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Michigan has always had high costs for auto insurance, but we’re no longer No. 1 on that tally. According to the latest rankings out of Insure.com, we have fallen on the list of the most expensive states for auto insurance, which is a good thing, of course.

In its annual report on car insurance rates by state, Insure.com now has Michigan ranked No. 4 in the nation. The states ahead of us include Florida, Louisiana, and Delaware. This is a better showing than last year, and we went from No. 2 to 4. The decline in the cost of Michigan’s auto insurance is thanks to to the 2019 bi-partisan auto no fault reform. The average annual premium in Michigan, according to the study, is $2,133. In comparison, the state with the most expensive auto insurance, Florida, has an annual premium of $2,560.

“Michigan uses a unique no-fault system that has resulted in sky-high rates for years. Recent changes to their system are responsible for their drop to fourth place this year,” the report states.

“Michigan once had a broken, outdated and expensive auto no-fault system. Bipartisan auto no-fault reforms have cracked down on fraud, reined in overcharging by medical providers and have provided consumers a choice – all while continuing medically necessary care and offering the highest personal injury protection coverage in the nation,” Erin McDonough, executive director of the Insurance Alliance of Michigan. said in a press release. “This past spring, more than 7 million Michigan drivers received $400 per-vehicle refunds. This was the biggest refund in state history, estimated at more than $3 billion. Allowing the reforms the opportunity to continue to work is providing the benefits we are seeing in this new report.”

Fee reductions by the Michigan Catastrophic Claims Association in 2020 and 2021 totaled more than $1 billion per year. Find the full list of rankings of states with the highest cost of auto insurance here.

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Anne Erickson's love for music drew her into radio, and she started shortly after graduating from MSU. She has a passion for rock and metal, plus local music. She also fronts the band Upon Wings. Email Anne at erickson@WRIF.com, follow her on Instagram at @EricksonAnne and tweet at her @AnneErickson!