Illinois SB 2691: BUSINESS-TECH

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104TH GENERAL ASSEMBLY 
State of Illinois 
2025 and 2026
SB2691

Introduced 10/14/2025, by Sen. Michael E. Hastings and Meg Loughran Cappel 

SYNOPSIS AS INTRODUCED:

New Act

 Creates the Nondriving Factors in Insurance Rate-Setting Study Act. Requires the Department of Insurance to conduct a comprehensive study of the use of nondriving factors in the setting of automobile and homeowners insurance premiums in Illinois. By January 1, 2027, requires the Department of Insurance to prepare and submit a report of its findings and recommendations to the President of the Senate, the Speaker of the House of Representatives, the Minority Leader of the Senate, and the Minority Leader of the House of Representatives. Provides that the Act is repealed on January 1, 2028. Effective immediately.

LRB104 15273 BAB 28426 b

A BILL FOR

SB2691LRB104 15273 BAB 28426 b

1 AN ACT concerning regulation.

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

3represented in the General Assembly:

4 Section 1. Short title. This Act may be cited as the 

5Nondriving Factors in Insurance Rate-Setting Study Act.

6 Section 5. Findings. The General Assembly finds that: 

7 (1) Automobile and homeowners insurance premiums play 

8 a critical role in protecting Illinois families and 

9 communities. 

10 (2) There is growing concern that nondriving factors, 

11 such as a person's credit score, occupation, education 

12 level, and other socioeconomic criteria, may contribute to 

13 inequitable rate-setting practices. 

14 (3) A comprehensive data-driven analysis is necessary 

15 to evaluate the fairness and consumer impact of these 

16 practices and to determine whether legislative or 

17 regulatory reforms are warranted.

18 Section 10. Department of