Proposed Ban on Using Personal Factors to Set Auto Insurance Rates

Original title: Rating Factors for Automobile Liability Insurers

March 13, 2026

insurance consumer protection auto insurance finance

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The Frame

What this does

This change would shift how auto insurance premiums are calculated for all Florida drivers by removing non-driving personal data from the rating process, potentially altering costs for individuals based on their demographic or financial profile.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Automobile liability insurers

These companies would be prohibited from using seven specific personal factors when establishing or maintaining insurance rates.

Florida drivers

Drivers would no longer have their insurance rates determined by their sex, marital status, home ownership, education, occupation, location, or credit score.

What changed

Last recorded activity March 13, 2026.

What's next

Introduced.

Summary

This bill would prohibit automobile insurance companies from using personal characteristics like credit scores, occupation, or home ownership to determine your insurance rates. If passed, insurers would be barred from using seven specific non-driving factors to set premiums or classify drivers.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Why It Matters

Frequently Asked Questions

What specific factors would insurance companies be banned from using?

Insurers would be prohibited from using sex, marital status, home ownership, educational level, occupation, , and credit score.

Does this bill apply to all insurance types?

No, the bill specifically applies to insurers providing .

News Coverage

No news coverage found yet. Articles are indexed twice daily.

Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift100% confidence

Restriction of Non-Driving Rating Factors

The bill represents a move to decouple insurance pricing from socioeconomic and demographic indicators, focusing strictly on factors other than those listed.

Automobile liability insurers