Illinois 104th Regular Session Status: Passed House 32 D cosponsors

HB 1234 — INS RATEMAKING-AFFORDABILITY

Last action — Senate Committee Amendment No. 1 Rule 3-9(a) / Re-referred to Assignments

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

This bill has passed the House. Introduced January 10, 2025. It now moves to the second chamber.

Next likely step: consideration and a floor vote in the Senate.

Prognosis

Advancing 58% · moderate confidence

Where this bill stands today.

Odds of enactment

Moderate

How often bills like it became law.

  • Passed House

    Current position in the legislative process.

  • 33 sponsors

    2 primary, 31 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (32 D).

  • Cleared a recorded vote

    Passed 2 recorded votes so far.

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.

Bill Text

What changed in the latest version

23 added · 78 removed

Plain-language change summary

The recent amendment to HB 1234 introduces a new requirement for the Secretary of State to conduct a study on the affordability and availability of mandatory automobile insurance in Illinois by January 1, 2026. The study will look at factors like zip codes, credit scores, and age to see if they contribute to unfair insurance rates for certain groups of people. This change matters because it aims to assess and potentially address inequities in how insurance rates are determined, ensuring fairer treatment for all residents.

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*LRB10406172SPS16206b* HB1234 104TH GENERAL ASSEMBLY State of Illinois and 2026 HB1234 Introduced 1/28/2025, by Rep.
HB1234 Engrossed LRB104 06172 SPS 16206 b AN ACT concerning State government.
Rita Mayfield SYNOPSIS AS INTRODUCED:
ILCS 4070/15 ILCS 4070/20 Amends the Commission on Discrimination and Hate Crimes Act.
Provides that the Commission on Discrimination and Hate Crimes shall research and identify any discriminatory practices used by insurance companies in the ratemaking process for home insurance and automobile insurance, including, but not limited to, the use of zip codes, credit scores, and age in a manner that results in inequitable rates being assessed to certain populations.
Provides that, beginning with the report that is due by March 30, 2026, the Commission shall include any findings and recommendations it makes concerning discriminatory practices used by insurance companies in its report to the Governor and the General Assembly.
Effective immediately.
LRB104 06172 SPS 16206 b A BILL FOR HB1234 LRB104 06172 SPS 16206 b AN ACT concerning State government.
The Commission on Discrimination and Hate Crimes Act is amended by changing Sections 15 and 20 as follows:
The Secretary of State Act is amended by adding Section 38 as follows:
(20 ILCS 4070/15) Sec.
(15 ILCS 305/38 new) Sec.
15.
38.
Purposes of Commission.
Study on automobile insurance affordability and availability.
(a) The purposes of the Commission include, but are not limited to, the following:
By January 1, 2026, the Secretary of State shall conduct a study on the affordability and availability of statutorily mandated automobile insurance in this State.
(1) To work in partnership with community leaders, educators, religious leaders, social service agencies, elected officials, and the public to identify and uproot sources of discrimination and bias at the source.
When conducting the study, the Secretary of State may use data or academic studies conducted by other sources, solicit feedback and testimony from constituents and community leaders, consider any guidance, written or otherwise, provided by insurance industry experts based in this State, and consider statutes and regulations in other states and national trends.
(2) To work with local governments, law enforcement officials and prosecutors, educators, and community organizations by assisting with the development of resources, training, and information that allow for a swift and efficient response to hate-motivated crimes and incidents.
The study shall include, but shall not be limited to, the use of zip codes, credit scores, and age in ratemaking and whether the specific factor results in inequitable rates being assessed to certain populations.
(3) To work with educators throughout Illinois on issues concerning discrimination and hate, teaching acceptance, and embracing diversity at academic HB1234 - 2 - LRB104 06172 SPS 16206 b institutions.
No later than January 1, 2026, the Secretary of State shall submit the report and its recommendations to the Governor and the General Assembly.
(4) To help ensure that this State's laws addressing discrimination and hate-related violence are widely known and applied correctly to help eradicate and prevent crimes based on discrimination and intolerance.
HB1234 Engrossed - 2 - LRB104 06172 SPS 16206 b Section 99.
(5) To make recommendations to the Governor and the General Assembly for statutory and programmatic changes necessary to eliminate discrimination and hate-based violence.
(6) To help implement recommendations by working with State agencies, the General Assembly, the business community, the social service community, and other organizations.
(b) The Commission shall research and identify any discriminatory practices used by insurance companies in the ratemaking process for home insurance and automobile insurance, including, but not limited to, the use of zip codes, credit scores, and age in a manner that results in inequitable rates being assessed to certain populations.
The Commission shall make recommendations to the Governor and the General Assembly for statutory and programmatic changes necessary to address its findings under this subsection.
(Source:
P.A.
95-425, eff.
8-24-07.) (20 ILCS 4070/20) Sec.
20.
Annual report.
The Commission shall submit a HB1234 - 3 - LRB104 06172 SPS 16206 b report to the Governor and the General Assembly by March 30 of each year.
Beginning with the report that is due by March 30, 2026, the Commission shall include any findings and recommendations it makes under subsection (b) of Section 15.
(Source:
P.A.
95-425, eff.
8-24-07.) Section 99.
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Amendments

2 amendments

Click Show changes on an amendment above to see how it modifies the bill.

Action History

  1. Senate Committee Amendment No. 1 Rule 3-9(a) / Re-referred to Assignments

  2. Rule 3-9(a) / Re-referred to Assignments

  3. Postponed - Insurance

  4. Senate Committee Amendment No. 1 Postponed - Insurance

  5. Senate Committee Amendment No. 1 Assignments Refers to Insurance

  6. Rule 2-10 Committee Deadline Established As June 1, 2025

  7. Senate Committee Amendment No. 1 Referred to Assignments

  8. Senate Committee Amendment No. 1 Filed with Secretary by Sen. Ram Villivalam

  9. Assigned to Insurance

  10. Rule 2-10 Committee Deadline Established As May 23, 2025

  11. Added as Alternate Co-Sponsor Sen. Christopher Belt

  12. Added as Alternate Co-Sponsor Sen. Mattie Hunter

  13. Added as Alternate Co-Sponsor Sen. Robert F. Martwick

  14. Added as Alternate Co-Sponsor Sen. Javier L. Cervantes

  15. Added as Alternate Chief Co-Sponsor Sen. Willie Preston

  16. Added as Alternate Co-Sponsor Sen. Mike Simmons

  17. Added as Alternate Co-Sponsor Sen. Rachel Ventura

  18. Added as Alternate Co-Sponsor Sen. Doris Turner

  19. Added as Alternate Co-Sponsor Sen. Sara Feigenholtz

  20. Added as Alternate Co-Sponsor Sen. Mary Edly-Allen

  21. Added as Alternate Co-Sponsor Sen. Karina Villa

  22. Added as Alternate Co-Sponsor Sen. Laura Fine

  23. Added as Alternate Co-Sponsor Sen. Cristina Castro

  24. Added as Alternate Co-Sponsor Sen. Mike Porfirio

  25. Added as Alternate Co-Sponsor Sen. Lakesia Collins

  26. Added as Alternate Co-Sponsor Sen. Adriane Johnson

  27. Alternate Chief Sponsor Changed to Sen. Ram Villivalam

  28. Added Co-Sponsor Rep. Camille Y. Lilly

  29. Referred to Assignments

  30. First Reading

  31. Chief Senate Sponsor Sen. Lakesia Collins

  32. Placed on Calendar Order of First Reading

  33. Arrive in Senate

  34. Added Co-Sponsor Rep. Hoan Huynh

  35. Added Chief Co-Sponsor Rep. Abdelnasser Rashid

  36. Third Reading - Short Debate - Passed 070-039-000

  37. Added Co-Sponsor Rep. Dagmara Avelar

  38. Added Co-Sponsor Rep. Nicholas K. Smith

  39. Added Co-Sponsor Rep. Anne Stava

  40. Added Co-Sponsor Rep. Nicolle Grasse

  41. Added Co-Sponsor Rep. Kevin John Olickal

  42. Added Co-Sponsor Rep. Theresa Mah

  43. Added Co-Sponsor Rep. Barbara Hernandez

  44. Added Co-Sponsor Rep. Stephanie A. Kifowit

  45. Added Co-Sponsor Rep. Lisa Davis

  46. Added Co-Sponsor Rep. Norma Hernandez

  47. Added Co-Sponsor Rep. Carol Ammons

  48. Placed on Calendar Order of 3rd Reading - Short Debate

  49. Second Reading - Short Debate

  50. Placed on Calendar 2nd Reading - Short Debate

  51. Do Pass as Amended / Short Debate Insurance Committee; 011-006-000

  52. House Committee Amendment No. 1 Adopted in Insurance Committee; by Voice Vote

  53. House Committee Amendment No. 1 Rules Refers to Insurance Committee

  54. House Committee Amendment No. 1 Referred to Rules Committee

  55. House Committee Amendment No. 1 Filed with Clerk by Rep. Rita Mayfield

  56. Added Co-Sponsor Rep. Lilian Jiménez

  57. Assigned to Insurance Committee

  58. Referred to Rules Committee

  59. First Reading

  60. Filed with the Clerk by Rep. Rita Mayfield

Sponsors

Sponsorship breakdown

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2 sponsors · 31 co-sponsors · 150 not signed on · 39 voted No

Sponsors (2)

Co-sponsors (31)

Not signed on (150)

150 members have not signed on to this bill.

Show all 150 →

"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

Votes

Third Reading

Passed 70 Yea · 39 Nay · 9 Other
Party YeaNayPresentNot Voting
Democrat 61008
Unaffiliated 8100
Republican 03801
Total 693909
% of votes cast 59%33%0%8%
How each member voted (117)
Member Party Vote
Stava-Murray — Yea
Costa Howard — Yea
Du Buclet — Yea
Faver Dias — Yea
Hernandez, Lisa — Yea
Katz Muhl — Yea
La Ha — Nay
Williams, Jawaharial — Yea
Yang Rohr — Yea
Aarón M. Ortíz Democrat Yea
Abdelnasser Rashid Democrat Yea
Amy Briel Democrat Yea
Angelica Guerrero-Cuellar Democrat Yea
Ann M. Williams Democrat Yea
Anna Moeller Democrat Yea
Anthony DeLuca Democrat Not Voting
Barbara Hernandez Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Carol Ammons Democrat Not Voting
Curtis J. Tarver, II Democrat Yea
Dagmara Avelar Democrat Yea
Daniel Didech Democrat Yea
Dave Vella Democrat Yea
Debbie Meyers-Martin Democrat Yea
Diane Blair-Sherlock Democrat Yea
Edgar González, Jr. Democrat Yea
Eva-Dina Delgado Democrat Yea
Fred Crespo Democrat Yea
Gregg Johnson Democrat Not Voting
Harry Benton Democrat Yea
Hoan Huynh Democrat Yea
Jaime M. Andrade, Jr. Democrat Yea
Jay Hoffman Democrat Yea
Jehan Gordon-Booth Democrat Yea
Jennifer Gong-Gershowitz Democrat Yea
Joyce Mason Democrat Yea
Justin Slaughter Democrat Yea
Kam Buckner Democrat Yea
Katie Stuart Democrat Yea
Kelly M. Cassidy Democrat Yea
Kevin John Olickal Democrat Yea
La Shawn K. Ford Democrat Yea
Lawrence "Larry" Walsh, Jr. Democrat Yea
Lilian Jiménez Democrat Yea
Lindsey LaPointe Democrat Yea
Lisa Davis Democrat Yea
Marcus C. Evans, Jr. Democrat Yea
Margaret Croke Democrat Yea
Martha Deuter Democrat Yea
Martin J. Moylan Democrat Yea
Mary Beth Canty Democrat Yea
Mary Gill Democrat Yea
Matt Hanson Democrat Yea
Maura Hirschauer Democrat Yea
Maurice A. West, II Democrat Not Voting
Michael Crawford Democrat Yea
Michael J. Kelly Democrat Yea
Michelle Mussman Democrat Yea
Nabeela Syed Democrat Yea
Natalie A. Manley Democrat Yea
Nicholas K. Smith Democrat Yea
Nicolle Grasse Democrat Yea
Norma Hernandez Democrat Yea
Rick Ryan Democrat Yea
Rita Mayfield Democrat Yea
Robert "Bob" Rita Democrat Yea
Robyn Gabel Democrat Yea
Sharon Chung Democrat Not Voting
Sonya M. Harper Democrat Yea
Stephanie A. Kifowit Democrat Not Voting
Sue Scherer Democrat Not Voting
Suzanne M. Ness Democrat Yea
Thaddeus Jones Democrat Yea
Theresa Mah Democrat Yea
Will Guzzardi Democrat Yea
William "Will" Davis Democrat Yea
Yolonda Morris Democrat Not Voting
Adam M. Niemerg Republican Nay
Amy Elik Republican Nay
Amy L. Grant Republican Nay
Blaine Wilhour Republican Nay
Brad Halbrook Republican Nay
Brad Stephens Republican Not Voting
Bradley Fritts Republican Nay
Brandun Schweizer Republican Nay
Charles Meier Republican Nay
Chris Miller Republican Nay
Christopher "C.D." Davidsmeyer Republican Nay
Dan Swanson Republican Nay
Daniel J. Ugaste Republican Nay
Dave Severin Republican Nay
David Friess Republican Nay
Dennis Tipsword Republican Nay
Jackie Haas Republican Nay
Jason R. Bunting Republican Nay
Jed Davis Republican Nay
Jeff Keicher Republican Nay
Jennifer Sanalitro Republican Nay
Joe C. Sosnowski Republican Nay
John M. Cabello Republican Nay
Kevin Schmidt Republican Nay
Kyle Moore Republican Nay
Martin McLaughlin Republican Nay
Michael J. Coffey, Jr. Republican Nay
Norine K. Hammond Republican Nay
Patrick Sheehan Republican Nay
Patrick Windhorst Republican Nay
Paul Jacobs Republican Nay
Regan Deering Republican Nay
Ryan Spain Republican Nay
Steven Reick Republican Nay
Tom Weber Republican Nay
Tony M. McCombie Republican Nay
Travis Weaver Republican Nay
Wayne A. Rosenthal Republican Nay
William E Hauter Republican Nay

Official roll call →

Insurance

Passed 11 Yea · 6 Nay
Party YeaNayPresentNot Voting
Democrat 11000
Republican 0600
Total 11600
% of votes cast 65%35%0%0%
How each member voted (17)
Member Party Vote
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Daniel Didech Democrat Yea
Edgar González, Jr. Democrat Yea
Harry Benton Democrat Yea
Jawaharial Williams Democrat Yea
Lilian Jiménez Democrat Yea
Rita Mayfield Democrat Yea
Sonya M. Harper Democrat Yea
Thaddeus Jones Democrat Yea
Tracy Katz Muhl Democrat Yea
Adam M. Niemerg Republican Nay
David Friess Republican Nay
Jeff Keicher Republican Nay
John M. Cabello Republican Nay
Travis Weaver Republican Nay
William E Hauter Republican Nay

Official roll call →

Subjects

healthcare health-insurance
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Frequently asked questions

Who sponsors HB 1234?
HB 1234 is sponsored by Simmons, Mike, Rita Mayfield (Democrat), Abdelnasser Rashid (Democrat), Lilian Jiménez (Democrat), Carol Ammons (Democrat), Norma Hernandez (Democrat), Lisa Davis (Democrat), Stephanie A. Kifowit (Democrat), Barbara Hernandez (Democrat), Theresa Mah (Democrat), Kevin John Olickal (Democrat), Nicolle Grasse (Democrat), Anne Stava (Democrat), Nicholas K. Smith (Democrat), Dagmara Avelar (Democrat), Hoan Huynh (Democrat), Camille Y. Lilly (Democrat), Ram Villivalam (Democrat), Willie Preston (Democrat), Christopher Belt (Democrat), Adriane L. Johnson (Democrat), Lakesia Collins (Democrat), Mike Porfirio (Democrat), Cristina Castro (Democrat), Laura Fine (Democrat), Karina Villa (Democrat), Mary Edly-Allen (Democrat), Sara Feigenholtz (Democrat), Doris Turner (Democrat), Rachel Ventura (Democrat), Javier L. Cervantes (Democrat), Robert F. Martwick (Democrat), and Mattie Hunter (Democrat).
What is the current status of HB 1234?
This bill has passed the House. Introduced January 10, 2025. It now moves to the second chamber.
Where can I track HB 1234?
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