GEICO introduced an update to its motorcycle insurance program in Michigan, reflecting a modest rate increase tied primarily to state-mandated fee changes.

The filing shows an overall rate impact of +0.41%, affecting 2,937 policyholders and approximately $1.9 million in written premium. While the increase is minimal, it reverses a prior rate reduction of -1.6% implemented in July 2025.

At the center of the change is an adjustment to the Michigan Catastrophic Claims Association (MCCA) fee, which is being updated to align with a new state assessment. The MCCA-related component alone carries a +2.4% indicated impact, driving the overall change.

The updated fee structure includes:

• MCCA pure premium fee increasing from $59 to $65
• MCCA deficit recoupment fee decreasing from $23 to $19
• No change to the Michigan Assigned Claims Plan fee

All changes are scheduled to take effect on July 1, 2026 for both new and renewal business.

Bottom Line: A small, fee-driven increase—more about Michigan’s regulatory mechanics than underwriting or competitive repositioning.