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LouisianaHB 4132026 Regular SessionHouseWALLET

INSURANCE: Prohibits an insurer from utilizing a rating factor in an automobile insurance rate filing

Sponsored By: Kim Carver (Republican)

Signed by Governor

Insurance

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Louisiana drivers get limits on disaster-based rates

Beginning January 1, 2027, Louisiana insurers face a new limit on auto insurance rate filings. They cannot use a pricing factor based solely on catastrophe or natural-disaster losses when the disaster affected only other insurance lines. The factor remains allowed in multi-line policies, which cover more than one type of insurance. The law also allows other relevant factors available when filing, including calculations that follow accepted actuarial standards for measuring insurance risk. It does not set a dollar change in premiums.

Sponsors & Cosponsors

Sponsor

  • Kim Carver

    Republican • House

Cosponsors

  • Tehmi Jahi Chassion

    Democratic • House

Roll Call Votes

All Roll Calls

Yes: 147 • No: 0

Senate vote • 5/7/2026

Rules suspended. Read by title, passed by a vote of 34 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.

Yes: 34 • No: 0

House vote • 3/25/2026

Read third time by title, roll called on final passage, yeas 100, nays 0. Finally passed, title adopted, ordered to the Senate.

Yes: 100 • No: 0

House vote • 3/18/2026

Reported favorably

Yes: 13 • No: 0

Actions Timeline

  1. Signed by the Governor. Becomes Act No. 159.

    5/15/2026House

  2. Effective date: 01/01/2027.

    5/15/2026House

  3. Signed by the President of the Senate.

    5/12/2026Senate

  4. Sent to the Governor for executive approval.

    5/12/2026House

  5. Enrolled and signed by the Speaker of the House.

    5/11/2026House

  6. Rules suspended. Read by title, passed by a vote of 34 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.

    5/7/2026Senate

  7. Received from the Senate without amendments.

    5/7/2026House

  8. Reported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.

    4/28/2026Senate

  9. Read by title and referred to the Legislative Bureau.

    4/27/2026Senate

  10. Reported favorably.

    4/22/2026Senate

  11. Read second time by title and referred to the Committee on Insurance.

    3/30/2026Senate

  12. Read third time by title, roll called on final passage, yeas 100, nays 0. Finally passed, title adopted, ordered to the Senate.

    3/25/2026House

  13. Received in the Senate. Read first time by title and placed on the Calendar for a second reading.

    3/25/2026Senate

  14. Read by title, ordered engrossed, passed to 3rd reading.

    3/23/2026House

  15. Scheduled for floor debate on 03/25/2026.

    3/23/2026House

  16. Reported favorably (13-0).

    3/18/2026House

  17. Read by title, under the rules, referred to the Committee on Insurance.

    3/9/2026House

  18. First appeared in the Interim Calendar on 2/27/2026.

    2/27/2026House

  19. Prefiled.

    2/25/2026House

  20. Under the rules, provisionally referred to the Committee on Insurance.

    2/25/2026House

Bill Text

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