Massachusetts H 1098: An Act relative to auto insurance costs for traditionally low-and moderate income communities

Bill Text

1 of 1
HOUSE DOCKET, NO. 480 FILED ON: 1/13/2023
HOUSE . . . . . . . . . . . . . . . No. 1098

The Commonwealth of Massachusetts
_________________
PRESENTED BY:
Frank A. Moran
_________________
To the Honorable Senate and House of Representatives of the Commonwealth of Massachusetts in General
Court assembled:
The undersigned legislators and/or citizens respectfully petition for the adoption of the accompanying bill:
An Act relative to auto insurance costs for traditionally low-and moderate income communities.
_______________
PETITION OF:

NAME: DISTRICT/ADDRESS: DATE ADDED:
Frank A. Moran 17th Essex 1/13/2023
Estela A. Reyes 4th Essex 2/8/2023
Francisco E. Paulino 16th Essex 11/15/2023

1 of 1
HOUSE DOCKET, NO. 480 FILED ON: 1/13/2023
HOUSE . . . . . . . . . . . . . . . No. 1098
By Representative Moran of Lawrence, a petition (accompanied by bill, House, No. 1098) of
Frank A. Moran and Estela A. Reyes relative to motor vehicle insurance costs for traditionally
low-and moderate income communities. Financial Services.

The Commonwealth of Massachusetts

_______________
In the One Hundred and Ninety-Third General Court
(2023-2024)
_______________

An Act relative to auto insurance costs for traditionally low-and moderate income communities.

Be it enacted by the Senate and House of Representatives in General Court assembled, and by the authority
of the same, as follows:

1 The commissioner of insurance shall conduct an investigation and study of the impact of
2 geographic location data in automobile insurance rate calculation. The commissioner shall
3 evaluate, at a minimum: (1) the automobile insurance premiums for each zip code in the
4 commonwealth; (2) the difference in automobile insurance premiums for drivers with equivalent
5 driving factors, such as accidents and miles driven per year, in low income, moderate income,
6 and high income zip codes; (3) the risk factors for each zip code in the commonwealth; and (4)
7 the discriminatory impact on drivers in low and moderate income zip codes. The commissioner
8 shall make recommendations and shall submit findings to the joint committee on transportation
9 and to the house and senate committees on ways and means not later than December 31, 2024.