Bill
HD 2176
This bill allows auto insurers to offer rebates of at least 10% on liability premiums to drivers with clean 3-year records, incentivizing safe driving and rewarding responsible policyholders.
This proposed bill, introduced on November 29, 2025, would authorize insurance providers in the state to offer rebates on motor vehicle liability insurance premiums to customers who maintain a safe driving record. The goal of the legislation is to incentivize safer driving and reward policyholders who demonstrate responsible behavior behind the wheel.
The main components of the HD 2176 bill include:
Insurance Rebate Authorization: The bill would allow auto insurance companies to provide rebates or discounts on liability insurance premiums to eligible policyholders.
Eligibility Criteria: To qualify for the rebate, drivers must maintain a clean driving record for at least the previous 3 consecutive years, with no at-fault accidents, moving violations, or license suspensions.
Rebate Amount: Insurance providers would have the flexibility to determine the specific rebate amount, but the bill sets a minimum of 10% off the standard liability insurance premium.
Consumer Disclosure: Insurance companies would be required to clearly communicate the availability of the safe driver rebate program to all policyholders, including details on eligibility and the application process.
If enacted, this legislation could provide meaningful financial savings for safe drivers in the state, potentially hundreds of dollars per year in reduced insurance costs. It may also encourage more cautious driving behaviors and lower accident rates, benefiting both consumers and insurers.
The bill could particularly aid lower-income households who often face higher insurance premiums, allowing them to save on a significant household expense. However, some have raised concerns that the rebate structure may disproportionately benefit higher-income drivers who already have clean records.
Overall, the Motor Vehicle Insurance Rebate Bill aims to create incentives for safe driving practices while providing direct financial relief to responsible policyholders in the state.
Compiled from official sources — confirm details with the bill’s official record.
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