HB 1228 Virginia House of Delegates · 2026 Regular Session

Motor vehicle insurance; use of certain factors to establish rates prohibited.

Summary

Motor vehicle insurance; use of certain factors to establish rates prohibited. Prohibits an insurer from using any classification system, rating plan, rules or rates, or modifications based in whole or in part on consumer credit information or scores to establish rates for any motor vehicle insurance policy issued or renewed in the Commonwealth. The bill also prohibits an insurer from refusing to provide or refusing to continue to provide an individual with motor vehicle insurance coverage, limiting the amount or extent of motor vehicle insurance coverage, or charging an individual a different rate for the same motor vehicle insurance coverage solely because of an individual's consumer credit information or score.

Bill status in committee 1 of 4 stages cleared

Introduction

Jan 2026

Committee Review

Floor Vote

Governor

Introduced Jan 14, 2026 Last action Feb 5, 2026

Maddy AI version diff · 2 comparisons

What changed between versions

Labor and Commerce Substitute → Subcommittee #1 Subcommittee Substitute · 4 edits

MODERATE

The bill was transformed from a comprehensive insurance discrimination statute into a focused study directive. The original version prohibited unfair discrimination across multiple insurance types including life, health, and motor vehicle insurance, while the new version removes all substantive insurance provisions and instead directs the Bureau of Insurance to conduct a study on consumer credit usage in motor vehicle underwriting.

Scope change

The bill's scope changed from a broad anti-discrimination statute covering multiple insurance categories to a narrow study mandate focused exclusively on motor vehicle insurance underwriting practices.

SCOPE

Removed all substantive insurance provisions that prohibited unfair discrimination in life, health, accident, and motor vehicle insurance based on various factors including credit information, geographic location, age of property, domestic violence status, and organ donor status.

REQUIREMENT

Changed the bill from establishing legal prohibitions on discriminatory practices to requiring the Bureau of Insurance to conduct a study examining specific Code sections and determine if consumer credit usage appropriately sets insurance premiums.

TIMELINE

Maintained the October 1, 2026 deadline for submitting study findings and recommendations to the appropriate committee chairs.

TECHNICAL

Added formatting elements including bill number identifiers, session year headers, and page numbering that were not present in the original version.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Feb 3, 2026

Lower · Passed

House subcommittee offered

lower

Jan 27, 2026

Committee

Assigned HCL sub: Subcommittee #1

lower

Jan 14, 2026

Committee

Referred to Committee on Labor and Commerce

lower

1 primary · 0 co-sponsors