CT HB05465

The Insurance Commissioner must conduct a study of usage-based automobile liability insurance programs for new drivers in Connecticut.

The study shall assess requiring insurers to offer new drivers a 20 percent premium reduction if they allow the insurer to monitor their driving habits for one year through a mobile application.

The study shall evaluate the feasibility of mandating usage-based insurance programs by January 1, 2026.

The Insurance Commissioner must submit a report to the joint standing committee on insurance by January 1, 2025 with findings from the study.

Usage-based programs are defined as agreements allowing insurers to monitor driving habits including time of day, miles driven, speed, acceleration, deceleration, turns, and airbag deployment over one year via mobile application.