Illinois Secretary of State Alexi Giannoulias is taking aim at auto insurance rate practices he calls unfair and discriminatory. Launching the “Driving Change” campaign, Giannoulias wants to stop insurers from using credit scores, zip codes, age, and even social media data to set auto premiums. Instead, he argues, safe driving should matter most. With support from AARP Illinois and lawmakers, the campaign is gathering stories from residents who feel penalized by current rate-setting methods. Town Hall meetings across the state are planned, and a new website—ilsos.gov/drivingchange—offers information and a direct way for the public to get involved in pushing for reform.
“As Secretary of State, I strongly believe that an individual’s driving record should serve as the primary factor that’s analyzed when setting auto insurance rates,” Giannoulias said. “Insurance companies need to implement a ratemaking process that’s fair and transparent. The current system results in fewer Illinoisans being able to afford insurance and fewer opting to pay for it, making our roads less safe for everyone.”
Illinois drivers are facing steep increases in auto and home insurance costs, as recent studies uncover widespread inequities in how rates are determined. Data shows that drivers with spotless records but poor credit pay hundreds more than those with serious violations but excellent credit. These practices severely impact residents of disadvantaged neighborhoods and communities of color. Auto insurance rates jumped 18% this year and could climb another 4% in 2025, fueled by rising vehicle part prices. State Farm is also raising homeowners’ premiums by over 27%, heightening calls for state leaders to address these systemic issues and protect consumers.
“Older drivers in Illinois are the safest drivers, and their auto insurance rates should reflect this,” said Philippe Largent, State Director for AARP Illinois. “On behalf of our 1.7 million members across the state, we applaud Secretary Giannoulias for his interest in finding a ratemaking process that does not discriminate against drivers for their age. And we look forward to working with his office, the insurance industry and the General Assembly to develop criteria that ensures Illinois’ safe drivers are not penalized for non-driving related factors. They deserve rates that are as low and fair as possible.”
