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Auto insurance rates in Michigan declined in 2020, still highest in country

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A national auto insurance study shows that rates in Michigan declined more than in any other state in 2020. Nationally, rates decreased by four percent while in Michigan they dropped by 18 percent.

Nicole Beck is an insurance agent and spokesperson for “The Zebra” – the insurance comparison site that conducted the study. She says Michigan legislation that went into effect in July impacted the cost of insurance.  

“So now Michigan residents are not as required to have quite as much insurance. And so when you don't have as much insurance, it's generally cheaper for your policy.”  

The law allows drivers with health insurance to opt out of paying for medical coverage on their car insurance bill. Despite the price drop, the study found Michigan still has the highest insurance rates in the country.