HB3482
View on ILGAINS-RATES CREDIT SCORE & AGE
What this bill does
Amends the Illinois Insurance Code. Provides that, when determining rates or premiums for certain automobile insurance policies, insurance issuers may not consider or otherwise use an individual's credit-based insurance score or age if the age of the insured is 50 years of age or more. Provides that a policy of automobile insurance, including any class of motor vehicle coverage, may not be canceled by the insurer solely because the insured has reached the age of 65 years so long as the insured has a valid Illinois driver's license. Prohibits an insurer from refusing to issue a renewal policy or increasing the premium for any policy solely because an insured has attained the age of 65 years or older. Prohibits providers of automobile insurance from considering any data obtained from applications on an insured's cellular phone or that may be installed, either at the time of manufacture or later, in the insured's motor vehicle for purposes of establishing premiums or rates with the express written consent of the insured. Prohibits providers from increasing rates or premiums on the basis that express written consent of the insured is withheld.
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Pipeline Progress
Current stage: In Committee · Last action 384 days ago · STAGNANT
How does a bill become law in Illinois?
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Introduction of Bill
A member of the Senate or the House introduces a bill, which is assigned a unique identifying number (e.g., "H.B. ___" for House bills and "S.B. ___" for Senate bills). If not enacted, it must be reintroduced in the next General Assembly with a new number.
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Committee Work — Hearings
The bill goes to the appropriate committee, which holds hearings to gather expert opinions and determine the need for the legislation.
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Committee Work — Markup, Amendments, Report
The committee may make amendments to the bill. If approved, a committee report endorsing the bill is issued.
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Floor Debate
The bill is debated and can be further amended. The debate transcripts are accessible online for public viewing.
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Passage and Consideration in Second Chamber
If the bill passes in the first chamber, it moves to the second chamber for a similar review process. If both chambers approve, it goes to the governor.
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Gubernatorial Action
The governor can sign the bill into law, veto it, or take no action (resulting in an automatic law after 60 days). The type of veto can be total or amendatory. Once signed, the bill becomes a Public Act and is assigned a Public Act number.
Sponsor Context
Public Engagement
Hearings
This bill has not been scheduled for a committee hearing.
Witness slips
12 slips filed. Proponent / opponent / no position as filed with the committee.
| Name | Organization | Representing | Position | Hearing committee | Hearing date |
|---|---|---|---|---|---|
| Gabriela Garza | Illinois Manufacturers' Association | Illinois Manufacturers' Association | Opponent | Insurance | 2025-03-20 |
| Jordan Ryan | Illinois Chamber of Commerce | Illinois Chamber of Commerce | Opponent | Insurance | 2025-03-20 |
| Kate Morthland | Illinois Life & Health Insurance Council | Illinois Life & Health Insurance Council | Opponent | Insurance | 2025-03-20 |
| Kelly Edwards | State Farm Mutual Automobile insurance Company | State Farm Mutual Automobile Insurance Company | Opponent | Insurance | 2025-03-20 |
| Brian Christenberry | National Association of Mutual Insurance Companies -NAMIC | National Association of Mutual Insurance Companies (NAMIC) | Opponent | Insurance | 2025-03-18 |
| Eric M Madiar | Madiar Government Relations LLC | American Property Casualty Insurance Association (APCIA) | Opponent | Insurance | 2025-03-18 |
| Jeffrey Junkas | Liberty Mutual Insurance | Liberty Mutual Insurance | Opponent | Insurance | 2025-03-18 |
| Jennifer W Hammer | JWHammer, LLC | National Association of Mutual Insurance Companies (NAMIC) | Opponent | Insurance | 2025-03-18 |
| Jordan Ryan | Illinois Chamber of Commerce | Illinois Chamber of Commerce | Opponent | Insurance | 2025-03-18 |
| Kate Morthland | Illinois Life & Health Insurance Council | Illinois Life & Health Insurance Council | Opponent | Insurance | 2025-03-18 |
| Kevin Martin | Illinois Insurance Association | Illinois Insurance Association | Opponent | Insurance | 2025-03-18 |
| Margaret A Houlihan Smith | CapitolHall Partners, LLC | Opponent | Insurance | 2025-03-18 |
Action History
8 actions recorded. Last action: 2025-03-21 — Rule 19(a) / Re-referred toRules Committee. Each action's meaning and outcome signal are classified automatically.
All actions (table)
| Date | Chamber | Action | Category | Signal |
|---|---|---|---|---|
| 2025-02-07 | House | Filed with the Clerk byRep. Rita Mayfield House Rule 6(b) | Introduction & Filing | — |
| 2025-02-18 | House | First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 | Introduction & Filing | — |
| 2025-02-18 | House | Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a) | Committee Assignment | — |
| 2025-02-20 | House | Chief Sponsor Changed toRep. Thaddeus Jones Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) | Cross-Chamber | — |
| 2025-02-20 | House | Added Chief Co-SponsorRep. Rita Mayfield Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-03-11 | House | Assigned toInsurance Committee Senate Rule 3-8(a); House Rule 18(b) | Committee Assignment | — |
| 2025-03-19 | House | ToInsurance Main Subcommittee Rule 3-3(b) | Committee Assignment | — |
| 2025-03-21 | House | Rule 19(a) / Re-referred toRules Committee House Rule 19(a); Senate analog: Rule 3-9(a) | Deadlines & Re-referrals | Mild − |