Plain English Breakdown
The official status indicates the bill passed both chambers and reached final enrollment, but no effective date is listed in the source material.
Consumer Driving Data Protection Act of 2026
This law allows drivers to choose telematics for their insurance rates while setting strict rules on how that data is collected, used, and deleted.
What This Bill Does
- Allows consumers to opt in to using telematics to help establish their driving record for car insurance.
- Limits the use of telematics data only to rating private passenger automobile insurance policies.
- Requires insurers to get written or electronic consent from drivers before collecting tracking data.
- Mandates that companies delete all collected telematics data immediately after assigning an insurance rate.
- Prohibits keeping driving data for longer than six months and bans recording audio or video of people inside or outside the vehicle.
Who It Names or Affects
- Car owners who choose to use tracking devices for their insurance rates
- Insurance companies that offer telematics programs
- Third-party vendors that collect driving data on behalf of insurers
Terms To Know
- Telematics
- Technology used to track and record vehicle movement, speed, braking, and other driving habits.
- Proposition 103
- A voter-approved law from 1988 that sets rules for how car insurance rates are calculated in California.
Limits and Unknowns
- The bill does not state a specific date when these new rules will officially begin.
- Insurers cannot require drivers to join telematics programs just to get discounts unless the commissioner approves it first.
- The law requires legislative findings about privacy limits, but the text provided does not list those specific details.