Michigan No-Fault Reform Fails to Deliver Savings
Key Questions
What is the average car insurance premium in Michigan?
The average premium stands at $2,818. Medical inflation and 2026 assessments are pushing rates higher despite PIP tier reforms intended to lower costs.
What new legislation affects Michigan no-fault insurance?
HB 5980 and 5981 were introduced on May 14, extending PIP cuts to mid-2028. These changes allow additional filings and potential relief for insurers and drivers.
How can Michigan drivers find lower insurance rates?
Drivers should shop multiple quotes to avoid coverage gaps. Progressive currently offers some of the lowest full-coverage rates at about $173 per month.
Reform introduced PIP tiers for lower premiums but med inflation and 2026 assessments driving hikes now, with averages at $2,818. New HB 5980/5981 (May 14) and PIP cut extension to mid-2028 add filings/relief. Drivers urged to shop quotes to avoid gaps. New data shows Progressive at $173/mo full coverage (34% below state avg) — a concrete savings option.