# Illinois SB3823: INSURANCE-AUTOMOBILE COVERAGE Illinois SB3823, INSURANCE-AUTOMOBILE COVERAGE, is a 104th General Assembly (2025–2026) Senate bill sponsored by Ram Villivalam (Democratic); status in committee, last action 2026-05-21 (Added as Co-Sponsor Sen. Mike Simmons) (as of 2026-10-25). - Canonical: https://policyrisk.com/state-bill/IL-SB3823-2025-2026 - As of: 2026-10-25 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Illinois SB3823 - State: Illinois - Session: 104th General Assembly (2025–2026) - Title: INSURANCE-AUTOMOBILE COVERAGE - Status: in committee - Chamber: Senate - Introduced: 2026-02-06 - Last action: 2026-05-21, Added as Co-Sponsor Sen. Mike Simmons - Sponsor: Ram Villivalam (Democratic) - Cosponsors: 25 - Subjects: assignments - Touches household money: no - Economic provisions PRIA read: 0 ## 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. ## Bill overview No economic impacts identified for this bill. ## Sponsors and cosponsors - Sponsor: Ram Villivalam (Democratic), Senate - Cosponsor: Adriane L. Johnson (Democratic), Senate - Cosponsor: Celina Villanueva (Democratic), Senate - Cosponsor: Christopher Belt (Democratic), Senate - Cosponsor: Cristina Castro (Democratic), Senate - Cosponsor: David Koehler (Democratic), Senate - Cosponsor: Doris Turner (Democratic), Senate - Cosponsor: Emil Jones, III (Democratic), Senate - Cosponsor: Graciela Guzmán (Democratic), Senate - Cosponsor: Javier L. Cervantes (Democratic), Senate - Cosponsor: Kimberly A. Lightford (Democratic), Senate - Cosponsor: Lakesia Collins (Democratic), Senate - Cosponsor: Laura Fine (Democratic), Senate - Cosponsor: Laura M. Murphy (Democratic), Senate - Cosponsor: Linda Holmes (Democratic), Senate - Cosponsor: Mark L. Walker (Democratic), Senate - Cosponsor: Mary Edly-Allen (Democratic), Senate - Cosponsor: Mattie Hunter (Democratic), Senate - Cosponsor: Michael E. Hastings (Democratic), Senate - Cosponsor: Michael W. Halpin (Democratic), Senate - Cosponsor: Mike Porfirio (Democratic), Senate - Cosponsor: Mike Simmons (Democratic), Senate - Cosponsor: Patrick J. Joyce (Democratic), Senate - Cosponsor: Paul Faraci (Democratic), Senate - Cosponsor: Rachel Ventura (Democratic), Senate - Cosponsor: Sara Feigenholtz (Democratic), Senate ## Actions (28) - 2026-05-21: Added as Co-Sponsor Sen. Mike Simmons (Senate) - 2026-04-17: Added as Co-Sponsor Sen. Emil Jones, III (Senate) - 2026-04-07: Added as Co-Sponsor Sen. Linda Holmes (Senate) - 2026-03-12: Added as Co-Sponsor Sen. Michael E. Hastings (Senate) - 2026-03-06: Added as Co-Sponsor Sen. Laura M. Murphy (Senate) - 2026-03-05: Added as Chief Co-Sponsor Sen. Lakesia Collins (Senate) - 2026-03-04: Added as Co-Sponsor Sen. Sara Feigenholtz (Senate) - 2026-03-04: Added as Co-Sponsor Sen. Kimberly A. Lightford (Senate) - 2026-03-04: Added as Chief Co-Sponsor Sen. Celina Villanueva (Senate) - 2026-02-26: Added as Co-Sponsor Sen. Graciela Guzmán (Senate) - 2026-02-25: Added as Co-Sponsor Sen. Patrick J. Joyce (Senate) - 2026-02-25: Added as Co-Sponsor Sen. Paul Faraci (Senate) - 2026-02-25: Added as Co-Sponsor Sen. Mark L. Walker (Senate) - 2026-02-20: Added as Co-Sponsor Sen. Michael W. Halpin (Senate) - 2026-02-19: Added as Co-Sponsor Sen. Rachel Ventura (Senate) - 2026-02-19: Added as Co-Sponsor Sen. Cristina Castro (Senate) - 2026-02-19: Added as Co-Sponsor Sen. David Koehler (Senate) - 2026-02-18: Added as Chief Co-Sponsor Sen. Mattie Hunter (Senate) - 2026-02-18: Added as Co-Sponsor Sen. Adriane L. Johnson (Senate) - 2026-02-17: Added as Co-Sponsor Sen. Mike Porfirio (Senate) - 2026-02-17: Added as Co-Sponsor Sen. Mary Edly-Allen (Senate) - 2026-02-17: Added as Co-Sponsor Sen. Javier L. Cervantes (Senate) - 2026-02-17: Added as Co-Sponsor Sen. Laura Fine (Senate) - 2026-02-11: Added as Co-Sponsor Sen. Christopher Belt (Senate) - 2026-02-11: Added as Co-Sponsor Sen. Doris Turner (Senate) - 2026-02-06: Referred to Assignments (Senate) - 2026-02-06: First Reading (Senate) - 2026-02-06: Filed with Secretary by Sen. Ram Villivalam (Senate) ## Bill text - Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3823.pdf) ## Related bills - SB1937: PENSION CODE-VARIOUS (passed senate) - HB5198: AFFORDABLE HOUSING-CILAS (passed house) - HB2563: CONDO-RESERVE STUDY (in committee) - HB4701: LIMITATIONS FACILITY FEES ACT (in committee) - SB3008: DHS-ABLE PROGRAM INFO MATERIAL (passed senate) - SB3484: VEH CD-PLATES-REGISTRATION (signed) ## Sources - [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3823.pdf) ## Related - [SB1937: PENSION CODE-VARIOUS](https://policyrisk.com/state-bill/IL-SB1937-2025-2026) - [HB5198: AFFORDABLE HOUSING-CILAS](https://policyrisk.com/state-bill/IL-HB5198-2025-2026) - [HB2563: CONDO-RESERVE STUDY](https://policyrisk.com/state-bill/IL-HB2563-2025-2026) - [HB4701: LIMITATIONS FACILITY FEES ACT](https://policyrisk.com/state-bill/IL-HB4701-2025-2026) - [SB3008: DHS-ABLE PROGRAM INFO MATERIAL](https://policyrisk.com/state-bill/IL-SB3008-2025-2026) - [SB3484: VEH CD-PLATES-REGISTRATION](https://policyrisk.com/state-bill/IL-SB3484-2025-2026) - [Illinois bills](https://policyrisk.com/states/illinois/bills) - [Illinois state hub](https://policyrisk.com/states/illinois) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/IL-SB3823-2025-2026 (as of 2026-10-25).