PRIVATE PASSENGER AUTOMOBILE INSURANCE AFFORDABILITY WORKGROUP

Chair: Marie L. Grant, J.D., Maryland Insurance Commissioner

[photo, St. Paul Plaza, 200 St. Paul Place, Baltimore, Maryland] Appointed by Senate President: Alonzo T. Washington

Appointed by House Speaker: David Fraser-Hidalgo

Appointed by Maryland Insurance Commissioner: Nancy J. Egan, Esq.; Michael J. McCartin; Marceline White.

Ex officio: Alfred W. Redmer, Jr., Executive Director, Maryland Automobile Insurance Fund

St. Paul Plaza, 200 St. Paul Place, Baltimore, Maryland, January 2001. Photo by Diane F. Evartt.

Staff: Kathryn E. (Katie) Callahan, J.D.

c/o Maryland Insurance Administration
St. Paul Plaza, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202 - 2272
(410) 468-2000; 1-800-492-6116 (toll free)
e-mail: kathryn.callahan1@maryland.gov
web: https://insurance.maryland.gov/Consumer/Pages/Private-Passenger-Automobile-Insurance-Affordability-Workgroup.aspx

In July 2025, the General Assembly required the Maryland Insurance Administration to create the Private Passenger Automobile Insurance Affordability Workgroup (Chapter 395, Acts of 2025).

The Workgroup is studying the affordability of private passenger automobile insurance in Maryland, including factors that contribute to premium rate increases and trends in rate increases. It also seeks policy options to provide greater transparency regarding automobile insurance premiums and to make automobile insurance more affordable in the State. Further, the Workgroup is considering how best to define “affordability” in terms of setting private passenger automobile insurance premium rates. In addition, the Workgroup evaluates methodologies by which affordability can be considered in establishing private passenger automobile insurance rates consistent with rate-making principles codified by law in the Insurance Article of the Maryland Code; and considers the financial status of private passenger automobile insurers in the State and potential options to address excess profits.

Authorization for the Workgroup was extended to end June 30, 2027 (Chapter 395, Acts of 2025; Chapter 786, Acts of 2026).

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