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Legislative Committee Launches Website To Get Input On Auto Insurance Reform

Michigan has the highest average rates in the country.

February 20, 2019 - 6:27 pm

LANSING, Mich. (WWJ) -- A legislative committee in Michigan's capitol is exploring ways to reform auto insurance for Michiganders, who pay the highest average rates of any state in the country.

Rep. Jason Wentworth of Farwell says the Select Committee on Reducing Car Insurance Rates has set up a new website -- -- to allow Michiganders to tell their stories and share possible solutions for lower rates.

Wentworth, on Wednesday encouraged residents to let their voices be heard, in order to find the balance between excess and necessity when it comes to auto insurance.

“What some people call fraud and excess, some people call necessity," Wentworth said. "There needs to be some means to rein this in, but it’s not an easy path to walk down to try and figure out how to navigate that.”

The website highlights Michigan's high rates, which are about $2,400 per year on average -- nearly $1,000 above the national average and more than double the rates of neighboring states Ohio, Indiana and Wisconsin.

Michigan is the only state in the nation that requires seniors to buy duplicative coverage, costing them between $600 and $1,000 annually, according to the website.

Michigan has one of the highest uninsured driver rates in the country, with more than 20 percent of drivers "driving dirty." The website says that adds to costs for everyone.

Citizens Research Council President Eric Lupher says there are a number of options for reform, including going back to a tort system or creating a choice system.  

The Committee took no action on Wednesday, but hopes the new website will generate discussion from Michigan motorists.