Section 1 prohibits an insurer from refusing to renew an auto insurance policy on the basis of a claim submitted.

Section 2, subdivision 1 requires an insurer to provide a premium discount of at least 20 percent to insureds who qualify.

Section 2, subdivision 2 sets forth the qualifications for an insured to receive the discount, including three years without a chargeable accident where total payment exceeds $500, three years without a moving violation, or ten years without a more serious specified crime related to driving.

Section 3 requires auto insurance rates to be determined by application of specified factors in decreasing order of importance.

Section 4 prohibits use of occupation, marital status, or level of education as an underwriting standard or in offering rates or premiums.

Section 5 requires the commissioner to study auto insurance affordability and make specific recommendations to the legislature. Study topics are identified.

Section 6 requires an insurance rate rollback of 20 percent for policies issued and renewed after Jan 1, 2016. During 2016 rates may only be increased if the commissioner finds, after hearing, that the insurer faces insolvency. Auto insurance rates must be approved by the commissioner prior to their use.