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Read. Follow. Verify.Maryland Lowers Auto Insurance Producer Commission Rate and Bans Direct-Write Commissions
Last action · May 26, 2026: Approved by the Governor - Chapter 796Sponsor: Carl Jackson
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What This Bill Does
Maryland cuts the minimum commission rate that the Maryland Automobile Insurance Fund must pay to s for private passenger auto insurance from 10% to 5%, and prohibits commissions on policies written directly without a producer.
Changes compensation structures for insurance agents and brokers placing policies through the state-backed insurer, altering operational costs and revenue flows for intermediaries handling high-risk auto insurance.
Who It Affects
Groups the bill's text affects, as described in the record. Being affected is not a position for or against it.
fund producers
Fund producers face a reduced minimum commission floor of 5% for private passenger auto insurance and receive no commission on policies written directly by the Fund without a producer.
Maryland Automobile Insurance Fund
The Fund experiences lower statutory minimum payout obligations for agent commissions and is restricted from paying commissions on direct-written policies.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
What is the new minimum commission rate for private passenger auto insurance?
Can fund producers receive commissions on policies written directly by the Fund?
When does this law go into effect?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Current status: Signed into law.
Procedural history
12 actions- May 26, 2026Governor of MarylandEnrolledApproved by the Governor - Chapter 796
- Apr 6, 2026SenateFloorReturned Passed
- Apr 3, 2026HouseFloorThird Reading Passed (116-3)
- Apr 2, 2026HouseFloorFavorable Adopted Second Reading Passed
- Apr 2, 2026HouseCommitteeFavorable Report by Judiciary
- Mar 13, 2026HouseCommitteeReferred Judiciary
Show 6 earlier actions
- Mar 12, 2026SenateFloorThird Reading Passed (45-0)
- Mar 10, 2026SenateFloorSecond Reading Passed with Amendments
- Mar 10, 2026SenateFavorable with Amendments { 723628/1 Adopted
- Mar 9, 2026SenateCommitteeFavorable with Amendments Report by Finance
- Feb 11, 2026SenateHearing 2/25 at 1:00 p.m.
- Feb 5, 2026SenateIntroducedFirst Reading Finance
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Connected Entities
Sources
mgaleg.maryland.gov
Analysis Score
0–100- Significance45How much this matters to a regular citizen
- Controversy15Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz20Current news / social attention level
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