Georgia General Assembly · Full text

SB 506: Regulation of Rates; vehicle insurers from using any geographic classifications in vehicle insurance policies; prohibit

Introduced version, the latest LegiScan holds · Last action February 17, 2026 · Introduced

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Senate Bill 506

By: Senators Parkes of the 7th, Orrock of the 36th, Parent of the 44th, Jones II of the 22nd, Mangham of the 55th and others

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 prohibit vehicle insurers from using any geographic classifications in vehicle insurance policies; 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 in Code Section 33-9-4, relating to standards applicable to making and use of rates, by striking "and" at the end of paragraph (9), by replacing the period with a semicolon at the end of paragraph (10), and by adding new paragraphs to read as follows:

"(11) No insurer shall base any standard or rating plan on vehicle insurance, in whole or in part, directly or indirectly, upon any geographic identifier, including, but not limited to, a ZIP Code, postal code, census tract, neighborhood, municipality, or any other geographic classification used to group consumers based on location; and

(12) No insurer shall base any denial, refusal to issue, cancellation, nonrenewal, tier placement, surcharge, or increase in premiums on vehicle insurance, in whole or in part, directly or indirectly, upon any geographic identifier, including, but not limited to, a ZIP Code, postal code, census tract, neighborhood, municipality, or any other geographic classification used to group consumers based on location."

SECTION 2.

This Act shall become effective on January 1, 2027, and shall apply to all vehicle insurance policies issued, renewed, or modified on or after such date.

SECTION 3.

All laws and parts of laws in conflict with this Act are repealed.