Bill > H1265

This bill directs the Massachusetts commissioner of insurance to conduct a comprehensive study on how geographic location data affects automobile insurance rates, with a specific focus on potential disparities across different income levels. The study will examine insurance premiums for each zip code in the state, comparing rates for drivers with similar driving records (such as comparable accident histories and annual mileage) across low-income, moderate-income, and high-income areas. The commissioner will analyze risk factors for each zip code and investigate whether the current insurance rating practices discriminate against drivers in low and moderate-income communities. By December 31, 2026, the commissioner is required to submit detailed findings and recommendations to the joint committee on transportation and the house and senate committees on ways and means, with the ultimate goal of understanding and potentially addressing inequities in auto insurance pricing based on geographic location.

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https://malegislature.gov/Bills/194/H1265