Michigan reported the largest decrease in uninsured motorists of any state between 2020 and 2022, according to a recent study by the Insurance Research Council.
Michigan’s uninsured motorist rate dropped by more than 6% between 2020 and 2022. The study credits the state’s 2019 auto insurance reform for the decrease.
Prior to the 2019 legislative reforms, all Michigan drivers had to buy unlimited Personal Injury Protection (PIP) medical coverage. Elimination of mandatory unlimited PIP allowed more drivers to find affordable insurance, according to the Michigan Department of Insurance and Financial Services (DIFS).
An estimated 20% of Michigan drivers and 60% of Detroit drivers were without auto insurance prior to the reform law.
“Under the old auto insurance law, too many Michiganders had to face the financial and legal risks of driving without insurance, and the new law has made it possible for more Michiganders to protect themselves and their families with auto insurance,” said DIFS Director Anita Fox. “In addition to increasing consumer protections and reducing the number of uninsured drivers, the new law has increased competition by encouraging new companies and affiliates to enter the Michigan market.”
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