OK HB2930

Insurance carriers cannot base premium rates, cancellations, or policy refusals on traffic records more than 3 years old, with serious offenses (DUI, reckless driving) extendable to 5 years

Traffic complaints, citations, or charges cannot be used against policyholders who were acquitted, had no charges filed, or had charges dismissed

Insurers cannot cancel, refuse to renew, or increase premiums on policies in effect more than 45 days solely because the insured filed their first claim

Exceptions allow adverse action for nonpayment, fraud, serious driving offenses (DUI, reckless driving), or Insurance Commissioner determination of state law violations

Effective date: November 1, 2026