$3,225
$1,644
$269
#7 / 51+20% vs US $2,678

Michigan's no-fault system historically included unlimited lifetime PIP medical benefits. The 2019 reform helped, but Michigan remains a top-five outlier, and Detroit adds theft and uninsured-driver costs.

#
4District of Columbia$3,708$2,580
5Nevada$3,566$1,872
6Colorado$3,233$1,236
9New Jersey$3,061$2,136
10Maryland$2,966$2,400
11Rhode Island$2,959$2,184