Michigan teens would have to make some pretty serious part-time cash to afford the average cost of car insurance for their age group in the state––$661 a month. Young adults fare a little better, but still see a high average cost of $418.

People in their 30s catch a break, but then it shoots back up to the state average. Even those at retirement age pay a significant amount compared to other states. The octogenarians get the lowest price, at over $60 off the average monthly cost for all drivers in the state.

Men pay two percent more than women in Michigan for car insurance premiums. That’s because women tend to be statistically safer drivers. But the average cost of car insurance in Michigan remains very high compared to other states regardless of gender.

Michigan is one of seven states where married people pay more than singles for their car insurance. With a jump of over $300 a year, couples might feel like they can't catch a break.

Typically, married couples are considered less risky to insure than their single counterparts and see lower average car insurance costs. That means that other factors in Michigan may be playing a role, like married Michigan couples buying bigger or more expensive vehicles to accommodate growing families.

Michigan is a no-fault state, which means drivers file with their own insurance carrier after an accident. State law requires $20,000 in bodily injury liability per person and $40,000 per accident and $10,000 in property damage liability per accident. You must also select your personal injury protection (PIP) option, from unlimited to none (medical insurance required for none). To protect your vehicle itself, you'd need comprehensive and collision coverage.

Michigan is one of few states that prohibits car insurance companies from using your credit score to set your rate. That said, when we looked at our database credit scores, we still saw differences.

People with average and good credit paid most of all. Why? People with better credit tend to have more expensive cars and higher levels of coverage. Those with excellent credit raked in the most savings, paying $50 less per month than the state average monthly cost.

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Michigan will pay $13 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $49. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.