Environment
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
StateMichiganTo Governor
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).
Jeremy Moss
SB 1013 status: To Governor — PRESENTED TO GOVERNOR 9/15/2026 1:34 PM (updated Sep 22, 2026).
Source
OpenStates
Confidence
Low
Analysis basis
OpenStates summary
01
What this bill does
Official summary alongside an AI-generated read on where it stands and why.
Overall Score
72OUT OF 100
Score:72/100 civic fit
Risk:Low Risk
Impact:Moderate Impact 60/100
Constitutionality95%
Bipartisan70%
Public opinion85%
Bill summary
This bill would stop car insurance companies from using "price optimization" to set your rates. **What that means:** Right now, some insurance companies use math to guess how likely you are to accept a price hike or how likely you are to switch to a different company. This bill would make it illegal for them to use that information to raise your premiums. The bill is currently being discussed in the Senate.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Positive outlook
70%
Benefits
- Prevents price discrimination based on consumer behavior
- Increases fairness in insurance premium determination
- Promotes market competition focused on risk rather than elasticity
Risks
- Increases compliance costs for insurance providers
- Limits flexibility for insurers to model consumer behavior
- Potential transition costs for revising current pricing algorithms
Society
Positive outlook
75%
Benefits
- Reduces financial strain on car owners
- Enhances consumer trust in insurance fairness
- Prevents unfair surcharges for non-risk related behaviors
Risks
- May lead to generalized rate increases for all consumers
- Reduces access to highly customized insurance discount models
- Limits options for consumers who prefer specific price flexibility
Technology Industry
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Civic Accountability
Positive outlook
70%
Benefits
- Codifies clear consumer protection against unfair pricing
- Empowers regulators to oversee insurance rating methodologies
- Provides an enforceable standard for insurance rate filings
Risks
- Requires regulators to actively police complex math models
- Relies on self-reporting from insurers regarding compliance
- Potential for legal disputes over defining 'price optimization'
Public Health & Safety
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
03
How trustworthy & consequential it is
Sourcing already shown above, this is what the analysis found worth flagging.
Source
OpenStates
Official bill text or data from OpenStates.
Confidence
Low
Information is limited or incomplete.
Analysis basis
OpenStates summary
Source used for this bill's analysis.
Source note
Regulation of proprietary algorithms may lead to litigation over trade secrets.
Analysis scope
Source provided is a summary and does not contain the full legislative text.
04
Where it stands
Official record- IntroducedComplete
- CommitteeComplete
- Chamber votesComplete
- Final agreementComplete
- GovernorCurrent
- EnactedUpcoming
05
How it affects your district
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06
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