It would bar consideration of credit, ZIP code and more in insurance rates
The Prohibit Auto Insurance Discrimination (PAID) Act has been reintroduced in the US House of Representatives, aiming to ban the use of non-driving-related factors such as credit scores and occupation in determining auto insurance premiums.
House Resolution 336 would extend prohibitions beyond credit scores and occupations to include education level, employment status, gender, ZIP code, census tract, homeownership status, previous insurer, and prior insurance purchases. The bill’s language specifies that these factors would no longer be permitted when insurers calculate premiums.
The legislation, reintroduced as H.R. 3664 in May 2025 by representatives Rashida Tlaib (pictured above) of Michigan, Bonnie Watson Coleman of New Jersey, and Mark Taka…