Affordable Coverage in the Heartland
(Includes: Illinois, Ohio, Michigan, Indiana, Wisconsin)
Regional Considerations
Michigan’s No-Fault System
Michigan historically has had some of the highest insurance rates due to its unique no-fault laws.
Rural vs. Urban
Cities like Chicago have higher premiums than rural Illinois or Wisconsin.
Snow & Ice Claims
Winters can lead to more accidents and comprehensive claims.
Average Monthly Rates (Estimate)
|
State
|
Avg Monthly Premium
|
|---|---|
| Illinois | $110 – $160 |
| Ohio | $95 – $140 |
| Michigan | $160 – $260 |
| Indiana | $95 – $145 |
| Wisconsin | $90 – $135 |
How to Save
- ✅ Compare coverage options annually
- ✅ Increase deductibles if you rarely claim
- ✅ Take a defensive driving course