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Michigan Drivers Get Coverage Options, Potential for Savings

State Farm® is Here to Help

New Michigan law reforms auto insurance. You will now be able to choose the personal insurance protection (PIP) option that suits your needs.

Signed into law by Governor Gretchen Whitmer, the PIP reform options take effect July 1, 2020.

Mandatory unlimited PIP coverage has been in place since 1973. PIP’s unlimited, lifetime medical benefits are paid regardless of fault and have led to increased fraud. As a result, Michigan auto insurance premiums are some of the highest in the nation.

Among the reforms to Michigan’s auto insurance system are:

  • more coverage choices,

  • creation of a fraud bureau,

  • a fee schedule for the amounts health care providers can charge for auto insurance-related injuries, and,

  • mandatory rate relief for consumers and more.

Be Prepared.

While much of the reform won’t take effect until July 2020, it’s not too soon to talk to your State Farm agent to review your current coverages.

State Farm continues to work with legislators, industry partners and other allies to promote reform solutions that benefit customers.

About State Farm®:

For over 100 years, the mission of State Farm has been to help people manage the risks of everyday life, recover from the unexpected and realize their dreams. State Farm and its affiliates are the largest providers of auto and home insurance in the United States. Its more than 19,400 agents and 67,000 employees serve over 91 million policies and accounts – including auto, fire, lifehealth, commercial policies and financial services accounts. Commercial auto insurance, along with coverage for rentersbusiness ownersboats and motorcycles, is also available. State Farm Mutual Automobile Insurance Company is the parent of the State Farm family of companies. State Farm is ranked No. 44 on the 2023 Fortune 500 list of largest companies. For more information, please visit