No credit scores or zip codes for your car insurance

Prohibits the use of a consumer's credit information and zip code in the underwriting or rating of auto insurance premiums. (8/1/26)

Introduced· 2026-02-27

Who's it for

Who's it for: Everyday People

What it means for you

9/10Helps you

Good for everyday people ·

Draft summary, still being checked against the official bill text. Read the source to confirm.

This bill would stop car insurance companies from using your credit score and zip code to decide how much you pay, which could make insurance fairer.

Our take

What we think, in plain words.

Right now, car insurance companies can look at your credit score and where you live (your zip code) to figure out how much you pay for car insurance. This means that even if you are a safe driver, you might pay more just because of your credit history or neighborhood. This bill would stop that, making sure your car insurance cost is more about how you drive, not other things. Insurance companies might say these tools help them guess who will crash, but many people feel it is not fair. If this bill passes, it could help many people save money and make car insurance prices more equal.

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The facts

What the bill actually says, no spin.

This bill would stop car insurance companies from using your credit information.
It would also stop them from using your zip code when setting prices.
This would change how car insurance costs are figured out.
The changes would start on August 1, 2026.