House Democrats outlined an auto insurance reform plan today that will lower insurance rates by forty percent without reducing accident coverage. The D.R.I.V.E. plan delivers the first holistic approach to Michigan’s auto insurance system by Delivering Reduced Insurance Rates and Value to Every Michigander.

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Michigan’s auto insurance industry is one of the least regulated in the U.S. with Michigan drivers paying nearly two times more than drivers anywhere else in the nation, according to a University of Michigan study. Democrats’ D.R.I.V.E. plan tackles those rates head on by requiring a forty percent rate reduction on the total bill, increasing consumer protections and ending discriminatory rate-setting practices like red-lining.


The D.R.I.V.E. plan would:

  • Lower Rates by 40% – Guaranteed rate reduction for all drivers by requiring insurance companies reduce rates by 40% off the total bill.
  • Base Rates Only on Driving Factors – End red-lining and the use of discriminatory non-driving factors. Prohibit insurance companies from using zip code, marital status, education level, home ownership status, gender or credit score from being used to set rates.
  • End Insurance Fraud – Create a consumer protection fraud authority that can take on fraud within the system and hold perpetrators accountable.
  • Keep Strong Health Care Coverage – Maintain full Personal Injury Protection accident coverage for all drivers.
  • Reduce Lawsuits – Extend the amount of time claimants have to file a claim from one to three years.
  • Lower Rates for Seniors – Recognize Medicaid and other lifetime retirement health care as an alternative to PIP coverage as long as the alternative includes long-term care coverage.
  • Increase Transparency – Hold a microscope to the Michigan Catastrophic Claims Association so drivers know how rates are set.
  • Lower Medical Costs – Give drivers a discount for coordinating their auto insurance with their health care.

Read the full plan here


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