Massachusetts legislation · 194th General Court
Massachusetts S820: An Act relative to reducing racial and socioeconomic inequities in auto insurance premium pricing
Status: In committee, April 15, 2026
What the bill says
From the introduced text, February 27, 2025:
Chapter 175E of the General Laws, as appearing in the 2022 Official Edition, is hereby amended by inserting, after section 4, the following section:- Section 4A. a) The following terms as used in this section shall have the following meanings: “Classification,” the process of grouping risks with similar risk characteristics so that differences in costs may be recognized. “Classification plan,” any plan, definition or rule for the classification of risks including, without limitation, classification by territory, driver or vehicle characteristics or use, and experience rating or merit rating plans. “Commissioner,” the Commissioner of Insurance, appointed pursuant to Section 6 of Chapter 26 of the General Laws, or his or her designee. “Expenses,” that portion of a rate attributable to acquisition, field supervision, collection expenses, general expenses, taxes, licenses, commissions, residual market loads and fees. “Filer,” the Insurer, Insurance Company Group or Rating Organization that files the rate at issue. “Insurance Company Group,” two or more Insurers under the same ownership or control, as defined in Section 206 of Chapter 175 of the General Laws. “Insurer,” any corporation, association, partnership, group or individual authorized to write private passenger motor vehicle insurance in Massachusetts. “Merit rating,” a rating procedure utilizing past motor vehicle accident and traffic violation experience of the operators insured under the policy to forecast future losses by measuring their …
Sponsors
- Pavel Payano (D) · primary sponsor
- Orlando Ramos (D, 9th Hampden)
- Manny Cruz (D)
Latest actions
- : Accompanied a new draft, see S3046
- : Reporting date extended to Monday April 6, 2026
- : Hearing scheduled for 05/27/2025 from 10:30 AM-01:00 PM in A-2
- : House concurred
- : Referred to the committee on Financial Services
Common questions
- What is S820?
- S820 is a bill in the Massachusetts Legislature (194th General Court): An Act relative to reducing racial and socioeconomic inequities in auto insurance premium pricing.
- What is the status of S820?
- In committee as of April 15, 2026. Latest action: Accompanied a new draft, see S3046 (April 15, 2026).
- Who sponsored S820?
- Pavel Payano (D), with 2 co-sponsors.
- Where is the official record for S820?
- On the Massachusetts Legislature website: https://malegislature.gov/Bills/194/S820
Source: official Massachusetts record. Tracked by Delilah, AI for legislation across all 50 states and Congress.