Illinois 104th General Assembly Status: Introduced 26 D cosponsors

SB3823      — INSURANCE-AUTOMOBILE COVERAGE

Last action — Added as Co-Sponsor Sen. Mike Simmons

  1. 1
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill has been introduced in the Senate. Introduced February 06, 2026. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Not enough signal yet

Not enough signal yet to read this bill's trajectory — we surface a likelihood only once there's real movement (stage, sponsorship, committee, or votes) to point to.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

In plain language

Limits insurance premium increases and modifies rate-setting for automobile coverage in Illinois.

This bill restricts how much insurance companies can increase renewal premiums for certain policies and requires reductions for senior drivers completing safety courses. It also sets standards for fair insurance pricing.

What this means for you
  • Consumers: This could mean more predictable insurance costs and potential savings for senior drivers in Illinois.

Summary

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.

Bill Text

We don't have the full text on file for this bill yet.

Read SB3823 on the official Illinois source →

Action History

  1. Added as Co-Sponsor Sen. Mike Simmons

  2. Added as Co-Sponsor Sen. Emil Jones, III

  3. Added as Co-Sponsor Sen. Linda Holmes

  4. Added as Co-Sponsor Sen. Michael E. Hastings

  5. Added as Co-Sponsor Sen. Laura M. Murphy

  6. Added as Chief Co-Sponsor Sen. Lakesia Collins

  7. Added as Co-Sponsor Sen. Sara Feigenholtz

  8. Added as Co-Sponsor Sen. Kimberly A. Lightford

  9. Added as Chief Co-Sponsor Sen. Celina Villanueva

  10. Added as Co-Sponsor Sen. Graciela Guzmán

  11. Added as Co-Sponsor Sen. Patrick J. Joyce

  12. Added as Co-Sponsor Sen. Paul Faraci

  13. Added as Co-Sponsor Sen. Mark L. Walker

  14. Added as Co-Sponsor Sen. Michael W. Halpin

  15. Added as Co-Sponsor Sen. Rachel Ventura

  16. Added as Co-Sponsor Sen. Cristina Castro

  17. Added as Co-Sponsor Sen. David Koehler

  18. Added as Chief Co-Sponsor Sen. Mattie Hunter

  19. Added as Co-Sponsor Sen. Adriane L. Johnson

  20. Added as Co-Sponsor Sen. Mike Porfirio

  21. Added as Co-Sponsor Sen. Mary Edly-Allen

  22. Added as Co-Sponsor Sen. Javier L. Cervantes

  23. Added as Co-Sponsor Sen. Laura Fine

  24. Added as Co-Sponsor Sen. Christopher Belt

  25. Added as Co-Sponsor Sen. Doris Turner

  26. Referred to Assignments

  27. First Reading

  28. Filed with Secretary by Sen. Ram Villivalam

Sponsors

Sponsorship breakdown

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1 sponsors · 25 co-sponsors · 157 not signed on

Sponsors (1)

Co-sponsors (25)

Not signed on (157)

157 members have not signed on to this bill.

Show all 157 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

public-safety labor health-insurance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does SB3823      do?
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.
Who sponsors SB3823     ?
SB3823      is sponsored by Ram Villivalam (Democrat), Mattie Hunter (Democrat), Celina Villanueva (Democrat), Lakesia Collins (Democrat), Doris Turner (Democrat), Christopher Belt (Democrat), Laura Fine (Democrat), Javier L. Cervantes (Democrat), Mary Edly-Allen (Democrat), Mike Porfirio (Democrat), Adriane L. Johnson (Democrat), David Koehler (Democrat), Cristina Castro (Democrat), Rachel Ventura (Democrat), Michael W. Halpin (Democrat), Mark L. Walker (Democrat), Paul Faraci (Democrat), Patrick J. Joyce (Democrat), Graciela Guzmán (Democrat), Kimberly A. Lightford (Democrat), Sara Feigenholtz (Democrat), Laura M. Murphy (Democrat), Michael E. Hastings (Democrat), Linda Holmes (Democrat), Emil Jones, III (Democrat), and Mike Simmons (Democrat).
What is the current status of SB3823     ?
This bill has been introduced in the Senate. Introduced February 06, 2026. It must pass committee before a floor vote.
Where can I track SB3823     ?
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