| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Cincinnati Insurance | +11.8% | 10K | 7/1/26 | CNNB-134779502 → |
| State Farm | −4.9% | 1.3M | 2/5/26 | SFMA-134697302 → |
| The Hartford | +0.9% | 14K | 7/9/26 | HART-134800906 → |
| Donegal Insurance | +0.0% | 12K | 7/1/26 | DNGL-134539366 → |
| Horace Mann | +3.5% | 12K | 12/1/25 | HRMN-134645804 → |
| Wolverine | +0.0% | 6K | 7/1/26 | PERR-134914276 → |
If your Cincinnati Insurance renewal in Michigan came in higher, this is the source: Cincinnati Insurance filed for a rate increase (SERFF CNNB-134779502) and it was approved at +11.8% on about 10,459 policyholders, effective July 1, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +11.8% is an average. Your Cincinnati Insurance change ranges +49.8% to −0.9%.
A statewide rate change is one blended number, but Cincinnati Insurance did not move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +49.8% and the largest decrease about −0.9%. So inside a “+11.8% average,” some Cincinnati Insurance drivers in Michigan were raised far more than the headline and others were cut. Where you land depends on your ZIP, vehicle, age and driving record.
Other Michigan insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in Michigan the direction is not uniform: State Farm (−4.9%) filed decreases in the same period. A Cincinnati Insurance increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.
See every approved Michigan auto rate filing →