Oklahoma House Bill HB2930

Oklahoma 2026 Regular Session

• Introduced: 2/2/26
• Refer: 2/3/26
• Refer: 2/4/26

Caption

Insurance; motor vehicle policies; traffic record; rates; cancellation; renewal; first claim; hearing; effective date.

Summary

HB2930 amends Oklahoma’s motor vehicle insurance laws to limit how insurers may use a driver’s traffic history and claim activity when setting rates, canceling policies, or deciding whether to renew coverage. Under the bill, insurers could not base adverse underwriting decisions on Department of Public Safety traffic records that are more than three years old, except that certain serious offenses and reckless driving could be considered for up to five years. The bill also keeps in place protections against using acquittals, dismissed charges, or arrests without charges as grounds for cancellation, nonrenewal, or rate increases. The bill adds a new restriction on post-claim underwriting by prohibiting insurers from canceling, refusing to renew, terminating, or increasing premiums on a motor vehicle policy that has been in effect more than 45 days solely because the insured filed a first claim. It preserves exceptions for nonpayment, fraud or material misrepresentation, certain serious traffic offenses, and situations where the Insurance Commissioner determines continued coverage would violate state insurance law. The Insurance Commissioner is authorized to suspend or revoke an insurer’s certificate of authority, or otherwise censure or fine the insurer, for violations after notice and a hearing.

Impact

HB2930 would amend Sections 942 and 943 of Title 36 of the Oklahoma Statutes, tightening limits on the use of traffic records in auto insurance underwriting and expanding protections for policyholders after a first claim. It would affect motor vehicle liability and collision insurers operating in Oklahoma, the Department of Public Safety traffic record data used in underwriting, and the Insurance Commissioner’s enforcement authority. The bill would take effect November 1, 2026, if enacted.

Sentiment

Based on the available context, the bill appears to be framed as a consumer-protection measure aimed at preventing insurers from relying on older traffic records or a single first claim to penalize drivers. There are no committee transcripts or recorded votes provided, so there is no documented opposition or support in the supplied materials. The caption and text suggest a policy focus on fairness in auto insurance pricing and renewal decisions.

Contention

The main points of potential contention are the limits placed on insurers’ underwriting discretion and the new prohibition on adverse action after a first claim. Insurers may view the three-year lookback limit, the five-year exception for certain offenses, and the ban on using a first claim as the sole basis for cancellation or premium increases as restrictions on risk-based pricing. Consumer advocates would likely support these provisions as protections against over-penalizing drivers for older incidents or a single claim. The bill preserves exceptions for fraud, nonpayment, and serious offenses, which may reduce but not eliminate disagreement over how broadly insurers can act.