An Act relative to insurance premium criteria

This bill prohibits insurance companies in Massachusetts from denying or charging higher rates for auto insurance based on factors such as age, sex, race, occupation, marital status, or specific geographic locations like zip codes. It also bars insurers from using these location-based criteria to set private passenger vehicle insurance rates or classify risks. Additionally, the legislation requires the state insurance commissioner to avoid establishing premiums or risk categories that rely on where a vehicle is primarily garaged or the broader geographical area. The law further mandates that insurance plans provide credits to companies that voluntarily cover drivers in these previously restricted classifications to ensure fair representation.