A new study by gobankingrates.com says Michigan is the most expensive state in which to own a car.

The study says unlimited medical costs for people seriously injured in accidents adds to the price of insurance policies and limits insurance companies' ability to negotiate hospital bills.

The high costs also means one in five Michigan drivers are on the road without insurance even though that is against the law.

However, the Insurance Institute of Michigan says the Michigan's insurance benefits are far beyond those of other states.