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H 1265

An Act relative to auto insurance costs for traditionally low-and moderate income communities

194th Legislature (2025-2026) Introduced by Frank Moran

Massachusetts bill addressing auto insurance affordability disparities in low- and moderate-income communities through Financial Services Committee review and accompanying study order.

Accompanied a study order, see H4777
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Bill Summary · H 1265

Legislative bill overview

H 1265 addresses auto insurance affordability in low- and moderate-income communities in Massachusetts. The bill was referred to the Financial Services Committee and has been paired with a study order (H4777) to examine related issues, though the specific provisions are not detailed in the available action history.

Why is this important

Auto insurance costs disproportionately burden lower-income households, often consuming a larger percentage of their budgets and affecting their ability to work or access services. High insurance premiums in certain communities can reflect systemic inequities in how rates are calculated or applied based on geography, credit scores, or other factors correlated with income and race.

Potential points of contention

  • Rate-setting methodology: Insurers may resist restrictions on factors they use to calculate premiums, arguing that certain variables (driving record, claims history, credit) are actuarially justified and risk-based
  • Market impact and affordability: Regulatory changes could affect insurer profitability and market participation, potentially leading to higher rates overall or reduced availability in certain areas
  • Definition and scope: Determining which communities qualify as "traditionally low- and moderate-income" and what specific insurance cost interventions are proposed (subsidies, rate caps, assigned risk pools, etc.)

Compiled from official sources — confirm details with the bill’s official record.

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