Out of all the states I've lived in Michigan has had the worst insurance rates so far. I've been driving for almost ten years now and for someone in their midtwenties insurance should have gone down by now, especially with a safe driving record like mine. Never have I gotten in any accidents, issued any tickets, or have gotten points of any kind on my license. Yet when I moved here my insurance rates tripled. Now I have to pay almost $400 a month to have my vehicle insured. It's not even like I'm driving what would be seen as a higher risk vehicle like a sports car, just a regular Ford Fusion. At that price my car insurance is almost a rental payment, which is ridiculous. And adding insult to injury we are expected to drive on some of the worst roads in the country.