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HF3290 (Legislative Session 94 (2025-2026))

Premium reductions for accident prevention course completion expanded to all insureds.

AI Generated Summary

Purpose of the Bill

The bill aims to expand existing automobile insurance premium reductions to a broader group of insured individuals within Minnesota who complete an accident prevention course or refresher course.

Main Provisions

  • Premium Reductions: Insurance companies must offer at least a 10% discount on private passenger vehicle insurance policies to insureds who successfully complete an approved accident prevention course. Previously, this discount applied only to those aged 55 and older.

  • Accident Prevention Course:

    • The Commissioner of Public Safety is tasked with establishing rules for motor vehicle accident prevention courses.
    • Courses must be at least four hours long and completed course requirements must be certified for premium discounts.

  • Course Repetition and Certification:

    • Individuals aged 55 and older can retake these courses every three years to maintain eligibility for the premium reduction.
    • Those who are 58 or older can regain eligibility for the premium reduction by completing a course, even if more than three years have passed since they last qualified.

Significant Changes

  • The bill modifies the age restrictions, allowing individuals younger than 55 to qualify for premium reductions if they complete the approved courses, thus expanding the pool of beneficiaries.

Relevant Terms

  • Automobile insurance
  • Premium reduction
  • Accident prevention course
  • Public Safety Commissioner
  • Course completion certification
  • Private passenger vehicle insurance

Bill text versions

Actions

DateChamberWhereTypeNameCommittee Name
May 05, 2025HouseFloorActionIntroduction and first reading, referred toCommerce Finance and Policy

Citations

 
[
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "This bill modifies the requirements for premium reductions for private passenger vehicle insurance under section 65B.28.",
      "modified": [
        "Changes eligibility for ten percent premium reduction to include all insureds who complete an accident prevention course."
      ]
    },
    "citation": "65B.28",
    "subdivision": "subdivision 1"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "This statute mandates rules for accident prevention courses for eligible drivers.",
      "modified": [
        "Specifies rules that an accident prevention course must include curriculum requirements and the issuance of course completion certifications."
      ]
    },
    "citation": "65B.28",
    "subdivision": "subdivision 2"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "This section pertains to the issuance of a completion certificate for accident prevention courses.",
      "modified": [
        "Allows individuals 58 and older to qualify for premium reduction reinstatement upon course completion."
      ]
    },
    "citation": "65B.28",
    "subdivision": "subdivision 4"
  }
]

Progress through the legislative process

17%
In Committee

Sponsors