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H1265 • 2025

An Act relative to auto insurance costs for traditionally low-and moderate income communities

An Act relative to auto insurance costs for traditionally low-and moderate income communities

Active

The official status still shows this bill as active or still awaiting another formal step.

Sponsor
Frank A. Moran
Last action
2025-12-01
Official status
Accompanied a study order, see H4777
Effective date
Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

An Act relative to auto insurance costs for traditionally low-and moderate income communities

An Act relative to auto insurance costs for traditionally low-and moderate income communities By Representative Moran of Lawrence, a petition (accompanied by bill, House, No.

What This Bill Does

  • An Act relative to auto insurance costs for traditionally low-and moderate income communities By Representative Moran of Lawrence, a petition (accompanied by bill, House, No.
  • 1265) of Frank A.
  • Moran relative to auto insurance costs for traditionally low-and moderate income communities.
  • Financial Services.

Limits and Unknowns

  • This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

  1. 2025-12-01 House

    Accompanied a study order, see H4777

  2. 2025-05-20 Joint

    Hearing scheduled for 05/27/2025 from 10:30 AM-01:00 PM in A-2

  3. 2025-02-27 House

    Referred to the committee on Financial Services

  4. 2025-02-27 Senate

    Senate concurred

Official Summary Text

An Act relative to auto insurance costs for traditionally low-and moderate income communities
By Representative Moran of Lawrence, a petition (accompanied by bill, House, No. 1265) of Frank A. Moran relative to auto insurance costs for traditionally low-and moderate income communities. Financial Services.

Current Bill Text

Read the full stored bill text 
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Bill H.1265

The commissioner of insurance shall conduct an investigation and study of the impact of geographic location data in automobile insurance rate calculation. The commissioner shall evaluate, at a minimum: (1) the automobile insurance premiums for each zip code in the commonwealth; (2) the difference in automobile insurance premiums for drivers with equivalent driving factors, such as accidents and miles driven per year, in low income, moderate income, and high income zip codes; (3) the risk factors for each zip code in the commonwealth; and (4) the discriminatory impact on drivers in low and moderate income zip codes. The commissioner shall make recommendations and shall submit findings to the joint committee on transportation and to the house and senate committees on ways and means not later than December 31, 2026.

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