state_legiscan_drain · RI
Permits on and after July 1, 2027, for an insurer to consider the zip code in which the vehicle is garaged; provided that, the calculation of the zip code is segmented by the municipality where the vehicle is garaged.
February 6, 2026
Summary
If enacted, this bill would permit insurers to use the zip code of a vehicle's garaging location for rating purposes, but only if the zip code calculation is segmented by municipality. This affects auto insurers and consumers in Rhode Island, changing underwriting practices and potentially leading to more granular pricing based on geographic risk.
Source: https://status.rilegislature.gov/
Common questions
- What does "Permits on and after July 1, 2027, for an insurer to consider the zip code in which the vehicle is garaged; provided that, the calculation of the zip code is segmented by the municipality where the vehicle is garaged." cover?
- If enacted, this bill would permit insurers to use the zip code of a vehicle's garaging location for rating purposes, but only if the zip code calculation…
- When was it published?
- It was published on February 6, 2026.