N.Y. Insurance Law Section 2341
Prohibition against the use of employment, education, homeownership, and zip code for private passenger motor vehicle insurance rates

(a)

An insurer shall not use the following factors as the sole basis for initial tier placement, tier movement, or the establishment of rates for motor vehicle insurance subject to § 3425 (Certain property/casualty insurance policies)section three thousand four hundred twenty-five of this chapter:

(1)

occupational status or type of occupation;

(2)

education level attained;

(3)

homeownership; and

(4)

the zip code in which the motor vehicle is principally garaged, provided, however, that an insurer may use a group of contiguous zip codes in accordance with § 2307 (Rating classifications or territories)section two thousand three hundred seven of this article.

(b)

Nothing in this section shall be construed to prohibit:

(1)

consideration of occupational status or type of occupation to determine whether a motor vehicle is used for a business or commuting purpose; or

(2)

consideration of occupation to the extent strictly necessary to offer policies pursuant to a mass merchandising plan; or

(3)

any actuarially justified discounts approved by the superintendent. * NB Effective November 23, 2026

Source: Section 2341 — Prohibition against the use of employment, education, homeownership, and zip code for private passenger motor vehicle insurance rates, https://www.­nysenate.­gov/legislation/laws/ISC/2341 (updated May 29, 2026; accessed Jun. 18, 2026).

2301
Purpose 2302
Applicability 2303
Standards for rates 2304
Rate making and supporting information 2305
Rates or rating plans 2306
Delegation of rate filing obligation 2307
Rating classifications or territories 2308
Imposition of prior approval 2309
Excess rate 2310
Informational filings 2311
Suspension of filing requirement 2312
Immigration bond premium 2313
Rate service organization 2314
Charging of rates 2315
Recording and reporting of experience 2316
Prohibition of anti-competitive behavior 2317
Joint underwriting or joint reinsurance 2318
Risk sharing plans 2319
Information to be furnished insureds 2320
Enforcement and penalties 2321
Enforcement and penalties 2322
Final determination 2323
Profitability and rates of return 2324
Rebating and discrimination 2325
Accounts and statistics 2326
Evaluation of competitive rating provisions 2327
Verification of driving history 2328
For hire motor vehicle insurance rates 2329
Motor vehicle insurance rates 2330
No fault motor vehicle insurance rates 2331
Motor vehicle comprehensive insurance rates 2332
Non-commercial private passenger automobile insurance rates 2333
Non-commercial private passenger automobile insurance rates 2334
Non-commercial private passenger automobile insurance rates 2335
Motor vehicle liability insurance rates 2335–A
Prohibition of rate increases for persons involved in emergency use of vehicles 2336
Motor vehicle liability, comprehensive and collision insurance rates 2336–A
Snowmobile liability insurance rates 2336–B
Boat liability insurance rates 2337
Private passenger automobile physical damage insurance 2338
Appeal from rate service organization action 2339
Charging or receiving of rates 2340
Credit property insurance 2341
Prohibition against the use of employment, education, homeownership, and zip code for private passenger motor vehicle insurance rates 2342
Expiration of certain provisions 2343
Medical malpractice insurance rates 2344
Flexible rate limitations in problem markets 2345
Disclosure of premium reductions and surcharges 2346
Reduction in rates of fire insurance, homeowners insurance or property/casualty premiums for residential property 2346–A
Reduction in rates of certain commercial risk insurance premiums for real property 2347
Workers’ compensation rate changes 2348
Anti-theft and fraud savings 2349
Multi-tier program 2350
Flexible rating for nonbusiness automobile insurance policies 2351
Homeowners’ insurance policies 2352
Multiple rating programs 2353
For-hire motor vehicle safety program 2356
Premium change explanations
Green check means up to date. Up to date

Verified:
Jun. 18, 2026

Last modified:
May 29, 2026

§ 2341. Prohibition against the use of employment, education, homeownership, & zip code for private passenger motor vehicle insurance rates's source at nysenate​.gov

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