Louisiana Prohibits Auto Rate Increases Solely Based on Age 65 and Older

Louisiana has enacted House Bill 258, now Act No. 168 of the 2025 Regular Session, prohibiting auto insurers from raising rates solely based on drivers reaching age 65. The updated law forbids premium increases on the basis of age alone, targeting age discrimination in auto liability insurance pricing while allowing adjustments for driving history and claims behavior. Insurers must now reassess rating models and underwriting criteria to ensure compliance, with support documentation prepared for regulatory audits. Violations can result in penalties from the state insurance commissioner. This law represents a regulatory shift in premium-setting practices, emphasizing fairness and may influence similar measures in other states.