[xoxoxoBruce]

Automobile insurance ain't cheap, doubt it will get cheaper either.
I understand rates are set on population density, competition in the area, and the percentage of uninsured drivers. Then of course your personal stats determine which of the rates you qualify for.
Michigan is #1 and likely to continue to be, because the have state law making a unique personal injury policy mandatory. Any driver, passenger, or pedestrian injured in an automobile accident has the related medical expenses covered for life.