An Act relative to auto insurance costs for traditionally low-and moderate income communities

HD 845 requires Massachusetts' insurance commissioner to study how zip code location affects auto insurance rates. The study will compare premiums for drivers with similar driving records across low-, moderate-, and high-income zip codes, evaluate local risk factors, and assess whether rates disproportionately impact low- and moderate-income drivers. Findings must be submitted to state legislative committees by December 2026. This bill directs an investigation into potential rate disparities but does not change insurance costs or policies immediately.