HB 1234 Illinois House · 104th Regular Session

INS RATEMAKING-AFFORDABILITY

Summary

Amends the Commission on Discrimination and Hate Crimes Act. Provides that the Commission on Discrimination and Hate Crimes shall research and identify any discriminatory practices used by insurance companies in the ratemaking process for home insurance and automobile insurance, including, but not limited to, the use of zip codes, credit scores, and age in a manner that results in inequitable rates being assessed to certain populations. Provides that, beginning with the report that is due by March 30, 2026, the Commission shall include any findings and recommendations it makes concerning discriminatory practices used by insurance companies in its report to the Governor and the General Assembly. Effective immediately.

Issues: ✓ Housing

Bill status passed 3 of 5 stages cleared

Introduction

Apr 2025

Committee Review

Jun 2025

House Passage

Apr 2025

Senate Passage

Governor

Introduced Apr 9, 2025 Last action Jun 2, 2025

Maddy AI version diff · 1 comparison

What changed between versions

Introduced → Engrossed · 4 edits · Apr 8, 2025

MODERATE

The bill was completely rewritten to shift the focus from the Commission on Discrimination and Hate Crimes to the Secretary of State. The original version required the Commission to study discriminatory insurance practices, while the new version mandates the Secretary of State to conduct a study on automobile insurance affordability and availability by January 1, 2026.

Scope change

The bill's scope changed from a hate crimes commission investigating discrimination to the Secretary of State investigating insurance market affordability and availability.

REQUIREMENT

Removed the requirement for the Commission on Discrimination and Hate Crimes to research discriminatory insurance practices.

Added a new requirement for the Secretary of State to conduct a study on automobile insurance affordability and availability by January 1, 2026.

TIMELINE

Changed the deadline for the report from March 30, 2026, to January 1, 2026.

SCOPE

Narrowed the study focus from general discriminatory practices (including home insurance) to specifically affordability and availability of automobile insurance.

Floor votes · House Apr 8, 2025

How they voted

69–39

Passed · 10 other

Total votes 118

Apr 8, 2025

D Democratic78

69 Yea 9

88% Yea

R Republican40

39 Nay 1

97% Nay

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Jun 2, 2025

Committee

Senate Committee Amendment No. 1 Rule 3-9(a) / Re-referred to Assignments

upper

Jun 2, 2025

Committee

Rule 3-9(a) / Re-referred to Assignments

upper

May 27, 2025

Upper · Passed

Senate Committee Amendment No. 1 Postponed - Insurance

upper

May 27, 2025

Upper · Passed

Senate Committee Amendment No. 1 Assignments Refers to Insurance

upper

May 23, 2025

Upper · Passed

Rule 2-10 Committee Deadline Established As June 1, 2025

upper

May 21, 2025

Committee

Senate Committee Amendment No. 1 Referred to Assignments

upper

May 21, 2025

Introduced

Senate Committee Amendment No. 1 Filed with Secretary by Sen. Ram Villivalam

upper

May 20, 2025

Committee

Assigned to Insurance

upper

May 20, 2025

Upper · Passed

Rule 2-10 Committee Deadline Established As May 23, 2025

upper

Apr 9, 2025

Committee

Referred to Assignments

upper

Apr 9, 2025

Introduced

Arrive in Senate

upper

Apr 8, 2025

Lower · Passed

Third Reading - Short Debate - Passed 070-039-000

lower

Mar 18, 2025

Lower · Passed

Do Pass as Amended / Short Debate Insurance Committee; 011-006-000

lower

Mar 18, 2025

Lower · Passed

House Committee Amendment No. 1 Adopted in Insurance Committee; by Voice Vote

lower

Mar 18, 2025

Lower · Passed

House Committee Amendment No. 1 Rules Refers to Insurance Committee

lower

Mar 13, 2025

Committee

House Committee Amendment No. 1 Referred to Rules Committee

lower

Mar 13, 2025

Introduced

House Committee Amendment No. 1 Filed with Clerk by Rep. Rita Mayfield

lower

Feb 11, 2025

Committee

Assigned to Insurance Committee

lower

Jan 28, 2025

Committee

Referred to Rules Committee

lower

2 primary · 30 co-sponsors