How much will the Michigan driver’s refund be?
Eligible Michigan drivers should receive $400 if they own regular vehicles or $80 if they own historic vehicles. In addition, drivers must have insured their cars in Michigan before October 31, 2021.
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UPDATED: Sep 4, 2024
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UPDATED: Sep 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Michigan is not known for affordable auto insurance. However, in 2019, Governor Gretchen Whitmer signed an auto insurance reform that would return some of the surplus from the Michigan Catastrophic Claims Association (MCCA) to eligible drivers.
The money is being sent out in 2022, and eligible drivers should have received or will receive $400 from their auto insurance companies shortly. Read on to learn more about the Michigan refund amount, who is eligible, and what to do if you haven’t yet received your refund.
- Refunds are from the Michigan Catastrophic Claims Association’s $5 billion surplus
- Each eligible driver will receive $400 or $80, depending on their vehicle type
- Drivers who haven’t received their refund yet should contact their insurer
Michigan Refund Amount and Eligibility
There was a $5 billion surplus for the MCCA catastrophic fund in 2019, and $3 billion was slated to be returned to Michigan drivers. The refund amounts that are to be sent out to eligible drivers are as follows:
- $400 for owners of vehicles
- $80 for owners of historic vehicles
Vehicles extend to cars, motorcycles, and RVs. Historic vehicles are generally older, classic cars that are at least 20 to 30 years old and not used for daily use. There are no other requirements. Some may wonder if they’ll get the Michigan refund even with a DUI. Regardless of driving records, as long as a driver was insured with Michigan auto insurance coverage before 11:59 p.m. on October 31, 2021, they should receive the $400 or $80 refund from their insurance company.
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What to Do If You Haven’t Received Your Refund
The Michigan funds were supposed to be sent by insurers by paper check or ACH deposit by May 9, 2022. However, not everyone has yet received their refund. If you haven’t yet received your refund, make sure that your information is correct, such as your address and bank account information.
If drivers have incorrect information, this could cause a delay in their refund being processed. If you haven’t yet received your refund, you should call your auto insurance company and speak to a representative. They can help sort out why you haven’t received your refund.
It’s important to note that there may be potential fraud calls or emails about the Michigan refund that ask for your personal information. Some may appear to be from an insurance company or a reputable government site. If you get a call or email asking for your personal information for the refund, don’t respond. You should only call and speak directly to your car insurance company about the refund.
How to Save on Car Insurance if You Didn’t Get a Refund
If you weren’t eligible for the refund in Michigan, there are still ways to save on your car insurance policy. Some of the best ways to save on your car insurance policy are as follows:
- Drive a safe car. Driving a vehicle that does well in a crash and has multiple safety features can earn you a cheaper rate.
- Eliminate unnecessary coverages for old vehicles. A good rule of thumb is that if your annual car insurance premium for extra coverages is worth 10% of your old car, you can consider getting rid of extra coverages and opting for liability insurance only.
- Get discounts. Make sure you are getting all the auto insurance discounts possible from your insurer. Even small ones, like paperless discounts, can add up in the end. Some insurers also offer usage-based insurance programs that reward safe drivers.
- Get quotes. Comparing quotes from multiple insurance companies can help you find the best rate in your area.
Because Michigan has some of the highest car insurance rates in the country, even with a refund, Michigan car insurance rates will be expensive. Following the tips above should help you find a cheaper rate on car insurance. It will also help if you focus on keeping a clean driving record, which can greatly reduce car insurance costs.
The Bottom Line: Refunds for Michigan Drivers
Eligible drivers in Michigan should have already received either $400 for their vehicle or $80 for a historic vehicle. If you haven’t yet received your check or direct deposit from your car insurance company, it is best to reach out to your car insurance company directly. Make sure not to fall for scam calls or emails asking for personal information.
If your Michigan car insurance is still expensive, even with the refund, the best thing you can do is use a free quote comparison tool to make sure you are getting the best car insurance rate possible.
Frequently Asked Questions
Are there any refunds or rebates available for Michigan drivers?
Refunds or rebates for Michigan drivers are subject to the specific policies and regulations of individual insurance companies. It is advisable to contact your insurance provider directly to inquire about any potential refunds or rebates they may offer. Additionally, you can stay informed about any updates or announcements from the Michigan Department of Insurance and Financial Services (DIFS) regarding refunds or rebates for drivers in the state.
How can I determine if I am eligible for a driver’s refund in Michigan?
Eligibility for driver’s refunds in Michigan, if available, is typically determined by the insurance company providing the coverage. To find out if you are eligible for a refund, it is recommended to review your insurance policy, contact your insurance provider directly, or check their website for any information regarding refunds or eligibility criteria. They will be able to provide you with specific details on eligibility requirements for driver’s refunds in Michigan.
What factors might affect the amount of a driver’s refund in Michigan?
The factors that can influence the amount of a driver’s refund in Michigan, if applicable, may vary depending on the insurance provider and their policies. Five common factors that could potentially impact the refund amount include:
- Driving history
- Claims history
- Coverage type
- Duration of coverage
- Any discounts or incentives offered by the insurance company
It is recommended to contact your insurance provider directly to understand how they calculate refunds and the factors they consider in determining the refund amount.
How can I contact the Michigan Department of Insurance and Financial Services (DIFS) for more information?
To obtain more information or clarification on insurance-related matters, including potential driver’s refunds in Michigan, you can contact the Michigan Department of Insurance and Financial Services (DIFS) through the following five methods:
- Phone
- Website
- In-person
How often are driver’s refunds typically issued in Michigan?
The frequency of driver’s refunds in Michigan, if available, can differ among insurance companies. Some insurance providers may issue refunds annually, while others may do so on a different schedule, such as every six months or quarterly. To know the exact timing of driver’s refunds, it is best to consult your insurance policy or reach out to your insurance provider directly for information specific to your coverage.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.