MI HB6005

Prohibits insurers from using credit information, credit scores, insurance scores, or other measures of financial distress to establish or maintain rates or rating classifications for automobile insurance.

Expands prohibited rating factors for automobile insurance to include any category protected under the Elliott-Larsen Civil Rights Act, replacing the previous prohibition on sex-based discrimination alone.

Removes marital status as a prohibited rating factor and replaces "postal zone" with "territory in this state in which the insured resides" as a prohibited rating basis.

Requires insurers to offer eligible applicants the lowest available premium among affiliated insurers' rating plans when multiple plans apply to that person.

Clarifies that personal insurance definitions exclude automobile insurance and defines key terms including credit information, credit score, and insurance score for rating purposes.