Industry · AI underwriting bias, claims-AI fairness, and state insurance-AI rules
AI Compliance for Insurance
AI in insurance touches NAIC AI model bulletins, state insurance department AI rules (Colorado SB21-169, NY Circular Letter 7, etc.), AI underwriting fairness obligations, AI claims-handling disclosure, and the EU AI Act's high-risk classification of insurance AI. AIGI tracks every primary-source AI rule for life, health, P&C, and reinsurance. As of the most recent update, AIGI tracks 127 primary-source items affecting insurance.
Who tracks this?
Typically: Insurance Chief Compliance Officer, GC, or appointed actuary. AIGI is built to put primary-source AI updates affecting insurance in front of this role daily — with citation chains, status timelines, and obligation mapping.
Coverage at a glance
- Items tracked
- 127
- Jurisdictions
- 8
- Last update
- 3/27/2025
Most active jurisdictions for insurance AI
Recent insurance AI activity
- IN enforcement action enforcement 3/27/2025
General Motors sold Hoosier drivers on using OnStar - then sold their data to raise rates – now Attorney General Todd Rokita is driving right through this deceptive collection plan
Indiana AG Todd Rokita has filed a lawsuit against General Motors and OnStar for allegedly secretly collecting and selling Indiana drivers’ personal data to third parties, including insurance companies, without consent, in violation of the Indiana Deceptive Consumer Sales Act.
Authority: Indiana Attorney General
- CA agency report final rule 9/23/2025
[CA CPPA] California Finalizes Regulations to Strengthen Consumers' Privacy
California's CPPA finalized regulations strengthening consumer privacy, including requirements for cybersecurity audits, risk assessments, and automated decision-making technology, with compliance phased in through 2030.
Authority: California Privacy Protection Agency
- TX legislation enacted
[TX Legislature] SB815 (89R): Relating to the use of certain automated systems in, and certain adverse determinations made in connection with, the health benefit claims p
Texas SB815, enacted on June 20, 2025, and effective September 1, 2025, regulates the use of automated systems and adverse determinations in health benefit claims processes.
Authority: Texas Legislature
- MA guidance effective 12/9/2024
MA DOI Bulletin 2024-10: COMMONWEALTH OF MASSACHUSETTS
Massachusetts Division of Insurance reminds insurers that AI-supported decisions must comply with all applicable insurance laws, including those against unfair practices and discrimination.
Authority: Massachusetts Division of Insurance
- WI guidance effective 3/18/2025
The Use of Artificial Intelligence Systems in Insurance
Wisconsin OCI bulletin reminds insurers that AI systems must comply with existing insurance laws, including those on unfair practices and discrimination, and outlines OCI's expectations for AI governance.
Authority: Wisconsin Office of the Commissioner of Insurance
- RI guidance effective 3/1/2024
2024-3 Use of Artificial Intelligence Systems by Insurers
Rhode Island's Insurance Division issues a bulletin reminding insurers using AI systems to comply with existing state insurance laws, especially regarding unfair practices and discrimination, and sets expectations for AI governance.
Authority: Rhode Island Department of Business Regulation - Insurance Division
- MN agency report effective 7/28/2025
New Minnesota law creates stronger privacy protections for residents
Minnesota's new Consumer Data Privacy Act (MCDPA) takes effect July 31, 2025, granting residents expanded rights over personal data, including the ability to opt-out of profiling and question automated AI decisions.
Authority: Minnesota Attorney General
- AL legislation enacted
[AL Legislature] SB63 (2026): Health care plans; to regulate the use of artificial intelligence in determinations of coverage
Alabama's SB63 has been enacted to regulate the use of artificial intelligence by health care plans in making coverage determinations.
Authority: Alabama Legislature
- CO legislation floor vote 5/1/2026
[CO Legislature] SB26-189Automated Decision-Making Technology
Colorado SB26-189 repeals and reenacts prior AI consumer protection laws, imposing new requirements on developers and deployers of automated decision-making technology (ADMT) in consequential decisions, including transparency, human review rights, and data access, effective January 1, 2027.
Authority: Colorado Legislature
- FR agency report 5/5/2026
[CNIL] IA conversationnelle et santé mentale des jeunes : résultats de l’enquête européenne
A European survey by CNIL and Groupe VYV reveals high conversational AI use among youth for mental health, posing data privacy and well-being risks, highlighting a need for better education and transparency.
Authority: CNIL
- FR agency report 5/5/2026
[CNIL] IA conversationnelle et santé mentale des jeunes : résultats de l’enquête européenne
A European survey by Groupe VYV and CNIL reveals massive use of conversational AI by young people, including for intimate subjects, highlighting risks to well-being and data and calling for reinforced digital education and transparency.
Authority: CNIL
- NJ legislation enacted 3/30/2023
[NJ Legislature] A5351 (2022-2023): Prohibits collection of biometric identifier information by public or private entity under certain circumstances.
Prohibits the collection of biometric identifier information by public or private entities under specific circumstances in New Jersey.
Authority: New Jersey Legislature
+ 115 more — start trial for full access.
Frequently asked questions
- Which AI laws apply to insurance?
- AI in insurance touches NAIC AI model bulletins, state insurance department AI rules (Colorado SB21-169, NY Circular Letter 7, etc.), AI underwriting fairness obligations, AI claims-handling disclosure, and the EU AI Act's high-risk classification of insurance AI. AIGI tracks every primary-source AI rule for life, health, P&C, and reinsurance.
- Who at a insurance company should track these rules?
- Insurance Chief Compliance Officer, GC, or appointed actuary is typically the role accountable for insurance-AI compliance. AIGI is designed to put primary-source updates in front of this role daily.
- How many insurance AI items does AIGI track?
- AIGI currently tracks 127 primary-source items where insurance appears as an affected industry, spanning 8+ jurisdictions. The corpus is updated continuously.
- Which jurisdictions are most active on insurance AI?
- Activity varies by sub-sector. AIGI's coverage map shows per-jurisdiction depth, and each item links to its primary authority source. See /coverage for the live distribution.
- Where do AIGI's insurance citations come from?
- Every item on this page includes a direct link to the relevant government, regulator, or research document.
Related
Regulatory intelligence
Track AI-governance change affecting insurance teams.
AIGI monitors cited regulatory change and delivers decision-ready analysis. It does not monitor customer AI systems or enforce policy.