1 of 1
HOUSE DOCKET, NO. 845 FILED ON: 1/13/2025
HOUSE . . . . . . . . . . . . . . . No. 1265
The Commonwealth of Massachusetts
_________________
PRESENTED BY:
Frank A. Moran
_________________
To the Honorable Senate and House of Representatives of the Commonwealth of Massachusetts in General
Court assembled:
The undersigned legislators and/or citizens respectfully petition for the adoption of the accompanying bill:
An Act relative to auto insurance costs for traditionally low-and moderate income communities.
_______________
PETITION OF:
NAME:DISTRICT/ADDRESS :DATE ADDED:Frank A. Moran17th Essex1/13/2025 1 of 1
HOUSE DOCKET, NO. 845 FILED ON: 1/13/2025
HOUSE . . . . . . . . . . . . . . . No. 1265
By Representative Moran of Lawrence, a petition (accompanied by bill, House, No. 1265) of
Frank A. Moran relative to auto insurance costs for traditionally low-and moderate income
communities. Financial Services.
The Commonwealth of Massachusetts
_______________
In the One Hundred and Ninety-Fourth General Court
(2025-2026)
_______________
An Act relative to auto insurance costs for traditionally low-and moderate income communities.
Be it enacted by the Senate and House of Representatives in General Court assembled, and by the authority
of the same, as follows:
1 The commissioner of insurance shall conduct an investigation and study of the impact of
2geographic location data in automobile insurance rate calculation. The commissioner shall
3evaluate, at a minimum: (1) the automobile insurance premiums for each zip code in the
4commonwealth; (2) the difference in automobile insurance premiums for drivers with equivalent
5driving factors, such as accidents and miles driven per year, in low income, moderate income,
6and high income zip codes; (3) the risk factors for each zip code in the commonwealth; and (4)
7the discriminatory impact on drivers in low and moderate income zip codes. The commissioner
8shall make recommendations and shall submit findings to the joint committee on transportation
9and to the house and senate committees on ways and means not later than December 31, 2026.