Insurance; motor vehicle policies; traffic record; rates; cancellation; renewal; first claim; hearing; effective date.

HB 2930 limits how Oklahoma insurance companies can use traffic records when setting premiums, canceling policies, or refusing renewals. It prohibits considering traffic complaints, citations, or accident reports older than three years (except reckless driving or certain offenses, which can be considered up to five years). The bill also bans insurers from using dismissed charges, acquittals, or arrests without charges to increase rates or cancel policies, and prevents cancellation solely for filing a first claim (after 45 days of coverage), with exceptions for nonpayment or fraud. The law takes effect November 1, 2026.