General Assembly Vote Tracker

HB80 – Prohibiting Auto Insurance Carrier from basing rates on anything but your driving history

Current law lets an auto insurance company base its auto insurance premium rates on many factors other than your driving history, including your age, your credit rating, and/or your marital status. HB 80 would prohibit insurance companies from basing quotes for auto insurance on factors that do not relate to your driving practices. They could still use your driving safety record, years of driving experience, miles driven annually and fault claims history.

Insurance Commissioner Trinidad Navarro stated: “I believe drivers’ rates should be based on how they drive, not who they are. I made a commitment to ban discriminatory practices companies use in setting rates.”

Other states have had a similar law for decades and have shown lower premium increases, increased competition, and a decrease in uninsured motorists.

Consumer Reports says “A driver with poor credit pays $2,075 more on average per year, than a driver with excellent credit, and almost $1,000 per year more than a driver with excellent credit and a DUI.”

The insurance company lobbyists will be in Legislative Hall every day working to defeat this bill. The Insurance Commissioner and his staff will be there too working for us, but a call and/or email from you to your state rep and senator is the most effective way to ensure HB 80 passes. You can find out who your legislator is here.


UPDATE: 4/18/17

SPONSORS: Paradee, Henry, Pettyjohn, Carson, Ennis, Bennett, Heffernan, Keeley, Lynn, Mitchell, Osienski, Williams



HISTORY: Placed in the House Economic Development/Banking/Insurance/Commerce on 3/16/17.

STATUS: Tabled in Committee on 4/5/17.

View HTML View PDF

2 comments on “HB80 – Prohibiting Auto Insurance Carrier from basing rates on anything but your driving history

  1. Hurray for Navarro and HB80, wonder what the lobbyists will say to fight the bill? Other than “we’ll make less money”. Perhaps they’ll threaten to “leave the state”, to which I respond have fun in New Jersey.

  2. This failed to get out of committee, with B Short, Bennett, Q Johnson, M Ramone, Gray, Yearick, Spiegelman and Hensley voting against this measure, pretty much in solidarity with the insurance company lobbyists who showed up.

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s

%d bloggers like this: