actually went down. Of course they blamed it on car deer damage but the evidence and proof were not there. What was there was a crooked Mayor of Detroit lining his own pockets using the race card and slowly going across the state a third section at a time costing the people and agents of northern michigan. Look at the the amount of Allstate agents that they had in 1998 and look now. Look at the rates year by year within Allstate and you can see how they stratified the state, ruined business stole from the people in the north to offset the high crime areas in the south and padded the Mayor of Detroit's pocket

Drop your insurance
Thu, 05/02/2019 - 1:10pm

No. Detroit is alone. That's $7000 on 5 vehicles in Holland. $7000.00 will get you 2 cars insured every 6 months.
The prices are so high I drive without it. I encourage everyone to drop their auto insurance.