HB1319: HB1319 Insurance; premium discount for motor vehicles with certain antitheft devices; provisions

Georgia law does not currently spell out a specific insurance discount for vehicles equipped with antitheft kill switches. This bill would add a new section to the state's insurance code letting insurers that sell private passenger auto insurance or commercial motor vehicle insurance offer a premium discount for vehicles fitted with an aftermarket kill switch designed to stop unauthorized use. The discount would apply specifically to comprehensive coverage, the part of an auto policy that covers theft and non-collision damage, and would have to be approved by the Commissioner of Insurance as part of the insurer's normal rate filing process. The bill defines 'antitheft device' narrowly, excluding ignition interlock devices used for DUI cases. The Commissioner would be allowed to write rules to carry out the provision. The law would take effect July 1, 2026, and apply to rate filings submitted on or after that date.

• Adds a new Code section (O.C.G.A. § 33-9-45) letting insurers offer a premium discount for vehicles with aftermarket antitheft kill switches.
• Limits the discount to comprehensive coverage within private passenger and commercial motor vehicle insurance policies.
• Requires the Commissioner of Insurance to approve the discount as part of an insurer's rate filing before it can be used.
• Gives the Commissioner authority to create rules and regulations to implement the discount program.
• Defines 'antitheft device' as an aftermarket kill switch, specifically excluding ignition interlock devices used in DUI cases.
• Sets an effective date of July 1, 2026, applying to rate filings submitted on or after that date.

Insurance companies that write private passenger auto or commercial motor vehicle policies in Georgia, drivers who install aftermarket antitheft kill switches, and the Georgia Commissioner of Insurance, who must approve any resulting rate filings and may issue implementing rules.

Drivers who install a qualifying kill switch could see a lower comprehensive coverage premium, though the bill makes the discount optional for insurers rather than mandatory. Insurers gain explicit legal authority to build such discounts into their rate filings, subject to state approval.

• Section 1 adds new Code Section 33-9-45 to Chapter 9 of Title 33, defining 'antitheft device' as an aftermarket kill switch and excluding ignition interlock devices under O.C.G.A. § 42-8-110.
• Subsection (b) permits, but does not require, authorized insurers to offer a premium discount for vehicles with antitheft devices, applicable only to comprehensive coverage and subject to rate filing approval.
• Subsection (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, applying to rate filings submitted on or after that date.
• Section 3 repeals any conflicting laws.

1. 2026-02-19House Second Readers (House)
2. 2026-02-18House First Readers (House)
3. 2026-02-17House Hopper (House)

• Kasey Carpenter (R, HD-004)Primary sponsor

• auto insurance
• car theft prevention
• insurance regulation
• vehicle antitheft devices