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What's up with Michigan? The average annual cost for an auto insurance policy in the state is an astounding 136 percent above the national average.

According to InsuranceQuotes.com, a couple of factors are involved.

"Michigan is the only state where car insurance includes unlimited lifetime personal injury protection, so that's a major reason why car insurance is so expensive in Michigan, " Laura Adams, the company's senior analyst, said in a press statement.

"Since younger people are injured more frequently in auto accidents than older drivers, the cost of covering a lifetime of medical expenses could easily climb into the millions-of-dollars range, " added Lori Conarton, communications director for the Insurance Institute of Michigan.

Another issue is the unusually high number of Michigan drivers without insurance. InsuranceQuotes.com said some estimates say around half of the drivers in Wayne County, where Detroit is located, don't have auto insurance. No surprise, then, that coverage in Wayne County costs 45 percent more than Michigan's statewide average.

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