HB 4655 Summary

• Prohibits insurers from establishing automobile insurance rates or classifications based on the zip code where an insured resides or works.

• Permits automobile insurance classification factors including driver age/experience, driver primacy, weekly mileage, vehicle type/characteristics, commuting distance, household vehicles/operators, and insurance amount.

• Adds earned income, dependents, coordination of benefits, and safety belt use as permitted classification factors for personal protection insurance coverage.

• Prohibits automobile insurance rates based on sex or marital status, and prohibits using the number of licensed household operators as an indirect measure of marital status.

• Requires insurers to establish merit rating plans with premium surcharges for at-fault accidents and traffic convictions, with surcharges limited to the time period the Secretary of State carries points on driving records.