Legislation

* § 2341. Prohibition against the use of employment, education,
homeownership, and zip code for private passenger motor vehicle
insurance rates. (a) An insurer shall not use the following factors as
the sole basis for initial tier placement, tier movement, or the
establishment of rates for motor vehicle insurance subject to section
three thousand four hundred twenty-five of this chapter:

(1) occupational status or type of occupation;

(2) education level attained;

(3) homeownership; and

(4) the zip code in which the motor vehicle is principally garaged,
provided, however, that an insurer may use a group of contiguous zip
codes in accordance with section two thousand three hundred seven of
this article.

(b) Nothing in this section shall be construed to prohibit:

(1) consideration of occupational status or type of occupation to
determine whether a motor vehicle is used for a business or commuting
purpose; or

(2) consideration of occupation to the extent strictly necessary to
offer policies pursuant to a mass merchandising plan; or

(3) any actuarially justified discounts approved by the
superintendent.

* NB Effective November 23, 2026