Detroit drivers pay an average of $289 a month for car insurance. That is not a typo.
Ann Arbor — 45 miles away, same state, same insurance laws — averages $122 a month.
Michigan has been living with this kind of disparity for decades. The state’s auto insurance system, built around a no-fault structure designed to protect accident victims, became something else over time. Expensive. Complicated. And, for many Michigan drivers, deeply frustrating when claims get denied and there is nothing they can legally do about it…