IllinoisSB3823104th General Assembly (2025–2026)Senate

INSURANCE-AUTOMOBILE COVERAGE

Sponsored By: Ram Villivalam (Democratic)

In Committee

Summary

Amends the Illinois Insurance Code. Provides that no company may impose renewal premium increases of more than 10% for specified lines of business unless the company mails or delivers by electronic means to the named insured and by electronic means to the Department of Insurance notice of the increase in renewal premium at least 60 days prior to the renewal or anniversary date. Provides that the rates and premium charges for every policy of automobile liability insurance shall include appropriate reductions as determined by the insurer for any insured over age 55 upon successful completion of the National Safety Council's Defensive Driving Course or a motor vehicle crash prevention course, including an eLearning course, that is found by the Secretary of State to meet or exceed the standards of the National Safety Council's Defensive Driving Course's 4-hour (rather than 8-hour) classroom safety instruction program or eLearning course. Creates the Rates for Automobile Insurance Article. Provides that rates shall not be excessive, inadequate, or unfairly discriminatory. Provides that a rate is reasonable and not excessive, inadequate, or unfairly discriminatory if it is an actuarially sound estimate of the expected value of all future costs associated with an individual risk transfer. Prohibits insurance providers from using an insured's zip code; credit score, credit-based insurance score, or any insurance score that uses or relies upon an insured's credit score; or age, if the insured is over 65 years of age, in any manner that increases an insured's premium, results in a nonrenewal of an insurance policy, or leads to the cancellation of an insurance policy. Requires credible State-specific loss experience to be used in the development of rates whenever such data is available and statistically reliable, and, to meet actuarial standards of credibility, insurers may supplement State-specific loss experience with countrywide or regional loss experience. Makes other changes. Effective January 1, 2027.

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Bill Overview

No Economic Impacts Identified for this Bill

Sponsors & Cosponsors

Sponsor

  • Ram Villivalam

    Democratic • Senate

Cosponsors

  • Adriane L. Johnson

    Democratic • Senate

  • Celina Villanueva

    Democratic • Senate

  • Christopher Belt

    Democratic • Senate

  • Cristina Castro

    Democratic • Senate

  • David Koehler

    Democratic • Senate

  • Doris Turner

    Democratic • Senate

  • Emil Jones, III

    Democratic • Senate

  • Graciela Guzmán

    Democratic • Senate

  • Javier L. Cervantes

    Democratic • Senate

  • Kimberly A. Lightford

    Democratic • Senate

  • Lakesia Collins

    Democratic • Senate

  • Laura Fine

    Democratic • Senate

  • Laura M. Murphy

    Democratic • Senate

  • Linda Holmes

    Democratic • Senate

  • Mark L. Walker

    Democratic • Senate

  • Mary Edly-Allen

    Democratic • Senate

  • Mattie Hunter

    Democratic • Senate

  • Michael E. Hastings

    Democratic • Senate

  • Michael W. Halpin

    Democratic • Senate

  • Mike Porfirio

    Democratic • Senate

  • Mike Simmons

    Democratic • Senate

  • Patrick J. Joyce

    Democratic • Senate

  • Paul Faraci

    Democratic • Senate

  • Rachel Ventura

    Democratic • Senate

  • Sara Feigenholtz

    Democratic • Senate

Roll Call Votes

No roll call votes available for this bill.

Actions Timeline

  1. Added as Co-Sponsor Sen. Mike Simmons

    5/21/2026Senate
  2. Added as Co-Sponsor Sen. Emil Jones, III

    4/17/2026Senate
  3. Added as Co-Sponsor Sen. Linda Holmes

    4/7/2026Senate
  4. Added as Co-Sponsor Sen. Michael E. Hastings

    3/12/2026Senate
  5. Added as Co-Sponsor Sen. Laura M. Murphy

    3/6/2026Senate
  6. Added as Chief Co-Sponsor Sen. Lakesia Collins

    3/5/2026Senate
  7. Added as Co-Sponsor Sen. Sara Feigenholtz

    3/4/2026Senate
  8. Added as Co-Sponsor Sen. Kimberly A. Lightford

    3/4/2026Senate
  9. Added as Chief Co-Sponsor Sen. Celina Villanueva

    3/4/2026Senate
  10. Added as Co-Sponsor Sen. Graciela Guzmán

    2/26/2026Senate
  11. Added as Co-Sponsor Sen. Patrick J. Joyce

    2/25/2026Senate
  12. Added as Co-Sponsor Sen. Paul Faraci

    2/25/2026Senate
  13. Added as Co-Sponsor Sen. Mark L. Walker

    2/25/2026Senate
  14. Added as Co-Sponsor Sen. Michael W. Halpin

    2/20/2026Senate
  15. Added as Co-Sponsor Sen. Rachel Ventura

    2/19/2026Senate
  16. Added as Co-Sponsor Sen. Cristina Castro

    2/19/2026Senate
  17. Added as Co-Sponsor Sen. David Koehler

    2/19/2026Senate
  18. Added as Chief Co-Sponsor Sen. Mattie Hunter

    2/18/2026Senate
  19. Added as Co-Sponsor Sen. Adriane L. Johnson

    2/18/2026Senate
  20. Added as Co-Sponsor Sen. Mike Porfirio

    2/17/2026Senate
  21. Added as Co-Sponsor Sen. Mary Edly-Allen

    2/17/2026Senate
  22. Added as Co-Sponsor Sen. Javier L. Cervantes

    2/17/2026Senate
  23. Added as Co-Sponsor Sen. Laura Fine

    2/17/2026Senate
  24. Added as Co-Sponsor Sen. Christopher Belt

    2/11/2026Senate
  25. Added as Co-Sponsor Sen. Doris Turner

    2/11/2026Senate

Bill Text

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