Oklahoma legislation · 2026 Regular Session
Oklahoma HB3802: Insurance; motor vehicle liability; premiums; deceased spouse; material change; renewal; effective date.
Status: In committee, April 28, 2026
What the bill says
An Act relating to insurance; prohibiting insurers from increasing motor vehicle liability premiums based solely on removal of deceased spouse from policy; clarifying removal of a deceased spouse shall not be treated as a material change; clarifying section does not prevent increasing premiums at renewal for other reasons; establishing that any increase in violation shall be void; providing for codification; and providing an effective date.
From the engrossed text, April 27, 2026:
An Act relating to insurance; prohibiting insurers from increasing motor vehicle liability premiums based solely on removal of deceased spouse from policy; clarifying removal of a deceased spouse shall not be treated as a material change; clarifying section does not prevent increasing premiums at renewal for other reasons; establishing that any increase in violation shall be void; providing for codification; and providing an effective date. BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA: SECTION 1. NEW LAW A new section of law to be codified in the Oklahoma Statutes as Section 6093 of Title 36, unless there is created a duplication in numbering, reads as follows: It shall be unlawful for any insurer to increase a motor vehicle liability insurance policy premium based solely on the removal by a named insured of a deceased spouse from the policy. The removal of a deceased spouse shall not be treated as a material change in risk for purposes of underwriting, rating classification, or premium SENATE FLOOR VERSION - HB3802 SFLR Page (Bold face denotes Committee Amendments) calc ulation. Nothing in this section shall be construed as to prevent insurers from increasing premiums at renewal based on either documented changes in any actuarially supported risk factors not otherwise prohibited by law, including but not limited to driving record, claims history, …
Sponsors
- Ken Luttrell (R, HD-037)
- Eric Roberts (R, HD-083)
- Max Wolfley (R, HD-095)
- Mark Tedford (R, HD-069)
- Jonathan Wilk (R, HD-020)
- Stacy Jo Adams (R, HD-050)
- Mike Kelley (R, HD-060)
- Gabe Woolley (R, HD-098)
- Norwood, Kevin (R, 74)
- Chris Sneed (R, HD-014) · primary sponsor
Latest actions
- : Placed on General Order
- : Reported Do Pass Business and Insurance committee; CR filed
- : Coauthored by Representative Tedford
- : Coauthored by Representative Wolfley
- : Coauthored by Representative Woolley
- : Second Reading referred to Business and Insurance
- : First Reading
- : Engrossed, signed, to Senate
- : Referred for engrossment
- : Third Reading, Measure passed: Ayes: 95 Nays: 0
Votes
- Senate Business & Insurance Committee (April 23, 2026): 9 yea, 0 nay, passed
- Third Reading (March 24, 2026): 95 yea, 0 nay, passed
- Floor Vote (March 5, 2026): 15 yea, 0 nay, passed
- Insurance Committee (February 17, 2026): 8 yea, 0 nay, passed
- Floor Vote (February 17, 2026): 8 yea, 0 nay, passed
Subjects: Insurance
Common questions
- What is HB3802?
- HB3802 is a bill in the Oklahoma Legislature (2026 Regular Session): Insurance; motor vehicle liability; premiums; deceased spouse; material change; renewal; effective date.
- What does HB3802 do?
- In its own words: An Act relating to insurance; prohibiting insurers from increasing motor vehicle liability premiums based solely on removal of deceased spouse from policy; clarifying removal of a deceased spouse shall not be treated as a material change; clarifying section does not prevent increasing premiums at renewal for other reasons; establishing that any increase in violation shall be void; providing for codification; and providing an effective date.
- What is the status of HB3802?
- In committee as of April 28, 2026. Latest action: Placed on General Order (April 28, 2026).
- Who sponsored HB3802?
- Chris Sneed (R, HD-014), with 9 co-sponsors.
- Where is the official record for HB3802?
- On the Oklahoma Legislature website: https://www.oklegislature.gov/BillInfo.aspx?Bill=HB3802&Session=2600
Source: official Oklahoma record. Tracked by Delilah, AI for legislation across all 50 states and Congress.