If you drive a car in Michigan, you’ve been paying the highest insurance rates in the country. Everyone knows that. In fact, fixing our state’s unsustainable “no-fault” car insurance system is the main reason I ran for office and has been the number one issue I’ve heard about from my constituents. It has always been a bigger burden for the state’s border counties like Branch and Hillsdale, but according to a 2019 University of Michigan study, after forty years of ever-rising premiums, rates became “unaffordable” in 97 percent of Michigan’s ZIP codes. It was no longer a city vs. rural, or a Democrat vs. Republican issue – the high cost of car insurance in Michigan has been hurting everyone from Marquette to Metro Detroit.