HB 4556
bill lets insurers raise rates over traffic charges
Died in committee
Verdict: No flags
Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade
Caption
relating to automobile insurance rating plan consequences for traffic violation charges or convictions.
Caption from analyzed text · version I.
Summary
Charged, never convicted? Your premium can still go up.
This bill flips a current ban: car insurance rating plans would now be allowed to raise rates because of a traffic charge or conviction under the state's traffic rules. It touches every Texas driver with auto insurance and the insurers who set their premiums, including drivers who were only charged and never convicted. Starting with policies issued or renewed on or after January 1, 2026, insurers could raise premiums over traffic tickets where the law now says they may not.
Labels
Labels: NEVER GOT A HEARING. Filed Mar 12, 2025 and referred to the House Insurance committee. No public hearing. The bill died.
Receipt
The receipt
89R-HB4556 · 2025-03-12
SOLD BY
ITEM
relating to automobile insurance rating plan consequences for traffic violation charges or convictions.
WHAT IT DOES
Charged, never convicted? Your premium can still go up.
This bill flips a current ban: car insurance rating plans would now be allowed to raise rates because of a traffic charge or conviction under the state's traffic rules. It touches every Texas driver with auto insurance and the insurers who set their premiums, including drivers who were only charged and never convicted. Starting with policies issued or renewed on or after January 1, 2026, insurers could raise premiums over traffic tickets where the law now says they may not.
CHARGES
[ ] NONE FOUND
TOTAL
No fiscal note in the loaded record.
HISTORY
- Filed
- Read first time
- Referred to Insurance
FILED UNDER
No verified beat found.
THANK YOU FOR CHECKING THE RECEIPT
CAMPAIGN PAID FOR BY
CAMPAIGN PAID FOR BY
Donors
Donors report through Friends of Tom Oliverson.
Not tied to this bill.
Sources
The author's campaign account only. Own money and internal transfers are separate on the member page.
Derived itemized flow · Oct 27, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
MoneyMissing data does not establish zero giving. Display amounts are rounded.
Votes
No floor vote loaded for this bill.
Fiscal
No fiscal note in the loaded record.
How this was graded
Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.
Sources
Texas House · Filed Mar 12, 2025
04/03/2025 H Referred to Insurance: Apr 3 2025 12:38PM
Texas Legislature Online · Introduced
Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.
House committee · Insurance · Final status: Died in committee
Subjects
Insurance--Insurers & Agents
Insurance--Motor Vehicles
Text
The text as introduced · 191 words
89R10509 SCL-D By: Oliverson H.B. No. 4556 A BILL TO BE ENTITLED AN ACT relating to automobile insurance rating plan consequences for traffic violation charges or convictions. BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: SECTION 1. Section 1953.051(a), Insurance Code, is amended to read as follows: (a) A rating plan regarding the writing of automobile insurance [ , other than insurance written under Chapter 2151, ] may [ not ]: (1) assign a rate consequence to a charge or conviction for a violation of Subtitle C, Title 7, Transportation Code; or (2) otherwise cause premiums for automobile insurance to be increased because of a charge or conviction described by Subdivision (1). SECTION 2. Section 1953.051, Insurance Code, as amended by this Act, applies only to an insurance policy delivered, issued for delivery, or renewed on or after January 1, 2026. A policy delivered, issued for delivery, or renewed before January 1, 2026, is governed by the law as it existed immediately before the effective date of this Act, and that law is continued in effect for that purpose. SECTION 3. This Act takes effect September 1, 2025.