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Auto insurance premiums averaged $980.32 in Michigan in 2010, representing a change of 3.20 percent from the previous year when rates averaged $949.76. The 2010 figures indicate that liability coverage averaged $488.18, collision averaged $465.34, and comprehensive averaged $174.64. There were 9 states that had higher average premiums and 40 with lower premiums. In 2010 there were 9 states with higher rates than Michigan. Taking a look at a longer trend, premiums for car insurance in 2000 averaged $701.80 and in 2008, $735.12. In the year 2008, 15 states had higher premiums.
Factors Affecting Insurance Costs
|Speed Limit in Cities||65|
|Speed Limit On Highways||70|
|Blood Alcohol Percentage Limit||0.085|
|Open Container Law||Both the driver and passenger of vehicles are prohibited from posessing open alcohol|
|Handheld Cell Phones||Handheld cell phone usage while driving varies according to laws of local jurisdictions.|
|Cell Usage By Driver||There is no state wide ban on all cell phones by drivers.|
|License Suspension on DUI||There is no automatic suspension of license on a first offense for DUI - DWI.|
|Restoration Available After DUI||No Information Available|
Auto Insurance Premium Data
|2010 Average Premium||$980.32|
|2010 Average Premium||$949.76|
|2009-2010 % Change||3.20%|
|2010 Collission Cost||$465.34|
|2010 Liability Cost||$488.18|
|2010 Comprehensive Cost||$174.64|
|2010 Premium Rank||10|
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