← Back to search

HRS §431:10C-207

Insurance companies cannot use personal traits to set rates

This law stops insurance companies from using certain personal details, like race, age, or marital status, to decide your insurance rates. It applies to any rating plan they use. The law lists specific traits that cannot be considered.

everyone

The statute, as written — Discriminatory practices prohibited

No insurer shall base any standard or rating plan, in whole or in part, directly or indirectly, upon a person's race, creed, ethnic extraction, age, sex, length of driving experience, credit bureau rating, marital status, or physical handicap.
Read the official text at capitol.hawaii.gov ↗as published Jan 6, 2026our copy taken Aug 20, 2026

LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.