Bill
Bill > S2248
NJ S2248
NJ S2248Prohibits use of education, occupation, and credit score as rating factors in automobile insurance underwriting.
summary
Introduced
01/13/2026
01/13/2026
In Committee
01/13/2026
01/13/2026
Crossed Over
Passed
Dead
Introduced Session
2026-2027 Regular Session
Bill Summary
This bill prohibits automobile insurers from assigning an insured or prospective insured to a rating tier based upon that person's: (1) educational level; (2) employment, trade, business, occupation or profession; or (3) credit score, or any information derived from an insured's credit report. The bill also prohibits automobile insurers from inquiring of an insured or applicant for insurance, or of a third-party concerning an insured or applicant, as to these factors.
AI Summary
This bill prohibits automobile insurance companies from using a person's educational background, their job or profession, or their credit score (including any information from their credit report) to determine their insurance rates or assign them to a specific rating tier. It also prevents insurers from asking applicants or current policyholders, or anyone on their behalf, about these factors. This change aims to ensure that car insurance premiums are based more directly on driving behavior and less on personal characteristics that may not be directly related to driving risk.
Committee Categories
Business and Industry
Sponsors (4)
Last Action
Introduced in the Senate, Referred to Senate Commerce Committee (on 01/13/2026)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.njleg.state.nj.us/bill-search/2026/S2248 |
| BillText | https://pub.njleg.gov/Bills/2026/S2500/2248_I1.HTM |
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