Michigan bans price optimization in auto insurance rates under 2026 PA 98
Governor Gretchen Whitmer signed Senate Bill 1013 on September 21, 2026, prohibiting insurers from using price optimization in no-fault auto insurance rating. The law adds MCL 500.2027a and was assigned Public Act 98 of 2026 with immediate effect. It codifies a 2024 Department of Insurance and Financial Services bulletin barring willingness-to-pay pricing in auto insurance.
Enrolled text (Michigan Legislature) → · Office of Governor Gretchen Whitmer