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SB 2691

MS Juvenile Tobacco Access Prevention Act; amend to prohibit the sale of tobacco or tobacco products to those under age 21.

2025 Regular Session Introduced by Hob Bryan

The bill orders a time-limited study by the Illinois Department of Insurance to assess how nondriving factors are used in auto and homeowners rates and whether reforms are needed t

Approved by Governor
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Bill Summary · SB 2691

Summary — SB 2691 (Nondriving Factors in Insurance Rate-Setting Study Act)

Short title: Nondriving Factors in Insurance Rate-Setting Study Act
Primary sponsor: Sen. Michael E. Hastings; cosponsor Sen. Meg Loughran Cappel
Companion bill: HB 4871
Status: Approved by Governor (per provided record) — see “Notes” below for inconsistencies

Purpose

SB 2691 directs the Illinois Department of Insurance to conduct a comprehensive, time‑limited study of how nondriving factors are used in setting automobile and homeowners insurance premiums. The study is intended to evaluate fairness, consumer impacts, and whether regulatory changes are warranted to ensure rates are based primarily on risk of loss.

Key provisions

  • Requires the Department of Insurance to perform a comprehensive study of the use of nondriving factors (examples cited: credit score, occupation, education level, and other socioeconomic criteria) in auto and homeowners insurance premium-setting in Illinois.
  • Study elements must include:
    • Examination of how specific nondriving factors are currently used by insurers.
    • Assessment of the relationship between those factors and claims costs, loss ratios, and actual insured risk.
    • Analysis of whether reliance on nondriving factors disproportionately affects low‑income individuals, communities of color, veterans, seniors, or other protected groups.
    • Comparative review of practices and any legal restrictions in other states.
    • Recommendations for statutory or regulatory changes to ensure insurance rates are fair, equitable, and primarily risk‑based.
  • Reporting requirement: Department must submit findings and recommendations to legislative leaders (President of the Senate, Speaker of the House, and the Minority Leaders of each chamber) by January 1, 2027.
  • Sunset: The Act creating the study is repealed on January 1, 2028.
  • Effective date: The Act takes effect upon becoming law.

Who is affected

  • Consumers who purchase automobile and homeowners insurance (particularly low‑income households and protected classes identified in the bill).
  • Insurance companies and rate‑setting practices in Illinois.
  • State regulators and the General Assembly (who will receive the report and may act on recommendations).

Procedural / timeline notes

  • Report due: January 1, 2027.
  • Study statute repealed: January 1, 2028.
  • The provided legislative action log shows filing, committee referrals, passage, enrollment, and an entry “Approved by Governor,” but dates in the metadata contain inconsistencies (see below).

Potential impact

  • The bill itself does not change pricing rules or prohibit insurer practices; it mandates a data‑driven review that could lead to future legislative or regulatory proposals to restrict or modify use of nondriving factors.
  • If the Department finds significant disparate impacts, recommended reforms could affect underwriting, rate‑filing practices, and consumer protections.

Notes / discrepancies

The supplied metadata includes conflicting titles and dates (the header references a tobacco‑related title, and some action dates appear out of chronological order). The bill text summarized above pertains to the insurance study Act. Verify final status and dates against the official Illinois General Assembly record before relying on timing or enactment details.

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

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