Virginia studies if credit scores unfairly hike car insurance

Motor vehicle insurance; use of certain factors to establish rates prohibited.

Introduced· 2026-01-14

Who's it for

Who's it for: Everyday People

What it means for you

6/10Mixed

Mixed: some good, some bad ·

Plain‑English summary, cross‑checked against the official bill text.

This bill orders a study to see if car insurance companies unfairly use your credit score to charge you more, instead of just looking at your driving record.

Our take

What we think, in plain words.

Originally, this bill would have banned insurance companies from using your credit score to set your car insurance rates. Now, it has been watered down into a study to see if the practice discriminates against young or lower-income drivers. While a study gathers facts, it delays real action that could immediately lower premiums for safe drivers who happen to have bad credit.

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The facts

What the bill actually says, no spin.

Orders the state Bureau of Insurance to study how car insurers use credit scores.
Checks if using credit scores instead of driving records is unfair to drivers.
Investigates whether the practice discriminates against younger or poorer people.
Requires a final report to be given to lawmakers by October 1, 2026.
The original version of this bill would have completely banned insurers from using credit scores to set rates.