But unlike other states, which require drivers to carry only a limited amount of PIP coverage, Michigan's no-fault auto insurance policies guarantee unlimited medical benefits. Insurers pay medical claims up to $530,000, and the nonprofit Michigan Catastrophic Claim Association covers medical costs exceeding that threshold. Car owners must pay an annual assessment to the association, currently $186 per vehicle. The fee is not included in the Insure.com premium study, yet Michigan still ranks as the most expensive state.Some people simply can't afford the premiums, says Jeremy MacDonald, immediate past president of the Michigan Association of Professional Insurance Agents and president of the Mid-Michigan Agency in Alma.
Car insurance rates by state, 2015 edition
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