Relating to disparate premiums for personal automobile insurance policies based on certain characteristics of the insured.

This bill prohibits Texas auto insurers from charging higher premiums for personal automobile insurance based on a policyholder's sex or marital status, affecting all insureds aged 21 and older. It requires insurers to charge the same rate for comparable policies regardless of these characteristics, applying to all insurers writing auto insurance in Texas. The law will take effect for new or renewed policies starting January 1, 2026, with the bill itself becoming effective September 1, 2025.