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H 1219

An Act relative to surcharges on motor vehicle insurance premiums

194th Legislature (2025-2026) Introduced by Steven Howitt and 6 co-sponsors

Massachusetts bill to regulate how much surcharges motor vehicle insurers can add to insurance premiums, affecting driver affordability and insurance market pricing practices.

Accompanied a study order, see H4777
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WeVote Research Nonpartisan
Bill Summary · H 1219

Legislative bill overview

H 1219 proposes to regulate surcharges that motor vehicle insurers can impose on insurance premiums in Massachusetts. The bill establishes new rules or limitations governing when and how much insurers can charge drivers additional fees beyond base premium rates, likely in response to factors such as accidents, violations, or other risk indicators.

Why is this important

Motor vehicle insurance surcharges significantly affect what drivers pay for coverage, potentially pricing some individuals out of the market or creating financial hardship. Given that Massachusetts requires all drivers to carry auto insurance, regulating these surcharges directly impacts household budgets and insurance market accessibility across the state.

Potential points of contention

  • Insurance company profitability: Limiting surcharges may reduce insurer revenue and could lead to reduced coverage options, higher base rates, or companies exiting the Massachusetts market
  • Risk assessment vs. fairness: The tension between allowing insurers to price risk accurately (charging higher rates to riskier drivers) and protecting consumers from excessive fees for minor infractions or accidents
  • Definition and scope: What specific surcharges are covered (accidents, violations, claims history, etc.) and whether exemptions exist for certain driver populations or circumstances

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

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