TX HB4556

Allows automobile insurance rating plans to assign rate consequences to charges or convictions for traffic violations under Subtitle C, Title 7 of the Transportation Code (Rules of the Road)

Permits insurers to increase automobile insurance premiums based on traffic violation charges or convictions

Removes the previous prohibition that prevented insurers from using traffic violations to affect insurance rates, reversing existing consumer protections

Removes the exemption that previously excluded insurance written under Chapter 2151 (Texas Automobile Insurance Plan Association) from these rating plan rules

Applies to insurance policies delivered, issued, or renewed on or after January 1, 2026, with the act taking effect September 1, 2025