No-Fault Insurance Price Optimization Prohibition

Current understanding

To be populated as evidence accumulates.

2026-06-25 — Consumer protection: other; use of surveillance pricing in the sale of certain goods and services; prohibit. Amends sec. 3 of 1976 PA 331 (MCL 445.903) & adds sec. 3q. TIE BAR WITH: HB 6099’26: cross-connection with surveillance-pricing-consumer-protection: Related policy thread restricting data-driven individualized pricing — no-fault insurance price optimization ban parallels the general surveillance pricing prohibition. (novelty: 3)
2026-03-19 — Consumer protection: other; surveillance pricing; prohibit. Amends secs. 3, 5 & 11 of 1976 PA 331 (MCL 445.903 et seq.) & adds sec. 3p.: cross-connection with surveillance-pricing-prohibition: Both target data-driven individualized pricing practices — surveillance pricing broadly under consumer protection law, and price optimization specifically in no-fault auto insurance. (novelty: 3)
2026-07-02 — Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Amends secs. 2109 & 2119 of 1956 PA 218 (MCL 500.2109 & 500.2119).: 2026-07-03 — SB1013 (passed chamber) would amend secs. 2109 & 2119 of the Insurance Code (1956 PA 218, MCL 500.2109 & 500.2119) to prohibit insurers from using price optimization when determining no-fault auto insurance rates. (novelty: 3)