yep, like hesse said. their medical requirements are crazy! MI is the only state with required unlimited lifetime benes.... the auto insurance company has to cover up to 530K in medical claims.... then a state mandated fund (which drivers pay an additional $150 per year/per vehicle on top of) kicks in if the 530K is exhausted. add them together and you get an off the hook premium. and yes, WV is very high premium also, but for other reasons that have been mentioned. WV ranks #1 for deer collisions. 1 in every 39 vehicles. plus the rural areas and high mountains make for some very serious accidents.