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 for the workgroup's consideration to
 
kathryn.callahan1@maryland.gov on or before November 25, 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