加州拟取消车险定价中的婚姻状况因素：保费看驾驶风险，不看结没结婚
在美国加利福尼亚州，单身司机可能很快不再因为「没结婚」而多付车险保费。加州保险长官 Ricardo Lara 已提出法规修订，禁止保险公司在核定私家车保险费率时把驾驶人的婚姻状况作为可选定价因素，让保费回归驾驶风险本身。
现行规则源自加州103号提案：车险费率主要由三项强制因素决定，即驾驶安全记录、年均行驶里程和驾龄；保险长官另可批准与出险风险有实质关联的可选因素。自1996年以来，婚姻状况一直是获准使用的可选因素之一，保险公司可自行选择是否采用，已婚者往往因此拿到更低报价。
「你的车险价格应该取决于你怎么开车，而不是你是否结了婚。」Lara 表示，30年来保险公司都被允许用婚姻状况定价，这次行动就是要终结这一过时做法。州众议会保险委员会主席 Lisa Calderon 与州参议院保险委员会主席 Steve Padilla 均公开支持，称未婚驾驶人不应仅因未婚而多付钱，定价应建立在安全记录等真实风险指标上。
这项提案也建立在此前的一项法院裁决之上：加州第一区上诉法院今年7月16日在 Ison 诉 Lara 案中确认，保险长官对可选费率因素拥有审批权。拟议法规正式生效后，目前使用婚姻状况定价的保险公司须通过103号提案的审核程序修订其费率计划，调整后的费率仍须经保险部审查，确保不高、不低、不带歧视。消费者如有保险疑问，可拨打加州保险部热线 1-800-927-4357。（来源：加州保险部）
California Proposes Ending Use of Marital Status in Auto Insurance Rates
Single drivers in California may soon stop paying more for car insurance simply because they are unmarried. California Insurance Commissioner Ricardo Lara has proposed regulations to prohibit insurers from using a driver's marital status as an optional factor when setting private passenger auto insurance rates, so premiums reflect driving risk instead.
Under Proposition 103, California auto rates are set mainly by three mandatory factors: driving safety record, annual miles driven, and years of driving experience. The Insurance Commissioner may also approve optional factors with a substantial relationship to the risk of loss. Since 1996, marital status has been one of those approved optional factors, and insurers that chose to use it often quoted married drivers lower rates.
'The price of your auto insurance should be based on how you drive, not whether you're married,' Lara said, noting that insurers have used marital status for 30 years and calling the proposal an end to an outdated practice. Assembly Insurance Committee Chair Lisa Calderon and Senate Insurance Committee Chair Steve Padilla both backed the change, arguing that ratemaking should rest on real indicators of risk such as safety records and mileage.
The proposal follows a July 16, 2026 ruling by California's First District Court of Appeal in Ison v. Lara, which upheld the Commissioner's authority over optional rating factors under Proposition 103. Once the regulations are final, insurers using marital status will have to bring their rating plans into compliance through the department's Prop. 103 review process, and any resulting rates remain subject to review for fairness. Consumers with insurance questions can call the department's hotline at 1-800-927-4357. (Source: California Department of Insurance)
来源：加州保险部
发布：GSM·美国（发布链接）
图片来源：图：公路上行驶的汽车（资料图）。CC0，经 Wikimedia Commons。 / Photo: A car on the highway (file photo). CC0, via Wikimedia Commons.
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