Bill Status of SB3823

  1. Home
  2. Legislation
  3. Bill Status

SB3823 - 104th General Assembly

INSURANCE-AUTOMOBILE COVERAGE
Last Action
2/06/2026 - Senate: Referred to Assignments
Statutes Amended In Order of Appearance
215 ILCS 5/143.17from Ch. 73, par. 755.17
215 ILCS 5/143.29from Ch. 73, par. 755.29
215 ILCS 5/Art. XLVIII heading new
215 ILCS 5/1801 new
215 ILCS 5/1802 new
215 ILCS 5/1803 new
215 ILCS 5/1804 new
215 ILCS 5/1805 new
Synopsis As Introduced
Amends the Illinois Insurance Code. Provides that no company may impose renewal premium increases of more than 10% for specified lines of business unless the company mails or delivers by electronic means to the named insured and by electronic means to the Department of Insurance notice of the increase in renewal premium at least 60 days prior to the renewal or anniversary date. Provides that the rates and premium charges for every policy of automobile liability insurance shall include appropriate reductions as determined by the insurer for any insured over age 55 upon successful completion of the National Safety Council's Defensive Driving Course or a motor vehicle crash prevention course, including an eLearning course, that is found by the Secretary of State to meet or exceed the standards of the National Safety Council's Defensive Driving Course's 4-hour (rather than 8-hour) classroom safety instruction program or eLearning course. Creates the Rates for Automobile Insurance Article. Provides that rates shall not be excessive, inadequate, or unfairly discriminatory. Provides that a rate is reasonable and not excessive, inadequate, or unfairly discriminatory if it is an actuarially sound estimate of the expected value of all future costs associated with an individual risk transfer. Prohibits insurance providers from using an insured's zip code; credit score, credit-based insurance score, or any insurance score that uses or relies upon an insured's credit score; or age, if the insured is over 65 years of age, in any manner that increases an insured's premium, results in a nonrenewal of an insurance policy, or leads to the cancellation of an insurance policy. Requires credible State-specific loss experience to be used in the development of rates whenever such data is available and statistically reliable, and, to meet actuarial standards of credibility, insurers may supplement State-specific loss experience with countrywide or regional loss experience. Makes other changes. Effective January 1, 2027.
Actions
Date Chamber Action
2/06/2026 Senate Filed with Secretary by Sen. Ram Villivalam
2/06/2026 Senate First Reading
2/06/2026 Senate Referred to Assignments
2/11/2026 Senate Added as Co-Sponsor Sen. Doris Turner
2/11/2026 Senate Added as Co-Sponsor Sen. Christopher Belt
2/17/2026 Senate Added as Co-Sponsor Sen. Laura Fine
2/17/2026 Senate Added as Co-Sponsor Sen. Javier L. Cervantes
2/17/2026 Senate Added as Co-Sponsor Sen. Mary Edly-Allen
2/17/2026 Senate Added as Co-Sponsor Sen. Mike Porfirio
2/18/2026 Senate Added as Co-Sponsor Sen. Adriane Johnson
2/18/2026 Senate Added as Chief Co-Sponsor Sen. Mattie Hunter
2/19/2026 Senate Added as Co-Sponsor Sen. David Koehler
2/19/2026 Senate Added as Co-Sponsor Sen. Cristina Castro
2/19/2026 Senate Added as Co-Sponsor Sen. Rachel Ventura
2/20/2026 Senate Added as Co-Sponsor Sen. Michael W. Halpin
2/25/2026 Senate Added as Co-Sponsor Sen. Mark L. Walker
2/25/2026 Senate Added as Co-Sponsor Sen. Paul Faraci
2/25/2026 Senate Added as Co-Sponsor Sen. Patrick J. Joyce
2/26/2026 Senate Added as Co-Sponsor Sen. Graciela Guzmán
3/04/2026 Senate Added as Chief Co-Sponsor Sen. Celina Villanueva
3/04/2026 Senate Added as Co-Sponsor Sen. Kimberly A. Lightford
3/04/2026 Senate Added as Co-Sponsor Sen. Sara Feigenholtz
3/05/2026 Senate Added as Chief Co-Sponsor Sen. Lakesia Collins
3/06/2026 Senate Added as Co-Sponsor Sen. Laura M. Murphy