HOUSE DOCKET, NO. 845        FILED ON: 1/13/2025

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The Commonwealth of Massachusetts

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PRESENTED BY:

Frank A. Moran

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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.

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PETITION OF:

HOUSE DOCKET, NO. 845        FILED ON: 1/13/2025

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The Commonwealth of Massachusetts

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In the One Hundred and Ninety-Fourth General Court
(2025-2026)

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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:
 

The commissioner of insurance shall conduct an investigation and study of the impact of geographic location data in automobile insurance rate calculation. The commissioner shall evaluate, at a minimum: (1) the automobile insurance premiums for each zip code in the commonwealth; (2) the difference in automobile insurance premiums for drivers with equivalent driving factors, such as accidents and miles driven per year, in low income, moderate income, and high income zip codes; (3) the risk factors for each zip code in the commonwealth; and (4) the discriminatory impact on drivers in low and moderate income zip codes. The commissioner shall make recommendations and shall submit findings to the joint committee on transportation and to the house and senate committees on ways and means not later than December 31, 2026.