LANSING – Auto insurance costs continue to go down for Michigan drivers, according to a new analysis by Bankrate, thanks to the bipartisan 2019 auto no-fault reforms.

Despite having the most generous auto insurance medical coverage in the United States, Michigan is no longer the most expensive state in the nation for auto insurance and now ranks No. 6 as of August 2025, according to the national report.

“The historic bipartisan auto no-fault reforms continue to curb costs for Michigan drivers at a time when the high cost of everything continues to be a burden for families,” said Erin McDonough, executive director of the Insurance Alliance of Michigan (IAM). “This new analysis clearly shows that reforms are working, and policymakers must let them continue working for Michiganders.”

Since the reforms passed in 2019, Michigan drivers have saved more than $8 billion, or $1,100 per vehicle, on auto insurance costs. On top of a decrease in premiums, the per-vehicle fee charged by the Michigan Catastrophic Claims Association (MCCA) is at its lowest level in more than two decades.

“The reforms have made great strides in cracking down on fraud and abuse, reining in overcharging by medical providers and giving consumers a choice in the level of medical coverage included with their auto insurance policy,” McDonough said. “We urge lawmakers in both parties to let these reforms work and push back on special interests that want to turn back the clock on these historic improvements to our auto no-fault system.”

To learn more about the Insurance Alliance of Michigan, visit the IAM website.