Delaware Legislature Resigns without Taking Action on Banning Gender As an Auto Insurance Factor



Senate Bill 231—which would have outlawed gender-based rating variables for personal vehicle insurance policies—was adjourned by the Delaware state senate without any action being taken.


According to data conducted by the Consumer Federation of America, women in Delaware who are insured pay more for their insurance than males do.

If it had been law, it would have forced Delaware’s auto insurers to review how they calculate the cost of individual auto insurance plans for all drivers.

Six states, including California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania, and North Carolina, already have similar laws in place.

Triple-I Chief Insurance Officer Dale Porfilio responded to SB 231, which was passed by the Delaware Senate in April 2022. noted a number of issues with the underlying research in his letter to Trinidad Navarro, the insurance commissioner for Delaware.


Website Quotes vs. Issued Policies. Porfilio claimed that even while electronic processing and the Internet have substantially increased the speed and accuracy of quotes, many specifics are still subject to change.

This can result in inaccurate premium estimates.

Comparison of Single Hypothetical Insured and. Range of Actual Insurances.

combining different Zip Codes.

Pricing strategies are honed to extremely specific territorial definitions that differ for each insurer.

The study makes no mention of how the sample was combined across Zip Codes.


Porfilio clarified that the effect of S.B. 231 would be a redistribution of premium payments.

Female policyholders will pay the majority of premium increases, especially when they are younger, and male policyholders will receive the majority of premium decreases.

Concerns concerning American vehicle insurance pricing methods have been raised by critics.

They contend that some scoring criteria unfairly target particular demographics.

In order to appropriately price policies, American vehicle insurance firms use a variety of rating elements, as demonstrated by several instances given by Triple-I.

The state laws and regulations that control the sale of auto insurance plans must be followed by these variables.

Each of these variables has the potential to increase premiums for less risky policyholders while lowering them for more hazardous ones.