| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Frankenmuth Insurance | +4.6% | 74K | 5/1/26 | FRNK-134683592 → |
| State Farm | −4.9% | 1.3M | 2/5/26 | SFMA-134697302 → |
| CURE | −0.3% | 50K | 7/1/26 | CURE-134852791 → |
| GEICO | −0.1% | 38K | 7/1/26 | GECC-134917903 → |
| USAA | +0.0% | 79K | 7/1/26 | USAA-134875303 → |
| Bristol West | +2.1% | 37K | 3/13/26 | BRWS-134728991 → |
If your Frankenmuth Insurance renewal in Michigan came in higher, this is the source: Frankenmuth Insurance filed for a rate increase (SERFF FRNK-134683592) and it was approved at +4.6% on about 73,763 policyholders, effective May 1, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +4.6% is an average. Your Frankenmuth Insurance change ranges +16.3% to −1.6%.
A statewide rate change is one blended number, but Frankenmuth Insurance did not move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +16.3% and the largest decrease about −1.6%. So inside a “+4.6% average,” some Frankenmuth 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.
Frankenmuth Insurance asked for more than it got.
The filing shows an indicated need of +11.3% — the increase Frankenmuth Insurance’s own actuarial analysis said it required — against the +4.6% it actually took. That gap matters for what comes next: a carrier that took less than it indicated has an unclosed gap, and the remainder often arrives in a later filing rather than disappearing.
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%), CURE (−0.3%), and GEICO (−0.1%) all filed decreases in the same period. A Frankenmuth 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 →