{"id":39370,"date":"2026-05-29T10:59:48","date_gmt":"2026-05-29T15:59:48","guid":{"rendered":"https:\/\/www.thexradio.com\/news\/?p=39370"},"modified":"2026-05-29T10:59:48","modified_gmt":"2026-05-29T15:59:48","slug":"insurance-regulation-bills-clear-general-assembly","status":"publish","type":"post","link":"https:\/\/www.thexradio.com\/news\/local-news\/39370-insurance-regulation-bills-clear-general-assembly\/","title":{"rendered":"Insurance Regulation Bills Clear General Assembly"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"javascript: window.print()\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_self\" ><img decoding=\"async\" src=\"https:\/\/www.thexradio.com\/news\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Print Content\" \/><span class=\"pdfprnt-button-title pdfprnt-button-print-title\">Print<\/span><\/a><\/div><p><span style=\"font-weight: 400;\">Democratic Rep. Thaddeus Jones speaks on the House floor on his way to passing a pair of bills to regulate the homeowner and auto insurance industries. (Capitol News Illinois photo by Jenna Schweikert)<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Pritzker says he\u2019ll sign legislation to regulate auto, homeowners insurance rates<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">By PETER HANCOCK<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Capitol News Illinois<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><a href=\"mailto:phancock@capitolnewsillinois.com\"><span style=\"font-weight: 400;\">phancock@capitolnewsillinois.com<\/span><\/a><\/p>\n<p><b>Article Summary<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The House gave final passage Wednesday to bills giving the Illinois Department of Insurance authority to review and approve rates for homeowners and automobile insurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Both bills prohibit companies from charging \u201cexcessive, inadequate, or unfairly discriminatory\u201d rates and prohibit them from shifting the cost of losses in other states onto Illinois consumers.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insurance industry lobby groups warn that the increased regulation could lead to higher costs for consumers in the long run.<\/span><\/li>\n<\/ul>\n<p><i><span style=\"font-weight: 400;\">This summary was written by the reporters and editors who worked on this story.\u00a0<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">SPRINGFIELD \u2014 Gov. JB Pritzker says he looks forward to signing a pair of bills that cleared the Illinois House on Wednesday giving the state Insurance Department authority to regulate premiums charged for automobile and homeowners insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cToo many families have dealt with unexplained, unfair insurance price hikes on their homes and cars, so this legislation helps protect consumers while maintaining the core principles the Illinois business community is built on,\u201d Pritzker said in a statement Wednesday night.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pritzker <\/span><a href=\"https:\/\/capitolnewsillinois.com\/news\/pritzker-seeks-more-regulatory-authority-over-homeowners-insurance-business\/\"><span style=\"font-weight: 400;\">first called<\/span><\/a><span style=\"font-weight: 400;\"> for regulating homeowners insurance rates last summer after Bloomington-based State Farm Insurance, one of the largest homeowners carriers in the nation, announced a 27.2% average rate increase across the state. He suggested at the time that State Farm and other companies were trying to shift disaster-related losses from other states onto the backs of Illinois consumers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Although the insurance industry strongly denied that charge, the debate served to highlight the fact that Illinois, unlike most other states, has no law prohibiting companies from charging \u201cexcessive, inadequate, or unfairly discriminatory\u201d premiums.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At the same time, Secretary of State Alexi Giannoulias called for putting tighter controls on auto insurance rates, alleging consumers \u2014 especially those in low-income communities \u2014 were being harmed by companies that base their rates on factors unrelated to their driving record, such as ZIP codes and credit ratings.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For Pritzker, the two bills represent a continuation of his push to put greater controls on the Illinois insurance industry. In <\/span><a href=\"https:\/\/capitolnewsillinois.com\/news\/pritzker-signs-bills-altering-illinois-health-insurance-market\/\"><span style=\"font-weight: 400;\">2023<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/capitolnewsillinois.com\/news\/pritzker-signs-health-insurance-reform-measures\/\"><span style=\"font-weight: 400;\">2024<\/span><\/a><span style=\"font-weight: 400;\">, he successfully pushed legislation giving the Insurance Department authority to review and approve rates for small- and large-group health insurance plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In a joint statement, however, the Illinois Insurance Association, the American Property Casualty Insurance Association and the National Association of Mutual Insurance Companies all warned that increased regulation of insurance premiums will do nothing to address what they say are the root causes of rate hikes \u2014 rising repair costs, more severe weather and legal system abuses. Instead, they said the bills are likely to result in even higher costs for consumers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThe impacts may not be felt immediately, but in the long term, the state\u2019s current highly competitive market is likely to suffer and consumers could ultimately pay the price through higher insurance costs and more limited coverage options,\u201d the industry groups said.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Both measures were sponsored in the House by Rep. Thaddeus Jones, D-Calumet City.<\/span><\/p>\n<p><b>Legislative details<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The final language of the homeowners insurance bill is contained in <\/span><a href=\"https:\/\/ilga.gov\/Legislation\/BillStatus\/FullText?LegDocId=210939&amp;DocName=10400HB4273sam001&amp;DocNum=4273&amp;DocTypeID=HB&amp;LegID=164764&amp;GAID=18&amp;SessionID=114&amp;SpecSess=&amp;Session=\"><span style=\"font-weight: 400;\">House Bill 4273<\/span><\/a><span style=\"font-weight: 400;\">, which passed the House 72-38 on Wednesday night. It requires companies to give policyholders at least 60 days\u2019 notice before raising premiums by more than 10%.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It also prohibits companies from charging \u201cexcessive, inadequate, or unfairly discriminatory rates\u201d and gives the Insurance Department authority to review company rate filings to determine if their rates meet that standard. And it prohibits companies from engaging in \u201ccost-shifting\u201d by requiring that rates be based on state-specific loss data.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Under the bill, companies would still be able to implement new rates as soon as they are filed with the Insurance Department. But the bill would give the department new authority to review those filings.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the department finds a company\u2019s rates do not meet the new standard, it would then have 60 days from the date of the filing to notify the company, which could then request a hearing to challenge the finding.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ultimately, though, if the department\u2019s finding stands, it would have authority to reject the rate filing and order the company to rebate any excess premiums it had collected under the filing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The bill applies to renewal notices and new rate filings dated on or after July 1, 2027.<\/span><\/p>\n<p><b>Automobile rates<\/b><\/p>\n<p><span style=\"font-weight: 400;\">A similar rate review process would apply to automobile insurance under the final language of <\/span><a href=\"http:\/\/ilga.gov\/Legislation\/BillStatus?DocNum=714&amp;GAID=18&amp;DocTypeID=SB&amp;LegId=158425&amp;SessionID=114\"><span style=\"font-weight: 400;\">Senate Bill 714<\/span><\/a><span style=\"font-weight: 400;\">, which passed the House 70-38 on Wednesday.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That bill also prohibits companies from charging excessive, inadequate or unfairly discriminatory rates. It does not, however, contain language prohibiting the use of factors such as residential ZIP codes or a driver\u2019s credit score in setting premiums.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In an interview Thursday, however, Giannoulias said the bill achieves what he set out to accomplish.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cWe&#8217;re now prohibiting rates that are excessive or discriminatory so that the pricing reflects actual risk rather than hidden formulas that create these inequities,\u201d he said. \u201cAnd it strengthens the Department of Insurance&#8217;s authority and timelines to review these filings, to challenge unjustified increases and require rebates if and when consumers are overcharged. \u2026 It was unfathomable to me that we&#8217;re one of only two states in America (with Wyoming) that doesn&#8217;t have any sort of accountability or transparency in the rulemaking, and the rulemaking process.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The bill also requires companies to give customers at least 30 days\u2019 notice of any rate increases greater than 10%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It also prohibits insurers from passing on out-of-state disaster costs to Illinois customers. And it expands access to premium discounts for drivers age 55 and over who complete an approved defensive driving program.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The bill takes effect July 1, 2027. Both bills now await Pritzker\u2019s signature.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/capitolnewsillinois.com\/\"><i><span style=\"font-weight: 400;\">Capitol News Illinois<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">\u00a0is a nonprofit, nonpartisan news service that distributes state government coverage to hundreds of news outlets statewide. It is funded primarily by the Illinois Press Foundation and the Robert R. McCormick Foundation.<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Democratic Rep. Thaddeus Jones speaks on the House floor on his way to passing a pair of bills to regulate the homeowner and auto insurance industries. (Capitol News Illinois photo [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":39371,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[19],"tags":[],"class_list":["post-39370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance Regulation Bills Clear General Assembly - Effingham&#039;s News and Sports Leader, 979XFM and KJ Country 102.3<\/title>\n<meta name=\"description\" content=\"Effingham&#039;s News and Sports Leader\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.thexradio.com\/news\/local-news\/39370-insurance-regulation-bills-clear-general-assembly\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance Regulation Bills Clear General Assembly - 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