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NY S04082: Prohibits motor vehicle insurers from discrimination on the basis of socioeconomic factors in determining algorithms used to construct actuarial tabl…

In Committee New York

Last verified Oct 12, 2026 · official bill text

S04082 · where it stands

1 of 5 steps complete
  1. Introduced In committee
  2. Passed first chamber
  3. Passed both chambers
  4. Enacted
  5. Effective
What do these statuses mean?
Introduced
Filed in the legislature; may be waiting for a committee hearing.
Passed a chamber
Approved by one or both chambers; awaiting further action.
Enacted
Signed into law, or became law without a signature or over a veto.
Effective date
The date the law says it takes effect. Once it has passed, the page shows "Effective" and the date. A court order can still block a law; if we know of one, the summary says so.
Dead / vetoed
Vetoed, failed, or the session ended without action.
View full title

Prohibits motor vehicle insurers from discrimination on the basis of socioeconomic factors in determining algorithms used to construct actuarial tables, coverage terms, premiums and/or rates.

In one paragraph

New York's S 4082 would add Insurance Law § 2619 barring motor vehicle insurers from basing classification plans, rates or rating plans, in whole or in part, on eleven listed factors, including age, marital status, sex, education, occupation, income, credit information, property ownership and price elasticity of demand. It would also bar using them to adjust algorithms used to build actuarial tables or set coverage cost. Referred to Insurance January 7, 2026; it has not passed either chamber.

Plain-English summary, written with AI assistance. The official text controls.

What it means for business

None yet: the bill is pending. If enacted, motor vehicle insurers in New York could not use the listed socioeconomic factors in rating plans or algorithms for premiums, and could not refuse policies on those factors.

Key provisions

  1. Insurers may not base classification plans, rules, rates or modifications on age, marital status, sex, sexual orientation, education level, occupation, income, credit information or score, real property ownership, price elasticity of demand or any other characteristic indicating socioeconomic status
  2. Rules using those factors are deemed to violate public policy and are subject to disapproval by the Superintendent
  3. Unlawful to use those factors to adjust algorithms or equations used to build actuarial tables or set coverage cost, to discriminate on premiums, rates or coverage terms, or to refuse to issue, renew or sell a policy
  4. No separate penalty or private right of action is stated
  5. Would take effect immediately

Latest legislative action

Jan 7, 2026. referred to insurance

Sponsors (showing 5 of 10)

NameRole
Primary
Primary
D Primary
D Primary
Primary

Related and companion bills

Topics and industries

Related topics

AI in InsuranceAutomated Decision-Making

Affected industries

Finance

This page is general information, not legal advice. Summaries are AI-assisted and may contain errors; read the statute for the controlling text and talk to a lawyer about your situation. Full disclaimer · Report an error

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Same topic in other states

Nebraska LB77 Adopt the Ensuring Transparency in Prior Authorization Act and provide for insur Colorado SB21-169 Concerning protecting consumers from unfair discrimination in insurance practice Maryland HB820 Health Insurance - Utilization Review - Use of Artificial Intelligence Illinois SB3114 TRANSPARENCY IN DOWNCODING ACT Washington SB5395 Making improvements to transparency and accountability in the prior authorizatio Minnesota HF4188 Commerce policy bill (Laws 2026, chapter 124), including article 3, section 6 ba