Illinois HB 1234: INS RATEMAKING-AFFORDABILITY

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HB1234 EngrossedLRB104 06172 SPS 16206 b

1 AN ACT concerning State government.

2 Be it enacted by the People of the State of Illinois, 

3represented in the General Assembly:

4 Section 5. The Secretary of State Act is amended by adding 

5Section 38 as follows:

6 (15 ILCS 305/38 new)

7 Sec. 38. Study on automobile insurance affordability and 

8availability. By January 1, 2026, the Secretary of State shall 

9conduct a study on the affordability and availability of 

10statutorily mandated automobile insurance in this State. When 

11conducting the study, the Secretary of State may use data or 

12academic studies conducted by other sources, solicit feedback 

13and testimony from constituents and community leaders, 

14consider any guidance, written or otherwise, provided by 

15insurance industry experts based in this State, and consider 

16statutes and regulations in other states and national trends. 

17The study shall include, but shall not be limited to, the use 

18of zip codes, credit scores, and age in ratemaking and whether 

19the specific factor results in inequitable rates being 

20assessed to certain populations. No later than January 1, 

212026, the Secretary of State shall submit the report and its 

22recommendations to the Governor and the General Assembly.

HB1234 Engrossed- 2 -LRB104 06172 SPS 16206 b

1 Section 99. Effective date. This Act takes effect upon 

2becoming law.

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