Revises territorial rating plans used by insurers writing private passenger automobile insurance.

This bill revises how auto insurers in New Jersey define geographic areas (territories) for setting private passenger car insurance rates. It requires insurers to use zip code+4 areas (more precise than current zip codes) that follow municipal boundaries, with a maximum of 100 territories per map - up from the current 50. The changes aim to create more accurate risk-based pricing by ensuring territories reflect actual driving conditions like traffic density, population, and loss severity, while preventing unfair rate differences between similar areas. These rules directly affect auto insurers and will apply to new rating plans filed after the bill's effective date.