MI SB0166

Amends the Insurance Code of 1956 to prohibit insurers from grouping automobile and home insurance risks by territory or basing rates on territory or location of risk.

For automobile insurance, limits classifications to specified factors including driver age, driving experience, driver primacy, mileage, vehicle type, and safety features, applied uniformly statewide.

Requires insurers to establish merit rating plans for automobile insurance that impose surcharges based on at-fault accidents and traffic violations, with surcharge periods not exceeding the Secretary of State's point retention period.

Prohibits automobile insurance rating based on sex or marital status and requires senior citizens (age 65+) who drive less than 3,000 miles annually to receive reduced rates.

For home insurance, limits classifications to coverage amounts, safety devices, structural defects, fire protection class, construction type, prior claims, smoking use, fire hydrant distance, and law enforcement availability.