佐治亚州候任保险专员公布百日计划：推动禁止用信用评分和邮政编码定保费
Atlanta—佐治亚州候任保险与消防安全专员 Keisha Sean Waites 在当选后接受佐治亚州富尔顿县 Atlanta 的 WSB-TV（Channel 2 Action News）专访时公布上任百日计划，排在第一位的，是推动州议会立法禁止保险公司用信用评分和邮政编码核定保费。她说：「这些东西与计算你作为投保人的风险毫无关系。」
Waites 在11月3日的选举中以约54%对46%的得票率击败共和党籍现任专员 John King，非正式计票为54.28%对45.72%。今年全美只有四个州举行保险专员选举，佐治亚州是唯一党派易手的一州。她将于2027年1月就任。Waites 曾任州众议员和 Atlanta 市议员，也曾在联邦紧急事务管理署（FEMA）工作。King 于2019年由州长 Brian Kemp 任命，接替因欺诈和挪用罪名被定罪的前任，2022年赢得完整任期。
她的百日计划共有三项优先事项：请州议员立法禁止用信用评分和邮政编码定价；加强消费者在保险公司涉嫌不当或疏忽时采取行动、追回损失的能力；精简佐治亚州的保险监管流程，吸引更多保险公司进入本州市场、增加竞争。她还承诺加快理赔支付、让保险公司对费率负责，并实际上冻结部分汽车和住房保险费率。就费率本身，她表示专员不能单方面冻结，但其办公室可以审查拟议涨价，在保险公司拿不出精算数据支持时拖延或否决。
信用评分对佐治亚州保费的影响有具体数字。MoneyGeek 的分析显示，该州一名信用不良的驾驶人全险年均保费为3,139美元，比信用优秀的同一驾驶人多付1,839美元，约合每月153美元；信用优秀者的年保费约为1,300美元。邮政编码的价差相对较小，州内中间八成邮编的全险年保费区间相差761美元，最贵的 Atlanta 西南部邮编30311为3,483美元，最便宜的 Valdosta 邮编31605为1,247美元。
这项禁令能否落地取决于州议会。时任州参议员 Nabilah Islam Parkes 已在2026年2月提出三项同方向法案：SB 505要求汽车和住房费率须经专员事先批准才能使用，SB 506禁止用包括邮政编码在内的地域分类定汽车保费，SB 507禁止保险公司在承保和定价中使用信用信息与信用评分。三项法案2月17日被提交委员会，均未获表决，随2025至2026会期结束而失效，须在2027年1月新一届议会重新提出。据 Experian 统计，目前加利福尼亚州、夏威夷州、马萨诸塞州和密歇根州四州禁止汽车保险使用信用定价，佐治亚州若通过将成为第五个州。分析同时指出，禁令只会在驾驶人之间重新分配成本，保险公司仍会用剩下的定价因素收取与理赔相当的总保费。
（来源：WSB-TV）
Georgia Insurance Commissioner-Elect Waites Unveils First-100-Days Plan to Ban Credit Scores and ZIP Codes in Insurance Pricing
ATLANTA — Georgia Insurance and Safety Fire Commissioner-elect Keisha Sean Waites laid out her first-100-days plan in a post-election interview with WSB-TV (Channel 2 Action News) in Atlanta, Fulton County, Georgia, putting at the top a push for state lawmakers to ban insurers from using credit scores and ZIP codes to set premiums. "Those things have nothing to do with calculating your risk as it relates to your insurance premiums," she said.
Waites defeated Republican incumbent John King in the November 3 election by about 54% to 46%, with unofficial returns at 54.28% to 45.72%. Of the four states that elected insurance commissioners this year, Georgia was the only one to change party. She takes office in January 2027. Waites is a former state legislator and Atlanta City Council member who also worked at the Federal Emergency Management Agency (FEMA). King was appointed in 2019 by Governor Brian Kemp to finish the term of a predecessor convicted of fraud and embezzlement, and won a full term in 2022.
Her plan has three first-100-days priorities: asking lawmakers to ban credit scores and ZIP codes in insurance pricing; strengthening consumers' ability to take action and recover money when insurers are accused of wrongdoing or negligence; and streamlining Georgia's regulatory process to attract more insurers and increase competition. She has also pledged to speed up claims payments, hold insurers accountable for rates, and effectively freeze some auto and homeowners insurance rates. On rates themselves, she said a commissioner cannot simply freeze them, but the office can scrutinize proposed increases and delay or deny them when insurers do not provide actuarial data supporting the higher prices.
The effect of credit on Georgia premiums is measurable. A MoneyGeek analysis found that a Georgia driver with poor credit pays $3,139 a year for full coverage, $1,839 more than the same driver with excellent credit, or about $153 a month; the excellent-credit driver's premium is about $1,300 a year. ZIP codes move premiums less across most of the state: the middle 80% of ZIP codes span a $761 range, from the most expensive, 30311 in southwest Atlanta at $3,483 a year, to the least expensive, 31605 in Valdosta at $1,247.
Whether the ban happens is up to the General Assembly. Then-state Senator Nabilah Islam Parkes filed three bills along the same lines in February 2026: SB 505 would require the commissioner to approve auto and homeowners rates before insurers use them, SB 506 would bar geographic classifications including ZIP codes in auto pricing, and SB 507 would prohibit the use of credit information and credit scores in underwriting and rating. All three were referred to committee on February 17, none received a vote, and all died when the 2025-2026 session ended; any version would have to be filed again when the new General Assembly meets in January. According to Experian, four states — California, Hawaii, Massachusetts and Michigan — bar auto insurers from using credit in pricing, and Georgia would be the fifth if a ban passed. Analysts note a ban would shift costs among drivers rather than lower the total, since insurers would still price expected claims through the rating factors that remain.
(Source: WSB-TV)
来源：WSB-TV
发布：GSM·美国（发布链接）
图片来源：图：位于 Atlanta 的佐治亚州议会大厦西面，金色圆顶是该州地标。DXR 摄，CC BY-SA 4.0，经 Wikimedia Commons。 / Photo: West view of the Georgia State Capitol in Atlanta, with its gold dome. Photo by DXR, CC BY-SA 4.0, via Wikimedia Commons.
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