Private Passenger Motor Vehicle Insurance - Use of Programs That Measure the Operation of an Insured Vehicle

SB 351 requires Maryland auto insurers to disclose when they use programs that track driving behavior (like speed or braking) and establish clear processes for policyholders to correct errors in that data. It limits the types and amount of driving data insurers can collect, bans using such data to cancel policies or refuse renewals, and prohibits insurers from raising premiums in increments of less than six months after a policy starts. The law also mandates insurers to adopt governance plans to prevent unfair discrimination in how driving data affects rates. These changes apply to all private passenger vehicle insurance policies in Maryland, taking effect October 1, 2026.