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Michigan no-fault reform—notable changes and provisions*

Updated: Jun 1, 2020



We know you care about having the right protection for you and your family. We also know the new auto reform law can seem complicated.

As one of Michigan's largest insurance companies, we have the expertise to help guide you through reform. With our clear sight into the changes ahead, we're ready to help you see clearly, too.

As the changes take effect, we'll introduce new tools and resources to help you explore your options and make the selection process fast and easy.




Get a no-fault reform quote today




Frequently-asked questions about Michigan auto reform

The new law requires new selections from you. We know there is a lot to consider before choosing the right level of coverage. We have answers to your questions. Need more guidance? We recommend that you work with your independent insurance agent to be sure you have the best combination of protection, value and price.

+What is the new Michigan auto insurance law? Senate Bill 1 was signed into law by Michigan Governor Gretchen Whitmer on May 30, 2019, taking effect as of June 11, 2019. The new law is designed to provide more affordable auto insurance in the state by providing drivers with more coverage options. Here is what has changed:

  • Personal injury protection (PIP) options. With the new law, drivers will no longer be required to purchase unlimited no-fault PIP and can instead choose their coverage level. Qualifying drivers may also choose to opt out of PIP coverage.

  • Bodily injury (BI) minimum limits. BI minimum limits will increase from $20,000 per person/$40,000 per accident to $50,000/$100,000, with a default minimum of $250,000 per person/$500,000 per accident.

  • Driver savings. Drivers can save anywhere from 10% to 100% on their PIP coverage, depending on their election and their healthcare coverage.

  • Rating prohibitions. Insurance carriers may no longer factor in gender, marital status, home ownership, education, occupation, credit score and postal zone to premium rates.

Will my auto insurance rates change with Michigan's no-fault reform?