Michigan’s 2019 auto insurance reforms worked, most recent evidence says

Michigan policymakers overhauled the state’s auto insurance laws in 2019. Drivers were paying some of the highest premiums in the country and had for decades. Michigan’s “no-fault” insurance laws were the only in the country that required every driver to purchase unlimited personal injury coverage. Forcing everyone to buy uncapped insurance for medical expenses resulting from a car accident led to expensive mandatory premiums.

Lawmakers also passed a law in 2024 that required the Michigan Department of Insurance and Financial Services to study the impact of the 2019 reforms. The department just published the results, and they confirm that the changes lowered costs for Michigan drivers.