HB 57 would eliminate the use of zip codes in auto insurance premiums and allow consumers to know what their insurance costs are actually based on.

Auto-insurance is legally mandated to drive in Maryland; however, auto insurers can wildly vary their rates from zip code to zip code. For example, a single 30 year-old man living in Baltimore pays over $500 more for auto insurance than he would if he lived in Montgomery County. Likewise, across the state majority low-income and black jurisdictions pay hundreds more for car insurance than majority white and wealthy ones. HB 57 reduces discriminatory practices of using zip codes to set auto-insurance rates.