The civic record
Read. Follow. Verify.Missouri bill restricts automobile insurers from purchasing driver telematics data without written consent
Last action · April 13, 2026: Public Hearing Completed (H)Sponsor: Bill Lucas
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What This Bill Would Do
Automobile insurers are prohibited from purchasing or obtaining a vehicle's telematics or from third parties without express written consent from the vehicle owner or primary driver. Insurers are also barred from raising rates, denying coverage, or canceling policies solely because a driver refuses to share their driving data. The measure empowers the director of the department of commerce and insurance to enforce these rules and levy civil penalties.
Drivers gain legal control over whether their driving habits, speeds, and GPS locations are sold or accessed by insurance companies, and insurers face state penalties for unauthorized data acquisition.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Automobile insurers
Insurers face strict limitations on purchasing, selling, or using third-party vehicle telematics data and are prohibited from penalizing drivers who withhold consent.
Vehicle owners and primary drivers
Owners gain the right to give express written consent before their driving data is obtained, receive mandatory disclosures, and request copies of collected data.
Department of Commerce and Insurance
The department's director is granted new administrative authority to enforce provisions, conduct hearings, issue rules, and levy civil penalties.
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
Can my auto insurance company raise my rates if I refuse to share my vehicle's driving data?
Can I see what driving data an insurance company has collected about my vehicle?
Who is responsible for enforcing these telematics privacy rules?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
5 actions- Apr 13, 2026HousePublic Hearing Completed (H)
- Jan 8, 2026HouseCommitteeReferred: Insurance(H)
- Jan 8, 2026HouseFloorRead Second Time (H)
- Jan 7, 2026HouseIntroducedRead First Time (H)
- Dec 10, 2025HouseIntroducedPrefiled (H)
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
house.mo.gov
Analysis Score
0–100- Significance75How much this matters to a regular citizen
- Controversy60Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz40Current news / social attention level
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