Would Illinois ban credit scores in auto insurance?

SB3823 would prohibit insurers from using a credit score or credit-based insurance score to increase auto premiums or to cause nonrenewal or cancellation.

Would Illinois ban ZIP code pricing?

SB3823 would prohibit insurers from using an insured’s ZIP code in ways that increase premiums, cause nonrenewal, or lead to cancellation.

Does SB2691 change my premium right now?

No. SB2691 requires the Illinois Department of Insurance to study nondriving factors and submit findings and recommendations by January 1, 2027. It does not itself ban those factors.

What penalties would insurers face for false rate filing information?

Under the proposed Insurance Rate Fairness and Consumer Protection article, an insurer that submits false or misleading information in a rate request would face an immediate $100,000 penalty per offense and mandatory audits for the next 3 years.

Chicago Car Accident Blog | Crash News & Insurance Tips

Could Illinois ban ZIP code and credit score pricing in car insurance?

2026-04-27 08:10:37

Yes. Illinois lawmakers have introduced one bill that would directly ban insurers from using ZIP code, credit score, credit-based insurance score, and age over 65 to raise auto premiums or to trigger nonrenewal or cancellation, and another bill that would first require a statewide study of nondriving factors before broader restrictions move forward. If you drive in Chicago or anywhere in Illinois, watch Springfield bill action and read your renewal paperwork closely so you can spot which rating factors are affecting your price.

Illinois Scott's Law 2026 move-over rule after a crash

2026-04-23 12:12:10

Starting January 1, 2026, Illinois expands Scott's Law so drivers must yield to emergency vehicles displaying flashing lights whether the vehicle is stationary or moving. That change affects fault arguments, traffic charges, and injury claims after crashes involving Illinois State Police squad cars, fire apparatus, ambulances, tow trucks, and active roadside emergency scenes. If a crash happened near emergency lights, focus first on the exact vehicle position, the lights, lane availability, speed, and what the police report and scene evidence show.