MI HB4617

Prohibits automobile insurers from using employment, trade, business, occupation, profession, education level, or credit history to refuse coverage, limit coverage, or charge different rates for automobile insurance.

Allows discounts for group, blanket, or franchise automobile insurance based on expense savings, but prohibits other rating factors listed above.

Restricts automobile insurance classifications to factors including driver age/experience, driver primacy, miles driven, type of use, vehicle characteristics, commuting mileage, number of cars/licensed operators, and accident prevention course completion.

Prohibits automobile insurers from establishing rates or classifications based on sex or marital status.

Adds definitions for "adverse action," "credit information," "insurance score," and "personal insurance" (which excludes automobile insurance); clarifies that non-credit information cannot be considered credit information regardless of where it appears.