Auto insurance score, who owns it, regulates it, etc.?

[UKTone]

With so much identity theft, and many other things, it is possible that there are many errors hurting your auto insurance score. I have never had a car in my name, pulled over, no insurance, etc. According to creditkarma, my Auto Insurance is 772, which is poor, I live in Michigan and our auto insurance rates are so high even for just no fault (250/m) and full coverage ($500/m) is outrageous. I am 21 going on 22, I got my license 2 months before my 21st birthday, but even friends have to pay at least $200/m for no fault.

I want to raise my score, but I don't want to pay out more than half my monthly income since I am part time at my job and am not paid much more than minimum wage. How does society expect us to work, go to school, and have a car? Gas is already high, school is already expensive and time consuming...

But I digress, I want to be able to talk to them, if talking to them doesn't work, who would be next to talk to, then after that, maybe start a petition, how would I start a petition and who would I submit it to, etc.

I live in Detroit, we have no garage, I have over a 3.0 G.P.A. (believe this is probably my only discount I'm qualified for), etc. I know because of my city to expect a high rate for full coverage, but for not fault, I didn't. I especially didn't since I grew up hearing like $60 and $80 for no fault, and a girl I worked with at Allen Park Target, she pays $80 for no fault, but allen park's crime rate is one of the lowest in the nation (double 1s on the crimerate website).

Any advice would be great. Thanks.

[guiness56]

Your state regulates it.  There are several states that prohibit the use of a credit score or what is in your credit report when underwriting personal insurance and auto insurance.

There are also some insurance companies that don't use scores.