| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Horace Mann | +3.5% | 12K | 12/1/25 | HRMN-134645804 → |
| State Farm | −4.9% | 1.3M | 2/5/26 | SFMA-134697302 → |
| Hastings Mutual | +2.5% | 16K | 7/1/26 | HAST-134815324 → |
| The Hartford | +0.9% | 14K | 7/9/26 | HART-134800906 → |
| Donegal Insurance | +0.0% | 12K | 7/1/26 | DNGL-134539366 → |
| Cincinnati Insurance | +11.8% | 10K | 7/1/26 | CNNB-134779502 → |
If your Horace Mann renewal in Michigan came in higher, this is the source: Horace Mann filed for a rate increase (SERFF HRMN-134645804) and it was approved at +3.5% on about 11,570 policyholders, effective December 1, 2025. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +3.5% is an average. Your Horace Mann change ranges +45.6% to −19.0%.
A statewide rate change is one blended number, but Horace Mann did not move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +45.6% and the largest decrease about −19.0%. So inside a “+3.5% average,” some Horace Mann 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 Horace Mann 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 →