--- title: HB 1319. Insurance; premium discount for motor vehicles with certain antitheft devices; provisions collection: bills id: 2025-2026/hb1319 cite_as: HB 1319, 2025-2026 Regular Session (Ga.) canonical_url: https://georgiacommons.org/bills/2025-2026/hb1319 md_url: https://georgiacommons.org/bills/2025-2026/hb1319.md text_url: https://georgiacommons.org/bills/2025-2026/hb1319/text source_url: https://www.legis.ga.gov/legislation/73248 date: 2026-02-19 status: introduced corpus_version: bills-2026-09-13 license: Public record of the Georgia General Assembly, via LegiScan; see about.md publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice. up: https://georgiacommons.org/bills/2025-2026.md previous: https://georgiacommons.org/bills/2025-2026/hb1318.md next: https://georgiacommons.org/bills/2025-2026/hb1320.md index: https://georgiacommons.org/bills/index.md omitted: votes and history omitted_chars: 129 omitted_url: https://georgiacommons.org/bills/2025-2026/hb1319.md?full=1 bill_number: HB 1319 session: 2025-2026 Regular Session session_slug: 2025-2026 chamber: House bill_type: bill status_date: 2026-02-17 last_action: House Second Readers sponsors: - Kasey Carpenter text_version: Introduced has_text: true legiscan_url: https://legiscan.com/GA/bill/HB1319/2025 upstream_id: 2118538 summaries_model: claude-sonnet-5 topic_tags: - auto insurance - insurance rates - vehicle theft prevention - insurance regulation --- # HB 1319. Insurance; premium discount for motor vehicles with certain antitheft devices; provisions ## Text House Bill 1319 By: Representative Carpenter of the 4th A BILL TO BE ENTITLED AN ACT To amend Chapter 9 of Title 33 of the Official Code of Georgia Annotated, relating to regulation of rates, underwriting rules, and related organizations, so as to provide for a premium discount for motor vehicles with certain antitheft devices in private passenger automobile insurance and commercial motor vehicle insurance that include comprehensive coverage; to provide for a definition; to provide for the Commissioner of Insurance to approve rate filings; to provide for rules and regulations; to provide for related matters; to provide for an effective date and applicability; to repeal conflicting laws; and for other purposes. BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA: SECTION 1. Chapter 9 of Title 33 of the Official Code of Georgia Annotated, relating to regulation of rates, underwriting rules, and related organizations, is amended by adding a new Code section to read as follows: "33-9-45. (a) As used in this Code section, the term 'antitheft device' means any aftermarket kill switch designed to prevent unauthorized use. Such term shall not include an ignition interlock device as such term is defined in Code Section 42-8-110. (b) Any insurer authorized to write private passenger automobile insurance or commercial motor vehicle insurance within this state may provide a premium discount for motor vehicles with antitheft devices. Such discounts shall apply to comprehensive coverage and shall be approved as part of the insurer's rate filing. (c) The Commissioner shall be authorized to promulgate any rules and regulations necessary for the implementation of the provisions of this Code section." SECTION 2. This Act shall become effective on July 1, 2026, and shall apply to all private passenger automobile insurance rate filings submitted on or after such date. SECTION 3. All laws and parts of laws in conflict with this Act are repealed. ## Summaries written by Georgia Commons The following was written by claude-sonnet-5 from the text above and is not part of the bill. Quote the text, not the summary. A Georgia House bill would let auto insurers offer premium discounts on comprehensive coverage for vehicles equipped with aftermarket antitheft kill switches, starting July 1, 2026. ### Plain-language summary Georgia law does not currently address insurance discounts tied to antitheft devices installed after a vehicle is purchased. This bill would add a new section to the state's insurance code allowing (but not requiring) insurers that sell private passenger auto or commercial motor vehicle insurance to offer a premium discount for vehicles fitted with an aftermarket kill switch designed to prevent unauthorized use. The discount would apply specifically to comprehensive coverage, the part of an auto policy that covers non-collision losses like theft. Insurers would have to get any such discount approved through their normal rate filing process with the Commissioner of Insurance, who would also be authorized to write rules to implement the law. The bill defines antitheft device narrowly, excluding ignition interlock devices used for DUI cases. It would take effect July 1, 2026, and apply to rate filings submitted on or after that date. ### What it does - Adds a new Code section (O.C.G.A. ยง 33-9-45) allowing insurers to offer a premium discount for vehicles with aftermarket antitheft kill switches. - Limits the discount to comprehensive coverage within private passenger auto and commercial motor vehicle insurance policies. - Requires any such discount to go through the insurer's standard rate filing process for approval by the Commissioner of Insurance. - Gives the Commissioner authority to create rules and regulations to carry out the new discount provision. - Defines 'antitheft device' as an aftermarket kill switch, explicitly excluding ignition interlock devices used in DUI cases. - Sets the law to take effect July 1, 2026, applying to rate filings submitted on or after that date. ### Who it affects Auto insurance companies licensed to sell private passenger or commercial motor vehicle policies in Georgia, vehicle owners who install aftermarket antitheft kill switches, and the Georgia Commissioner of Insurance, who would review related rate filings and could issue implementing rules. ### Why it matters Georgia drivers who install antitheft kill switches could see lower comprehensive coverage premiums if their insurer chooses to offer the discount, since the bill makes it optional rather than mandatory. Insurers would gain a clear legal basis to file such discounts, and the Commissioner would oversee approval. ### Key provisions - Section 1 creates new Code Section 33-9-45, defining 'antitheft device' as an aftermarket kill switch that is not an ignition interlock device. - Section 1(b) permits insurers to offer a premium discount on comprehensive coverage for vehicles with these devices, subject to rate filing approval. - Section 1(c) authorizes the Commissioner of Insurance to adopt rules and regulations to implement the discount. - Section 2 sets the effective date as July 1, 2026, and applies it to rate filings submitted on or after that date. - Section 3 repeals any conflicting laws. ## Status - Status: Introduced (2026-02-17) - Last action: House Second Readers (2026-02-19) - Sponsors: Kasey Carpenter - Official page: https://www.legis.ga.gov/legislation/73248 > The history, votes, and amendments (129 characters) are at https://georgiacommons.org/bills/2025-2026/hb1319.md?full=1