Earlier this year, the Legislature passed Senate Bill 1. The bill reformed Michigan’s auto insurance law, seeking to reduce our highest-in-the-nation rates.

As a result of this new law, the annual Michigan Catastrophic Claims Association (MCCA) fee of $220 will be reduced to $100 in 2020 for drivers selecting unlimited, lifetime coverage. Drivers who choose other levels of coverage will pay no annual fee at all.

SB 1 will for the first time allow Michigan drivers to determine the appropriate amount of coverage they need and will require lower rates for drivers who select limited coverage.