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HD 3339

An Act relative to automobile insurance premiums

194th Legislature (2025-2026) Introduced by Mike Day

Massachusetts bill HD 3339 reforms automobile insurance premium calculation and rate-setting practices to address affordability and fairness concerns for state drivers.

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Bill Summary · HD 3339

Legislative bill overview

HD 3339 proposes reforms to how automobile insurance premiums are calculated and charged in Massachusetts. The bill aims to address concerns about insurance rate-setting practices, though specific provisions require examination of the full legislative text to detail exact mechanisms for change.

Why is this important

Auto insurance is a mandatory expense for Massachusetts drivers, making premium regulation directly relevant to household budgets across the state. Insurance rate structures can significantly impact affordability, particularly for lower-income drivers and those in higher-risk categories, making this a matter of consumer protection and economic accessibility.

Potential points of contention

  • Rating factor restrictions: Any limitations on how insurers use driving history, age, location, or other variables to set rates could lower premiums for some groups while potentially raising them for others or reducing insurer profits
  • Insurer profitability vs. consumer costs: Stricter rate controls may pressure insurers' margins, potentially affecting market competition, service availability, or leading to rate increases elsewhere
  • Risk assessment methodology: Changing how insurers assess and price risk could shift costs between safe and less-safe drivers, creating fairness debates about who should bear higher premiums

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

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