S2763 • 2026

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.)

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Murray, Thompson, Mack
Last action: 2026-03-31
Official status: Committee recommended measure be held for further study
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 RELATING TO MOTOR AND OTHER VEHICLES -- MOTOR VEHICLE REPARATIONS ACT (Prohibits the consideration of an applicant's credit history in determining automobile insurance rates.)

What This Bill Does

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.)

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

2026-03-31 Committee
Committee recommended measure be held for further study
2026-03-27 Rhode Island General Assembly
Scheduled for hearing and/or consideration (03/31/2026)
2026-03-04 Rhode Island General Assembly
Introduced, referred to Senate Commerce

Official Summary Text

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.)

Current Bill Text

Read the full stored bill text

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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