AN ACT RELATING TO MOTOR AND OTHER VEHICLES -- MOTOR VEHICLE REPARATIONS ACT (Prohibits the consideration of an applicant's credit history in determining automobile insurance rates.)

S2763

2026 -- S 2763
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LC005598
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STATE OF RHODE ISLAND
IN GENERAL ASSEMBLY
JANUARY SESSION, A.D. 2026
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A N A C T
RELATING TO MOTOR AND OTHER VEHICLES -- MOTOR VEHICLE REPARATIONS
ACT

Introduced By:
Senators Murray, Thompson, and Mack

Date Introduced:
March 04, 2026

Referred To:
Senate Commerce
It is enacted by the General Assembly as follows:
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SECTION 1. Section 31-47-18 of the General Laws in Chapter 31-47 entitled "Motor
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Vehicle Reparations Act" is hereby amended to read as follows:
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31-47-18. Automobile liability insurance rates.
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Any general or public law to the contrary notwithstanding, the commissioner shall, after
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consulting with all insurers licensed to write automobile liability insurance in this state, promulgate
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regulations which provide that automobile liability insurance rates shall
not take into account the
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credit history or credit score of the applicant for insurance, but shall only
take into account the past
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claim experience of the applicant for the insurance and incorporate the principles used in so called
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“merit rating” or “experience rating” rate plans which are now in effect in other states.
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SECTION 2. This act shall take effect upon passage.
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LC005598
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EXPLANATION
BY THE LEGISLATIVE COUNCIL
OF
A N A C T
RELATING TO MOTOR AND OTHER VEHICLES -- MOTOR VEHICLE REPARATIONS
ACT
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This act would prohibit the consideration of an applicant's credit history in determining
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automobile insurance rates.
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This act would take effect upon passage.
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LC005598
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