HB 413 — INSURANCE: Prohibits an insurer from utilizing a rating factor in an automobile insurance rate filing
Last action — Signed by the Governor. Becomes Act No. 159.
No card. One bill, free forever — alerts when it moves.
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✓Introduced
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✓In Committee
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✓Passed House
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✓Passed Senate
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✓To Executive
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6Enacted
This bill has been enacted into law. Introduced February 25, 2026. Enacted.
Signed by Governor Jeff Landry (Republican) on May 15, 2026.
Prognosis
Where this bill stands today.
Odds of enactment
HighHow often bills like it became law.
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Enacted
Current position in the legislative process.
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2 sponsors
1 primary, 1 co-sponsors signed on.
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Bipartisan support
Sponsored across 2 parties (1 R · 1 D) — cross-party backing.
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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.
In plain language
The bill limits how insurers can calculate automobile insurance rates based on certain catastrophe-related losses.
This legislation prohibits insurers from using loss experiences from catastrophes affecting other insurance lines when calculating automobile insurance rates. However, insurers can still use this factor in multi-line policies.
What this means for you
- Consumers: This means potentially more stable automobile insurance rates, as insurers cannot rely on unrelated catastrophe losses.
Bill Text
What changed in the latest version
9 added · 28 removedPlain-language change summary
The amendment removed the reference to "ACT No. 159" from the bill. This change might be important as it clarifies that the current bill is not linked to that previous act, potentially allowing for a fresh start or new perspective on the issues addressed in HB 413. Removing the reference helps avoid confusion about any past laws that might not be relevant anymore.
HLSENROLLED 26RS-1060 ENGROSSED Regular Session HOUSE BILL NO.
413 BY REPRESENTATIVEREPRESENTATIVES CARVER INSURANCE:AND CHASSION AN ACT To amend and reenact R.S.
Prohibitsaninsurerfromutilizingaratingfactorinanautomobileinsurance rate filing AN ACT To amend and reenact R.S.
Insurers shall not include a rating factor in an automobile insurance rate filing that is based solelysolelyon on loss experience arising from acatastropheornaturaldisasterthatonlyaffectedotherlinesofinsurance.
HLS 26RS-1060 ENGROSSED HB NO.
413 ENROLLED (6) Other relevantfactors.
AnyotherfactorsavailableAnyother atfactorsavailableatthetime theofthe time of the rate filing, including but not limited to rates computed in accordance with accepted actuarial standards.
DIGESTSPEAKER ThedigestprintedbelowwaspreparedbyHouseLegislativeOF Services.THE HOUSE OF REPRESENTATIVES PRESIDENT OF THE SENATE GOVERNOR OF THE STATE OF LOUISIANA APPROVED:
ItPage constitutes2 nopart of the2 legislativeCODING: instrument.
The keyword, one-liner, abstract, and digest do not constitute part of the law or proof or indicia of legislative intent.
[R.S.
1:13(B) and 24:177(E)] HB 413 Engrossed 2026 Regular Session Carver Abstract:
Prohibitstheinclusionofspecificcatastrophe-basedratingfactorsinautomobile insurance rate filings.
Authorizes consideration of other relevant actuarial factors in property and casualty rate-making.
Present law authorizes the commissioner to consider specified factors when determining whether property and casualty insurance rates are excessive, inadequate, or unfairly discriminatory.
Proposed law revises the list of permissible rating considerations by prohibiting an insurer from including anyratingfactor into an automobile insurancerate filing that is based solely on lossexperienceresultingfromacatastropheornaturaldisasterthatexclusivelyimpacted other lines of insurance.
Proposed law further stipulates that this prohibition does not extend to multi-line policies.
Proposed law retains the authorization for the consideration of other relevant actuarial factors that are available at the time of the rate filing.
Effective January 1, 2027.
(Amends R.S.
22:1454(B)(5);
Adds R.S.
22:1454(B)(6)) Page 2 of 2 CODING:
View plain text versions (4)
- Enrolled HB413 Enrolled Current pdf
- Engrossed HB413 Engrossed pdf
- HB413 Act View text pdf
- HB413 Original View text pdf
Action History
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Signed by the Governor. Becomes Act No. 159.
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Effective date: 01/01/2027.
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Signed by the President of the Senate.
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Sent to the Governor for executive approval.
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Enrolled and signed by the Speaker of the House.
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Rules suspended. Read by title, passed by a vote of 34 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.
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Received from the Senate without amendments.
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Reported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.
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Read by title and referred to the Legislative Bureau.
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Reported favorably.
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Read second time by title and referred to the Committee on Insurance.
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Read third time by title, roll called on final passage, yeas 100, nays 0. Finally passed, title adopted, ordered to the Senate.
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Received in the Senate. Read first time by title and placed on the Calendar for a second reading.
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Read by title, ordered engrossed, passed to 3rd reading.
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Scheduled for floor debate on 03/25/2026.
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Reported favorably (13-0).
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Read by title, under the rules, referred to the Committee on Insurance.
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First appeared in the Interim Calendar on 2/27/2026.
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Prefiled.
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Under the rules, provisionally referred to the Committee on Insurance.
Sponsors
- Tehmi Jahi Chassion · Cosponsor
- Kim Carver · Primary
Sponsorship breakdown
Export CSV (upgrade) →1 sponsors · 1 co-sponsors · 145 not signed on
Sponsors (1)
- Kim Carver Republican
Co-sponsors (1)
- Tehmi Jahi Chassion Democrat
Not signed on (145)
145 members have not signed on to this bill.
Show all 145 →"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.
Votes
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Unaffiliated | 1 | 0 | 0 | 0 |
| Republican | 24 | 0 | 0 | 3 |
| Democrat | 9 | 0 | 0 | 2 |
| Total | 34 | 0 | 0 | 5 |
| % of votes cast | 87% | 0% | 0% | 13% |
How each member voted (39)
| Member | Party | Vote |
|---|---|---|
| Mr. President | — | Yea |
| Edward J. Price | Democrat | Yea |
| Gary Carter | Democrat | Yea |
| Gerald Boudreaux | Democrat | Yea |
| Jay Luneau | Democrat | Yea |
| Jimmy Harris | Democrat | Not Voting |
| Katrina R. Jackson-Andrews | Democrat | Yea |
| Larry Selders | Democrat | Not Voting |
| Regina Barrow | Democrat | Yea |
| Royce Duplessis | Democrat | Yea |
| Sam Jenkins | Democrat | Yea |
| Sidney Barthelemy II | Democrat | Yea |
| Adam Bass | Republican | Yea |
| Alan Seabaugh | Republican | Yea |
| Beth Mizell | Republican | Yea |
| Blake Miguez | Republican | Yea |
| Bob Hensgens | Republican | Yea |
| Brach Jerad Myers | Republican | Not Voting |
| Caleb Kleinpeter | Republican | Yea |
| Eddie J. Lambert | Republican | Yea |
| Franklin J. Foil | Republican | Yea |
| Glen Womack | Republican | Not Voting |
| Gregory A. Miller | Republican | Yea |
| Heather Cloud | Republican | Yea |
| Jeremy Stine | Republican | Yea |
| John C. "Jay" Morris | Republican | Yea |
| Jr., William "Bill" Wheat | Republican | Yea |
| Kirk Talbot | Republican | Yea |
| Mark Abraham | Republican | Yea |
| Michael "Big Mike" Fesi | Republican | Yea |
| Mike Reese | Republican | Yea |
| Patrick Connick | Republican | Not Voting |
| Patrick McMath | Republican | Yea |
| Rick Edmonds | Republican | Yea |
| Robert "Bob" Owen | Republican | Yea |
| Robert Allain | Republican | Yea |
| Stewart Jr. Cathey | Republican | Yea |
| Thomas A. Pressly | Republican | Yea |
| Valarie Hodges | Republican | Yea |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Unaffiliated | 7 | 0 | 0 | 0 |
| Republican | 65 | 0 | 0 | 3 |
| Democrat | 28 | 0 | 0 | 2 |
| Total | 100 | 0 | 0 | 5 |
| % of votes cast | 95% | 0% | 0% | 5% |
How each member voted (105)
| Member | Party | Vote |
|---|---|---|
| Mr. Speaker | — | Yea |
| Amedee | — | Yea |
| Galle | — | Yea |
| Stagni | — | Yea |
| Johnson, T. | — | Yea |
| Landry, T. | — | Yea |
| St. Blanc | — | Yea |
| Adrian Fisher | Democrat | Yea |
| Aimee Adatto Freeman | Democrat | Yea |
| Alonzo L. Knox | Democrat | Yea |
| Barbara Carpenter | Democrat | Yea |
| C. Denise Marcelle | Democrat | Yea |
| Candace N. Newell | Democrat | Yea |
| Chasity Martinez | Democrat | Yea |
| Dana Henry | Democrat | Yea |
| Delisha Boyd | Democrat | Yea |
| Ed Murray | Democrat | Yea |
| Edmond Jordan | Democrat | Yea |
| Gerald Boudreaux | Democrat | Yea |
| III, Ed Larvadain | Democrat | Yea |
| Joy Walters | Democrat | Yea |
| Jr., Kyle M. Green | Democrat | Yea |
| Ken Brass | Democrat | Yea |
| Mandie Landry | Democrat | Yea |
| Marcus Anthony Bryant | Democrat | Yea |
| Pat Moore | Democrat | Yea |
| Rashid Armand Young | Democrat | Yea |
| Robby Carter | Democrat | Yea |
| Rodney Lyons | Democrat | Yea |
| Roy Daryl Adams | Democrat | Yea |
| Shaun Raphael Mena | Democrat | Yea |
| Sr., Wilford Carter | Democrat | Not Voting |
| Steven Jackson | Democrat | Yea |
| Sylvia Elaine Taylor | Democrat | Not Voting |
| Tammy T. Phelps | Democrat | Yea |
| Tehmi Jahi Chassion | Democrat | Yea |
| Vanessa Caston LaFleur | Democrat | Yea |
| Annie Spell | Republican | Not Voting |
| Barbara Reich Freiberg | Republican | Yea |
| Beth Anne Billings | Republican | Yea |
| Brett F. Geymann | Republican | Yea |
| Brian Leonard Glorioso | Republican | Yea |
| Bryan Fontenot | Republican | Yea |
| Chad Michael Boyer | Republican | Yea |
| Chance Keith Henry | Republican | Yea |
| Christopher Turner | Republican | Yea |
| Danny McCormick | Republican | Yea |
| Daryl Andrew Deshotel | Republican | Yea |
| Debbie Villio | Republican | Yea |
| Dixon Wallace McMakin | Republican | Yea |
| Dodie Horton | Republican | Yea |
| Emily Chenevert | Republican | Yea |
| Foy Bryan Gadberry | Republican | Yea |
| Francis C. Thompson | Republican | Yea |
| Gregory A. Miller | Republican | Yea |
| III, Roger William Wilder | Republican | Yea |
| III, Vincent E. Cox | Republican | Yea |
| IV, Gerald "Beau" Beaullieu | Republican | Yea |
| Jack McFarland | Republican | Yea |
| Jacob Braud | Republican | Yea |
| Jacob Jules Landry | Republican | Yea |
| Jason Brian DeWitt | Republican | Yea |
| Jeffrey "Jeff" Fons Wiley | Republican | Yea |
| Jeremy LaCombe | Republican | Yea |
| Jerome Zeringue | Republican | Yea |
| Jessica Domangue | Republican | Yea |
| John E. Wyble | Republican | Yea |
| Joseph A. Orgeron | Republican | Yea |
| Josh Carlson | Republican | Yea |
| Jr., Dennis Bamburg | Republican | Yea |
| Jr., John R. Illg | Republican | Yea |
| Jr., Michael Robert Bayham | Republican | Yea |
| Kathy Edmonston | Republican | Yea |
| Kellee Hennessy Dickerson | Republican | Yea |
| Kim Carver | Republican | Yea |
| Kimberly Landry Coates | Republican | Yea |
| Larry A. Bagley | Republican | Not Voting |
| Lauren Ventrella | Republican | Yea |
| Laurie Schlegel | Republican | Yea |
| Les Farnum | Republican | Yea |
| Mark Wright | Republican | Yea |
| Michael "Gabe" Firment | Republican | Yea |
| Michael Charles Echols | Republican | Yea |
| Michael Melerine | Republican | Yea |
| Mike Johnson | Republican | Yea |
| Neil Riser | Republican | Yea |
| Nicholas Muscarello | Republican | Yea |
| Paul Sawyer | Republican | Yea |
| Phillip Eric Tarver | Republican | Yea |
| Polly Thomas | Republican | Not Voting |
| R. Dewith Carrier | Republican | Yea |
| Raymond J. Crews | Republican | Yea |
| Reese "Skip" Broussard | Republican | Yea |
| Rhonda Gaye Butler | Republican | Yea |
| Robert "Bob" Owen | Republican | Yea |
| Rodney Schamerhorn | Republican | Yea |
| Ryan Bourriaque | Republican | Yea |
| Shane Mack | Republican | Yea |
| Sr., Peter F. Egan | Republican | Yea |
| Stephanie H. Berault | Republican | Yea |
| Stephanie Hilferty | Republican | Yea |
| Timothy P. Kerner | Republican | Yea |
| Tony Bacala | Republican | Yea |
| Troy Jude Hebert | Republican | Yea |
| Wayne McMahen | Republican | Yea |
Subjects
Frequently asked questions
- Who sponsors HB 413?
- HB 413 is sponsored by Tehmi Jahi Chassion (Democrat) and Kim Carver (Republican).
- What is the current status of HB 413?
- This bill has been enacted into law. Introduced February 25, 2026. Enacted.
- Where can I track HB 413?
- Track HB 413 free on One Click Politics — get push/email alerts when it moves.
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