Poll Reveals Majority of Michiganders Paying More for Insurance Despite Auto No-Fault Reform Promises

LANSING, Mich.— (Oct. 31, 2025)— About 60 percent of Michigan residents are spending more on insurance costs this year than in the past according to a statewide poll, exposing the failure of the 2019 auto insurance reform law to deliver promised savings.

The poll, which was conducted by the Glengariff Group for the Detroit Regional Chamber, is further evidence that the 2019 legislation has failed to deliver on its central promise of lowering auto insurance premiums for Michigan residents, said Margaret Kroese, CPAN President. 

"The numbers speak for themselves," Kroese said. "Insurance companies promised lower premiums if Michigan enacted the reforms they wanted. Six years later, rates have not gone down, crash survivors have lost their protections, medical providers have lost the ability to care for patients, and Michigan drivers are still being penalized through credit scores."

The September 2025 poll of 600 registered Michigan voters, which was recently released by the Detroit Regional Chamber, found that when asked about different household spending areas compared to last year:

• 60.4 percent are paying more for home and car insurance

• Only 7.2 percent are paying less for home and car insurance

• 27.3 percent are paying about the same

Michigan continues to allow insurance companies to impose the highest credit score penalties in the nation on safe drivers, according to recent testimony in the state Senate by Doug Heller, Director of Insurance for the Consumer Federation of America and a CPAN consultant. 

The 2019 law imposed dramatic cuts to reimbursement rates for care providers who treat catastrophically injured auto accident victims. Medical facilities that specialize in caring for patients with severe brain and spinal injuries saw their reimbursements cut by 45 percent or more, forcing many to reduce services or close entirely.

CPAN is calling on state legislators to acknowledge the failure of the 2019 reforms and to work with all stakeholders—including crash survivors, medical providers and consumer advocates—to develop meaningful solutions that both protect accident victims and provide real, sustainable relief for Michigan drivers.

"It's not too late to fix this mess with reasonable solutions," Kroese said. "But it starts with admitting that the 2019 law failed to deliver on its core promise, and that Michigan families and crash survivors deserve better."