Michigan has the highest auto insurance premiums in the country. While Michigan passed bipartisan auto insurance reform earlier this year, traffic violations and crimes will still cost you a boatload of money. The Zebra, an auto insurance comparison site, broke down how much each of the 26 different traffic tickets would cost Michiganders. Heres some common tickets and how much theyll raise car insurance rates annually in Michigan. Generally, the penalty stays on your car insurance record for three years:Failure to wear a seat belt: $42/yearDriving too slowly: $820/yearDriving with an open container: $2,155yearDUI: $4,757/yearHit and run: $4,917/year (Thats a 183% increase in car insurance rates for Michiganders)Below is a look at typical auto insurance rates in Michigan after a few common citations.