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Bill

A 7597

Prohibits property and casualty insurance companies from increasing rates based on geolocation information

2025 Regular Session Introduced by Michaelle Solages

Prohibits property and casualty insurers from using geolocation data to raise premiums or influence pricing, shielding policyholders from location-based rate hikes.

REFERRED TO INSURANCE
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Bill Summary · A 7597

Bill Summary: A 7597

Overview

  • Bill Number: A 7597
  • Title: Prohibits property and casualty insurance companies from increasing rates based on geolocation information
  • Status: Referred to Insurance
  • Introduced: April 1, 2025
  • Sponsor: Michaelle C. Solages (primary)

Purpose

The bill intends to protect consumers from having their insurance premiums increased or rated up due to geolocation data. By restricting the use of geolocation information in underwriting, rating, or pricing decisions for property and casualty insurance, the measure seeks to ensure pricing decisions are not based on where a person lives or operates in a way that may be inequitable or prejudicial.

Key Provisions (as stated in the bill’s description)

  • Prohibit property and casualty insurers from increasing insurance rates on the basis of geolocation information.
  • The provision would apply to underwriting, rating, and pricing practices that affect premium calculations.
  • The bill would define or govern the use of “geolocation information” within the context of rating practices (specific definitions would appear in the full text).

Note: The available summary does not include the full text, so exact definitions, scope, exceptions, and enforcement mechanisms are not specified here. The actual bill text will determine precise language, permissible uses, and any carve-outs.

Affected Parties

  • Insurers: Property and casualty insurers would be barred from using geolocation data to justify rate increases.
  • Policyholders/Applicants: Consumers seeking or holding property and casualty insurance could benefit from potentially more uniform pricing not tied to geolocation.
  • Regulators: Insurance regulators would oversee compliance and enforce any provisions, penalties, or corrective actions outlined in the statute.

Procedural and Timeline Aspects

  • The bill was introduced on April 1, 2025 and immediately referred to the Insurance committee.
  • Ongoing process would typically include committee consideration, potential hearings or markup, and subsequent floor action (in the sponsoring chamber). If approved, it would move to the other legislative chamber (e.g., Senate) and, if passed, proceed to the Governor for signature or veto.
  • No multiple-stage dates or final enactment timeline are provided in the current information.

Context and Implications

  • The measure signals a policy stance toward limiting the influence of location data on insurance pricing, aligning with broader consumer protection objectives.
  • If enacted, insurers may need to adjust rating methodologies and data practices to ensure compliance.
  • The practical impact will depend on the bill’s full text, including any definitions, permissible data use, exceptions (if any), and enforcement provisions.

Next Steps

  • Monitor updates from the Insurance committee for potential hearings, amendments, and votes.
  • Review the full bill text for precise definitions, scope, and enforcement details once available.

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

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