Private Passenger Automobile Insurance Affordability Workgroup

​2025 Maryland Laws Ch. 395 (H.B. 1098) directs the Insurance Commissioner to chair a workgroup charged with studying and reporting to the Governor and General Assembly on issues relating to the affordability of private passenger automobile insurance in the State. The report outlining the workgroup's findings and recommendations is due by January 1, 2026.

In furtherance of the workgroup's study and the development of the required report, the workgroup will hold a series of virtual public meetings. Meeting dates, agendas, and materials will be posted below. Material that is considered by workgroup members, but not necessarily specifically discussed at any workgroup meeting, will also be posted below. Members of the public will have the opportunity to sign up in advance to provide live feedback on the topics to be covered at each meeting, after the Workgroup's discussions, as time and technology allow.

Interested parties are invited to submit written feedback on the draft workgroup report to
 
kathryn.callahan1@maryland.gov on or before December 10, 2025.


Meeting 1: Tuesday, September 16, 2025
Click HERE​ to view meeting

Agenda
PPA Insurance Affordability (HB 1098) Workgroup - MIA presentation
Maryland PPA Affordability Working Group Overview of Rising Costs of Auto Insurance​ - American Property Casualty Insurance Association
Factors Affecting Affordability in MD​ - Economic Action Maryland presentation
DRAFT Workgroup Plan
Maryland PPA Affordability Workshop - NAMIC

Meeting 2: Tuesday, October 28, 2025
Click HERE to view meeting

Agenda
PPA Insurance Affordability (HB 1098) Workgroup​ - MIA presentation​
Auto Affordabilithy in Maryland - Economic Action Maryland presentation
Maryland Automobile Insurance Fund​ - Presentation

Materials Considered by the Workg​​roup​

APCIA Electric Vehicle Adoption and Impacts
APCIA Overview of Personal Auto Market Pressures
NAMIC Issue Analysis - Insuring the Future: Electric Vehicles
Key reforms in Florida (2023) and Georgia (2025) and Affordability/Availability Impacts​ - American Property Casualty Insurance Association (APCIA) Overview of Recent Tort Law Reforms in FL and GA​​
Credit-based Insurance Scoring and Auto Insurance Affordability - American Property Casualty Insurance Association (APCIA)
Territory Rating in Maryland - American Property Casualty Insurance Association (APCIA)
The proven relationship between credit-based insurance scores, actual driving behaviors and insurance costs - American Property Casualty Insurance Associaiton (APCIA)
2026 Roadmap to Safety​ - Advocates for Highway and Auto Safety
Report on Market Conduct Examination​ - DC Department of Insurance 

Meeting 3: Tuesday, November 18, 2025, 2:00 PM - 4:00 PM
Click HERE​ to view meeting 


Meeting 4: Thursday, December 4, 2025, 2:00 PM - 4:00 PM
Agenda
DRAFT Workgroup Report on the Affordability of Private Passenger Automobile Insurance

ZoomGov Link:  https://maryland-insurance.zoomgov.com/j/1609192811
Dial-In: (646) 828-7666
Webinar ID: 160 919 2811

Written Feedback Submitted to the Workgroup

PPA Insurance Affordability​ - Robert Burch, Allstste, November 13, 2025
NAMIC Comment Letter - Private Passenter Automobile Insurance Affordability Workgroup Meeting - November 18, 2025
Comments on Workgroup to Study Private Passenger Automobile Insurance under House Bill 1098​ - Maryland Association of Mutual Insurance Companies
NAMIC Comment Letter TWO - Private Passenter Automobile Insurance Affordability Workgroup Meeting - November 25, 2025
The BIG I Maryland Comment Letter - Private Passenter Automobile Insurance Affordability Workgroup - November 25, 2025
Consumer Federation of America Comment Letter - Private Passenter Automobile Insurance Affordability Workgroup on Reducing Auto Insurance Costs - November 25, 2025
Comment Letter from various consumer protection, financial justice, housing, labor and legal service organizations​ - Private Passenter Automobile Insurance Affordability Workgroup Meeting - November 25, 2025