OK HB3802

Prohibits insurers from increasing motor vehicle liability insurance premiums solely because a named insured removes a deceased spouse from the policy

Removal of a deceased spouse cannot be treated as a material change in risk for underwriting, rating classification, or premium calculation purposes

Insurers may still increase premiums at renewal for legitimate reasons including changes in driving record, claims history, coverage elections, mileage, garaging location, or Oklahoma Insurance Department-approved rate changes applied uniformly

Premium increases imposed in violation of this prohibition are void and unenforceable, and insurers must refund any excess premium collected

Effective date: November 1, 2026