HB3802 • 2026

Insurance; motor vehicle liability; premiums; deceased spouse; material change; renewal; effective date.

Active

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

Sponsor: Sneed
Last action: 2026-04-28
Official status: Placed on General Order
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.

Insurance; motor vehicle liability; premiums; deceased spouse; material change; renewal; effective date.

What This Bill Does

Insurance; motor vehicle liability; premiums; deceased spouse; material change; renewal; effective date.
Bill Summaries/Fiscal Impact for HB 3802 (House): Introduced (2/17/2026) Bill Summaries/Fiscal Impact for HB 3802 (House): Floor Amendment 1 (3/24/2026)

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.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

1 Floor Amendment by SNEED

None

Filed

Plain English: HB3802 FA1 SneedCh-MJ 3/19/2026 9:35:26 am AMEND TITLE TO CONFORM TO AMENDMENTS Amendment submitted by: Chris Sneed Adopted: _____________________________ ______________________________________ Reading Clerk FLOOR AMENDMENT HOUSE OF REPRESENTATIVES State of Oklahoma SPEAKER: CHAIR: I move to amend HB3802 Of the printed Bill Page 2 Section 1 Line 4 Of the Engrossed Bill By inserting after the words "documented changes in" and before the words "driving record," the following language: "any actuarially supported risk factors not otherwise prohibited by law, including but not limited to"

HB3802 FA1 SneedCh-MJ 3/19/2026 9:35:26 am AMEND TITLE TO CONFORM TO AMENDMENTS Amendment submitted by: Chris Sneed Adopted: _____________________________ ______________________________________ Reading Clerk FLOOR AMENDMENT HOUSE OF REPRESENTATIVES State of Oklahoma SPEAKER: CHAIR: I move to amend HB3802 Of the printed Bill Page 2 Section 1 Line 4 Of the Engrossed Bill By inserting after the words "documented changes in" and before the words "driving record," the following language: "any actuarially supported risk factors not otherwise prohibited by law, including but not limited to"

Bill History

2026-04-28 Senate
Placed on General Order
2026-04-23 Senate
Coauthored by Representative Tedford
2026-04-23 Senate
Reported Do Pass Business and Insurance committee; CR filed
2026-04-21 Senate
Coauthored by Representative Wolfley
2026-04-13 Senate
Coauthored by Representative Woolley
2026-04-01 Senate
Second Reading referred to Business and Insurance
2026-03-25 House
Engrossed, signed, to Senate
2026-03-25 Senate
First Reading
2026-03-24 House
General Order
2026-03-24 House
Coauthored by Representative(s) Kelley, Roberts
2026-03-24 House
Authored by Senator Frix (principal Senate author)
2026-03-24 House
Amended
2026-03-24 House
Third Reading, Measure passed: Ayes: 95 Nays: 0
2026-03-24 House
Referred for engrossment
2026-03-05 House
CR; Do Pass Commerce and Economic Development Oversight Committee
2026-03-05 House
Coauthored by Representative(s) Luttrell, Wilk
2026-02-18 House
Policy recommendation to the Commerce and Economic Development Oversight committee; Do Pass Insurance
2026-02-18 House
Coauthored by Representative(s) Adams, Norwood
2026-02-12 House
Withdrawn from Rules Committee
2026-02-12 House
Referred to Commerce and Economic Development Oversight
2026-02-12 House
Referred to Insurance
2026-02-03 House
Second Reading referred to Rules
2026-02-02 House
First Reading
2026-02-02 House
Authored by Representative Sneed

Official Summary Text

Insurance; motor vehicle liability; premiums; deceased spouse; material change; renewal; effective date.
Bill Summaries/Fiscal Impact for HB 3802 (House): Introduced (2/17/2026)
Bill Summaries/Fiscal Impact for HB 3802 (House): Floor Amendment 1 (3/24/2026)

Current Bill Text

Read the full stored bill text

ENGR. H. B. NO. 3802 Page 1
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

ENGROSSED HOUSE
BILL NO. 3802 By: Sneed, Adams, Norwood,
Luttrell, Wilk, Kelley, and
Roberts of the House

and

Frix of the Senate

An Act relating to insurance; prohibiting insurers
from increasing motor vehicle liability premiums
based solely on removal of deceased spouse from
policy; clarifying removal of a deceased spouse shall
not be treated as a material change; clarifying
section does not prevent increasing premiums at
renewal for other reasons; establishing that any
increase in violation shall be void; providing for
codification; and providing an effective date.

BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
SECTION 1. NEW LAW A new section of law to be codified
in the Oklahoma Statutes as Section 6093 of Title 36, unless there
is created a duplication in numbering, reads as follows:
It shall be unlawful for any insurer to increase a motor vehicle
liability insurance policy premium based solely on the removal by a
named insured of a deceased spouse from the policy. The removal of
a deceased spouse shall not be treated as a material change in risk
for purposes of underwriting, rating classification, or premium
calculation. Nothing in this section shall be construed as to

ENGR. H. B. NO. 3802 Page 2
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

prevent insurers from increasing premiums at renewal based on either
documented changes in any actuarially supported risk factors not
otherwise prohibited by law, including but not limited to driving
record, claims history, coverage elections, mileage, garaging
location, or other actuarially supported risk factors; or rate
changes approved by the Oklahoma Insurance Department that are
applied uniformly to a class of insureds. Any premium increase
imposed in violation of this section shall be void and
unenforceable, and the insurer shall refund any excess premium
collected.
SECTION 2. This act shall become effective November 1, 2026.
Passed the House of Representatives the 24th day of March, 2026.

Presiding Officer of the House
of Representatives

Passed the Senate the ___ day of __________, 2026.

Presiding Officer of the Senate