SB 2585
Gutierrez’s bill barring auto premiums based on sex or marriage
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 disparate premiums for personal automobile insurance policies based on certain characteristics of the insured.
Caption from analyzed text · version I.
Summary
Drivers 21 or older can’t pay more for sex or marital status alone.
This bill bars auto insurers in Texas from charging a driver age 21 or older a higher premium on a personal auto policy solely because of the driver's sex or marital status. It covers every kind of insurer writing auto insurance in the state, including county mutuals, Lloyd's plans and reciprocal exchanges, and it reaches every adult policyholder. Starting with policies issued or renewed on or after January 1, 2026, a single man and a married woman of the same age can no longer be priced differently on those two factors alone.
Labels
Labels: NEVER GOT A HEARING. Filed Mar 13, 2025 and referred to the Senate Business & Commerce committee. No public hearing. The bill died.
Receipt
The receipt
89R-SB2585 · 2025-03-13
SOLD BY
ITEM
relating to disparate premiums for personal automobile insurance policies based on certain characteristics of the insured.
WHAT IT DOES
Drivers 21 or older can’t pay more for sex or marital status alone.
This bill bars auto insurers in Texas from charging a driver age 21 or older a higher premium on a personal auto policy solely because of the driver's sex or marital status. It covers every kind of insurer writing auto insurance in the state, including county mutuals, Lloyd's plans and reciprocal exchanges, and it reaches every adult policyholder. Starting with policies issued or renewed on or after January 1, 2026, a single man and a married woman of the same age can no longer be priced differently on those two factors alone.
CHARGES
[ ] NONE FOUND
TOTAL
No fiscal note in the loaded record.
HISTORY
- Received by the Secretary of the Senate
- Filed
- Read first time
- Referred to Business & Commerce
FILED UNDER
No verified beat found.
THANK YOU FOR CHECKING THE RECEIPT
CAMPAIGN PAID FOR BY
CAMPAIGN PAID FOR BY
Donors
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 · Jul 7, 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.
Texas Trial Lawyers Association PAC$65,000.00
Texas Trial Lawyers Association PAC
$65,000.00
- Cash
- $65,000.00
- Paid by others
- $0.00
- Total
- $65,000.00
Also funds 137 other sitting lawmakers.
Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamSources
Derived itemized flow · Aug 15, 2024 to Sep 1, 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.
Report IDs: 101012330, 101033990, 101060131, 101069677.
Kickapoo Traditional Tribe of Texas$40,000.00
Kickapoo Traditional Tribe of Texas
$40,000.00
- Cash
- $40,000.00
- Paid by others
- $0.00
- Total
- $40,000.00
Also funds 53 other sitting lawmakers.
Derived recipient stock · Aug 15, 2024 to Sep 21, 2026. State data as of Nov 4, 2026.
Name match, not a verified identity: normalized filed name and state.
TeamSources
Derived itemized flow · Aug 26, 2024 to Aug 13, 2025. 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.
Report IDs: 101012330, 101033990.
Border Health PAC$25,000.00
Border Health PAC
$25,000.00
- Cash
- $25,000.00
- Paid by others
- $0.00
- Total
- $25,000.00
Also funds 17 other sitting lawmakers.
Derived recipient stock · Oct 28, 2024 to Aug 26, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamSources
Derived itemized flow · on Nov 26, 2025. 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.
Report IDs: 101033990.
Missing data does not establish zero giving. Display amounts are rounded.
Texas Trial Lawyers Association PAC
$65,000.00
- Cash
- $65,000.00
- Paid by others
- $0.00
- Total
- $65,000.00
Also funds 137 other sitting lawmakers.
Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamSources
Derived itemized flow · Aug 15, 2024 to Sep 1, 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.
Report IDs: 101012330, 101033990, 101060131, 101069677.
Kickapoo Traditional Tribe of Texas
$40,000.00
- Cash
- $40,000.00
- Paid by others
- $0.00
- Total
- $40,000.00
Also funds 53 other sitting lawmakers.
Derived recipient stock · Aug 15, 2024 to Sep 21, 2026. State data as of Nov 4, 2026.
Name match, not a verified identity: normalized filed name and state.
TeamSources
Derived itemized flow · Aug 26, 2024 to Aug 13, 2025. 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.
Report IDs: 101012330, 101033990.
Border Health PAC
$25,000.00
- Cash
- $25,000.00
- Paid by others
- $0.00
- Total
- $25,000.00
Also funds 17 other sitting lawmakers.
Derived recipient stock · Oct 28, 2024 to Aug 26, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamSources
Derived itemized flow · on Nov 26, 2025. 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.
Report IDs: 101033990.
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 Senate · Filed Mar 13, 2025
04/03/2025 S Referred to Business & Commerce
Texas Legislature Online · Introduced
Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.
Senate committee · Business & Commerce · Final status: Died in committee
Subjects
Insurance--Motor Vehicles
Vehicles & Traffic--Insurance/Financial Responsibility
Text
The text as introduced · 202 words
89R17076 SCR-D By: Gutierrez S.B. No. 2585 A BILL TO BE ENTITLED AN ACT relating to disparate premiums for personal automobile insurance policies based on certain characteristics of the insured. BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: SECTION 1. Subchapter B, Chapter 1953, Insurance Code, is amended by adding Section 1953.053 to read as follows: Sec. 1953.053. DISPARATE PREMIUMS BASED ON SEX OR MARITAL STATUS PROHIBITED. (a) This section applies to an insurer writing automobile insurance in this state, including an insurance company, corporation, reciprocal or interinsurance exchange, mutual insurance company, capital stock company, association, county mutual insurance company, Lloyd's plan, and any other insurer. (b) An insurer may not impose on a personal automobile insurance policy a premium: (1) on an insured who is at least 21 years of age; and (2) that is greater than an insured of the same age solely because of: (A) the sex of the insured; or (B) the marital status of the insured. SECTION 2. Section 1953.053, Insurance Code, as added by this Act, applies only to an insurance policy delivered, issued for delivery, or renewed on or after January 1, 2026. SECTION 3. This Act takes effect September 1, 2025.