I'm no expert but they did change the law in 2020. Some people are eligible to opt out of the PIP completely if they have health insurance coverage that covers injuries from auto accidents.I pay $210/year on one car with no collision but I do have comprehensive which seems reasonable to me. In March the State is refunding $400 to drivers who had car insurance on Oct 31 2021 due to a surplus in the catastrophic claims fund. Even with that Michiganders still pay some of the highest rates but we seem to be moving in the right direction finally.