Michigan 2021-2022 Regular Session Status: Introduced

SB 1013 — Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Amends secs. 2109 & 2119 of 1956 PA 218 (MCL 500.2109 & 500.2119).

Last action — 7/3/2026 - referred to Committee on Insurance

  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 July 03, 2026. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Prognosis

Not enough signal yet

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

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.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

In plain language

This bill prohibits using price optimization in determining insurance rates.

The bill amends existing insurance laws to ban the practice of price optimization when setting insurance rates. This aims to ensure fairness in how rates are calculated.

What this means for you
  • Consumers: This means you may see more consistent and fair insurance rates based on risk, rather than pricing strategies.

Summary

Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Amends secs. 2109 & 2119 of 1956 PA 218 (MCL 500.2109 & 500.2119).

Bill Text

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

Read SB 1013 on the official Michigan source →

Action History

  1. 7/3/2026 - referred to Committee on Insurance

Sponsorship breakdown

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0 sponsors · 0 co-sponsors · 147 not signed on

Sponsors (0)

None.

Co-sponsors (0)

None.

Not signed on (147)

147 members have not signed on to this bill.

Show all 147 →

"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

finance 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 SB 1013 do?
Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Amends secs. 2109 & 2119 of 1956 PA 218 (MCL 500.2109 & 500.2119).
What is the current status of SB 1013?
This bill has been introduced in the Senate. Introduced July 03, 2026. It must pass committee before a floor vote.
Where can I track SB 1013?
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Last checked for changes 3 months ago · updated continuously

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