Insurance policy ballot measures

Voters have decided on insurance policy ballot measures across the U.S. As a state ballot measure topic, this includes measures regarding insurance regulations, including rates, premiums, claims, cancellations, and coverage rules. The topic is grouped within the budget and tax policy area.

This page provides information on:

• Related ballot measures
• Upcoming ballot measures
• Comprehensive list of ballot measures by year and state

Topic information

• State ballot measure topics
• Local ballot measure topics
• History of ballot measures by topic

Topic path

State ballot measure

Budget and tax policy

Economic regulations

Insurance policy

Related ballot measures

Related state and local ballot measure topics

State ballot measures

Revenue allocation Restricted-use funds Private health insurance

Local ballot measures

Local business regulations

Explore more state ballot measure topics

Scroll to explore topics. Click a topic to view more information.

Budget and tax policy

Economic regulations Banking policy Business regulations Insurance policy Public economic investment policy Tax policy Business taxes Carbon taxes and fees Fees, licenses, and charges Food and beverage taxes Fuel taxes Income taxes Property taxes Property tax exemptions Sales taxes Severance taxes Tobacco and cigarette taxes Budget policy Balanced budget requirements Budget stabilization funds Debt limits Revenue allocation Revenue and spending limits Restricted-use funds Bond issues Bond issue requirements Tax and revenue administration

Criminal justice and law enforcement policy

Civil law and trials Civil trials Tort law Criminal sentences and trials Bail policy Criminal sentencing Criminal trials Death penalty Juvenile criminal justice Parole policy Drug regulations Alcohol laws Drug crime policy Marijuana laws Psychedelic substance laws Smoking bans Tobacco laws Law enforcement and corrections Corrections governance Law enforcement funding Law enforcement officers and departments Prison and jail funding Prison work regulations Crime victims' rights Dueling bans

Education policy

Higher education Higher education funding Higher education governance Public K–12 education Public education funding Public education governance Public school teachers and staff Religion in public schools School class size policy Early childhood education School choice policy

Election policy

Direct democracy Ballot measure supermajority requirements Ballot measure process Initiative and referendum process Recall process Electoral systems Cumulative voting Presidential electoral vote Primary election systems Proportional representation Ranked-choice voting Runoff elections Term limits Congressional term limits Executive official term limits Judicial term limits Local official term limits State legislative term limits Voting policy Absentee and mail voting Citizenship voting requirements Early voting Literacy, poll tax, and property voting requirements Primary election participation Race and suffrage Residency voting requirements Voter ID policy Voter registration Voting age policy Voting rights for persons with criminal convictions Women's suffrage Age limits for officials Campaign finance Election administration and governance Redistricting policy

Environment and energy policy

Energy policy Carbon emissions regulations Energy conservation and efficiency Energy market regulations Energy transmission projects Fossil fuel energy Hydroelectric energy Nuclear energy Solar and wind energy Hunting and fishing Fisheries and fishing regulations Game and fish commissions Hunting regulations Right to hunt and fish Natural disaster policy Earthquake infrastructure Flood infrastructure and management Storm infrastructure Wildfire management Agriculture policy Animal treatment laws Food policy Forestry and timber Mineral resources Parks, land, and natural area conservation Pollution, waste, and recycling policy

Governance policy

Administrative agencies Administrative organization Administrative powers and rulemaking Local government Local government organization Local government officials and elections Local government finance and taxes State constitutions Constitutional rights Constitutional wording changes State constitution ratification State constitutional conventions State executives Executive branch structure State executive elections State executive powers and duties State legislatures State legislative authority State legislative elections State legislative processes and sessions State legislative structure State legislative vote requirements State judiciary State judicial authority State judicial selection State judiciary oversight State judiciary structure Census policy Civil service Ethics rules and commissions Federal government issues Jury rules Impeachment rules Open meetings and public information Salaries of government officials State capitals State flags, symbols, and holidays Statehood Time standards

Infrastructure policy

Housing policy Homestead tax exemptions Housing assistance programs Housing development funding Rent control and regulations Transportation policy Airport infrastructure Highways and bridges Non-motorized transportation Ports and harbors Public transportation Railways Toll roads Transportation taxes and fees Vehicle and driver regulations Water infrastructure Drinking water systems Sewage and stormwater Water irrigation policy Water storage Eminent domain policy Land use and development policy Public land policy Telecommunications infrastructure Utility policy

Labor, healthcare, and public assistance policy

Labor union policy Collective bargaining Labor disputes and strikes Labor union deductions Right-to-work laws Healthcare policy Complementary and alternative healthcare Healthcare facility funding Healthcare governance Private health insurance Public health insurance Vaccinations and disease policy Work regulations Child labor regulations Gender-based labor regulations Minimum wage laws Paid sick leave laws Workers' compensation laws Working hours regulations Public assistance programs Public employee retirement funds Public works labor and contracting

Military and veteran policy

Defense-related funding Government continuity policy Military service policy Military-related advisory questions Nuclear weapons policy State National Guard and militia Veterans policy

Social issue policy

Abortion policy Affirmative action American Indian issues Assisted death policy Athletics and sports English language policy Family-related policy Firearms policy Gambling policy Immigration policy LGBTQ issues Race and ethnicity issues Religion-related policy Sex and gender issues Sexual content regulations Sunday regulations

Upcoming ballot measures

See also: 2026 ballot measures and 2027 ballot measures

The following is a list of state ballot measures related to this topic that are certified or potential for this year and future elections:

There are no ballot measures related to this topic that have qualified for the ballot.

List of state ballot measures

Click the tabs to view state ballot measures related to this topic, organized by year or state.

Years

States

2024

1. Colorado Amendment 79, Right to Abortion and Health Insurance Coverage Initiative (2024)

2022

1. Massachusetts Question 2, Medical Loss Ratios for Dental Insurance Plans Initiative (2022)

2021

1. Washington Advisory Vote 38, Nonbinding Question on Captive Insurers Tax (2021)

2014

1. California Proposition 45, Required Public Notice for Health Insurance Rate Changes Initiative (2014)
2. South Dakota Insurance Provider, Initiated Measure 17 (2014)

2013

1. Washington Insurance Premium Tax Question, Advisory Vote 5 (2013)

2012

1. California Proposition 33, History of Automobile Insurance Discount Initiative (2012)

2010

1. California Proposition 17, Car Insurance Rates Based on Coverage History Initiative (June 2010)
2. Missouri Proposition C, State Government Authority over Healthcare Measure (August 2010)

2006

1. Oregon Measure 42, Credit Score to Determine Insurance Premiums Initiative (2006)

2004

1. Nevada Question 4, Insurance Rate Reduction and Reform Initiative (2004)
2. Oregon Measure 38, Government to Assume SAIF Responsibilities Initiative (2004)

2002

1. California Proposition 44, Chiropractic License Revocation for Insurance Fraud Measure (March 2002)
2. Montana Local Government Insurance Asset Investment, C-36 (2002)

2000

1. California Proposition 30, Third-Party Unfair Claim Lawsuits Referendum (March 2000)
2. California Proposition 31, Limits on Third-Party Claimant Lawsuits Referendum (March 2000)
3. Georgia Amendment 3, Compensation for Injured First Responders Amendment (2000)
4. Georgia Amendment 5, Indemnification for State Highway Employees Amendment (2000)

1999

1. Texas Proposition 11, Property and Casualty Insurance Amendment (1999)

1996

1. California Proposition 200, No-Fault Vehicle Insurance Initiative (March 1996)
2. Montana Compensation Insurance Fund Investment, C-31 (1996)

1994

1. Michigan Proposal C, Auto Insurance Coverage Referendum (1994)

1992

1. Michigan Ballot Proposal D, Auto Insurance Rates and Lawsuits Initiative (1992)

1991

1. Louisiana Workers' Compensation Fund Amendment (October 1991)

1990

1. Arizona Proposition 105, Automobile Accident Exemption from Right to Recovering Damages Initiative (1990)
2. Georgia Amendment 4, Indemnification for Emergency Management Measure (1990)
3. Missouri Amendment 4, Department of Insurance Measure (August 1990)
4. North Dakota Insurance Agent Commission Rebates, Measure 7 (1990)

1988

1. California Proposition 100, Motor Vehicle Insurance Discounts Initiative (1988)
2. California Proposition 101, Automobile Accident Claims and Insurance Rates Initiative (1988)
3. California Proposition 103, Insurance Rate Reductions and Regulation Initiative (1988)
4. California Proposition 104, No-Fault Automobile Insurance Initiative (1988)

1986

1. Georgia Amendment 2, Health Insurance for Public School Employees Measure (1986)
2. Georgia Amendment 8, Indemnification for Emergency Medical Technicians Measure (1986)
3. Georgia Amendment 9, Indemnification for First Responders Measure (1986)
4. Rhode Island Industrial Building Authority Expansion - Mortgage Insurance Question (1986)
5. Texas Proposition 3, Mutual Insurance Companies Amendment (1986)
6. Wyoming Worker's Compensation Coverage, Amendment 6 (1986)

1984

1. Texas Proposition 6, Mutual Insurance Premiums Amendment (1984)

1982

1. Georgia Amendment 3, Sovereign Immunity Measure (1982)

1981

1. Ohio Private Worker's Compensation Insurance Initiative (1981)

1980

1. California Proposition 3, Tax Deduction Based on Contribution to the Insurance Guarantee Association (1980)
2. Georgia Amendment 13, Life Insurance Company Taxation Measure (1980)
3. Georgia Amendment 6, Indemnification for First Responders Measure (1980)

1978

1. California Proposition 7, Local Government Insurance Pools Amendment (June 1978)
2. Georgia Amendment 22, Health Insurance for Retired Teachers Measure (1978)
3. Georgia Amendment 23, Indemnification for First Responders Measure (1978)
4. Maine Question 3, Limits on State Guaranteed Loans Amendment (1978)
5. North Dakota Peoples Control of Healthcare Costs Initiative, Measure 4 (1978)

1977

1. North Carolina Life Insurance Benefits for Spouse and Children Free from Creditors Amendment (1977)

1976

1. California Proposition 5, Changes to Corporation Taxes Amendment (June 1976)
2. California Proposition 6, Repeal of Insurance Company Tax Exemption Amendment (June 1976)
3. Georgia Amendment 10, Compensation for First Responders (1976)

1973

1. Rhode Island Industrial Building Authority, Proposal 8 (1973)
2. Rhode Island Recreational Building Authority, Proposal 9 (1973)

1972

1. Colorado Referred Law No. 11, No-Fault Insurance System Initiative (1972)

1968

1. Arizona Proposition 106, Department of Insurance Amendment (1968)
2. California Proposition 6, Taxation on Premiums for Retirement Benefit Contracts Amendment (1968)

1966

1. California Proposition 8, Insurance Tax Amendment (1966)
2. Georgia Amendment 12, Indemnification for Law Enforcement Assistance Amendment (1966)

1964

1. California Proposition 6, Retaliatory Taxes on Insurance Companies Amendment (1964)

1960

1. Georgia Amendment 16, County Liability Insurance Amendment (1960)

1958

1. Washington Referendum 30, Inheritance Tax on Insurance Measure (1958)

1952

1. California Proposition 15, Taxation and Fees for Insurance Companies and Banks Amendment (1952)
2. Georgia Amendment 8, Social Security Coverage for State and Local Employees Measure (1952)

1950

1. Massachusetts Question 5, Uniform Statewide Motor Vehicle Insurance Rate Setting Initiative (1950)

1942

1. California Proposition 7, Taxation of Insurance Companies Amendment (1942)
2. Washington Referendum 22, Industrial Insurance Expansion Measure (1942)

1940

1. California Proposition 17, Personal Liability Insurance for Employees Amendment (1940)

1938

1. California Proposition 6, Insurance Company Taxation Amendment (1938)

1936

1. Montana State Insurance for Public Buildings, IR-37 (1936)

1932

1. North Carolina Insurance Protection Amendment (1932)

1930

1. California Proposition 17, Ocean Marine Insurance Tax Amendment (1930)
2. California Proposition 2, Fire Insurance Tax Amendment (1930)

1926

1. Montana Levy for Hail Insurance, Amendment 1(1926)

1924

1. California Proposition 10, Fire Insurance Company Taxation Amendment (1924)

1922

1. California Proposition 6, Population for Insurance Purposes Amendment (1922)

1920

1. California Proposition 14, Insurance Regulation Referendum (1920)
2. Oklahoma State Question 111, Insurance Organizations Amendment (1920)

1918

1. California Proposition 20, Health Insurance Amendment (1918)
2. North Dakota Hail Insurance Initiative (1918)
3. North Dakota Hail Insurance Referendum (1918)
4. South Dakota Amendment K, State Hail Insurance Measure (1918)

1916

1. Michigan Regulations on Fraternal Benefit Societies Initiative (1916)

1914

1. Michigan Regulation of Fraternal Beneficiary Societies Initiative (1914)
2. Wisconsin Question 3, State Annuity Insurance Amendment (1914)
3. Wisconsin Question 9, State Insurance Amendment (1914)

1913

1. Michigan Relief, Insurance, and Pensions for Fire Department Members Amendment (April 1913)

1912

1. Minnesota State Hail Insurance, Amendment 2 (1912)
2. Ohio Insurance Regulations Amendment (September 1912)

1910

1. Minnesota State Hail Insurance, Amendment 3 (1910)

1908

1. Minnesota State Hail Insurance, Amendment 3 (1908)

Arizona

1. Arizona Proposition 105, Automobile Accident Exemption from Right to Recovering Damages Initiative (1990)
2. Arizona Proposition 106, Department of Insurance Amendment (1968)

California

1. California Proposition 10, Fire Insurance Company Taxation Amendment (1924)
2. California Proposition 100, Motor Vehicle Insurance Discounts Initiative (1988)
3. California Proposition 101, Automobile Accident Claims and Insurance Rates Initiative (1988)
4. California Proposition 103, Insurance Rate Reductions and Regulation Initiative (1988)
5. California Proposition 104, No-Fault Automobile Insurance Initiative (1988)
6. California Proposition 14, Insurance Regulation Referendum (1920)
7. California Proposition 15, Taxation and Fees for Insurance Companies and Banks Amendment (1952)
8. California Proposition 17, Car Insurance Rates Based on Coverage History Initiative (June 2010)
9. California Proposition 17, Ocean Marine Insurance Tax Amendment (1930)
10. California Proposition 17, Personal Liability Insurance for Employees Amendment (1940)
11. California Proposition 2, Fire Insurance Tax Amendment (1930)
12. California Proposition 20, Health Insurance Amendment (1918)
13. California Proposition 200, No-Fault Vehicle Insurance Initiative (March 1996)
14. California Proposition 3, Tax Deduction Based on Contribution to the Insurance Guarantee Association (1980)
15. California Proposition 30, Third-Party Unfair Claim Lawsuits Referendum (March 2000)
16. California Proposition 31, Limits on Third-Party Claimant Lawsuits Referendum (March 2000)
17. California Proposition 33, History of Automobile Insurance Discount Initiative (2012)
18. California Proposition 44, Chiropractic License Revocation for Insurance Fraud Measure (March 2002)
19. California Proposition 45, Required Public Notice for Health Insurance Rate Changes Initiative (2014)
20. California Proposition 5, Changes to Corporation Taxes Amendment (June 1976)
21. California Proposition 6, Insurance Company Taxation Amendment (1938)
22. California Proposition 6, Population for Insurance Purposes Amendment (1922)
23. California Proposition 6, Repeal of Insurance Company Tax Exemption Amendment (June 1976)
24. California Proposition 6, Retaliatory Taxes on Insurance Companies Amendment (1964)
25. California Proposition 6, Taxation on Premiums for Retirement Benefit Contracts Amendment (1968)
26. California Proposition 7, Local Government Insurance Pools Amendment (June 1978)
27. California Proposition 7, Taxation of Insurance Companies Amendment (1942)
28. California Proposition 8, Insurance Tax Amendment (1966)

Colorado

1. Colorado Amendment 79, Right to Abortion and Health Insurance Coverage Initiative (2024)
2. Colorado Referred Law No. 11, No-Fault Insurance System Initiative (1972)

Georgia

1. Georgia Amendment 10, Compensation for First Responders (1976)
2. Georgia Amendment 12, Indemnification for Law Enforcement Assistance Amendment (1966)
3. Georgia Amendment 13, Life Insurance Company Taxation Measure (1980)
4. Georgia Amendment 16, County Liability Insurance Amendment (1960)
5. Georgia Amendment 2, Health Insurance for Public School Employees Measure (1986)
6. Georgia Amendment 22, Health Insurance for Retired Teachers Measure (1978)
7. Georgia Amendment 23, Indemnification for First Responders Measure (1978)
8. Georgia Amendment 3, Compensation for Injured First Responders Amendment (2000)
9. Georgia Amendment 3, Sovereign Immunity Measure (1982)
10. Georgia Amendment 4, Indemnification for Emergency Management Measure (1990)
11. Georgia Amendment 5, Indemnification for State Highway Employees Amendment (2000)
12. Georgia Amendment 6, Indemnification for First Responders Measure (1980)
13. Georgia Amendment 8, Indemnification for Emergency Medical Technicians Measure (1986)
14. Georgia Amendment 8, Social Security Coverage for State and Local Employees Measure (1952)
15. Georgia Amendment 9, Indemnification for First Responders Measure (1986)

Louisiana

1. Louisiana Workers' Compensation Fund Amendment (October 1991)

Maine

1. Maine Question 3, Limits on State Guaranteed Loans Amendment (1978)

Massachusetts

1. Massachusetts Question 2, Medical Loss Ratios for Dental Insurance Plans Initiative (2022)
2. Massachusetts Question 5, Uniform Statewide Motor Vehicle Insurance Rate Setting Initiative (1950)

Michigan

1. Michigan Ballot Proposal D, Auto Insurance Rates and Lawsuits Initiative (1992)
2. Michigan Proposal C, Auto Insurance Coverage Referendum (1994)
3. Michigan Regulation of Fraternal Beneficiary Societies Initiative (1914)
4. Michigan Regulations on Fraternal Benefit Societies Initiative (1916)
5. Michigan Relief, Insurance, and Pensions for Fire Department Members Amendment (April 1913)

Minnesota

1. Minnesota State Hail Insurance, Amendment 2 (1912)
2. Minnesota State Hail Insurance, Amendment 3 (1908)
3. Minnesota State Hail Insurance, Amendment 3 (1910)

Missouri

1. Missouri Amendment 4, Department of Insurance Measure (August 1990)
2. Missouri Proposition C, State Government Authority over Healthcare Measure (August 2010)

Montana

1. Montana Compensation Insurance Fund Investment, C-31 (1996)
2. Montana Levy for Hail Insurance, Amendment 1(1926)
3. Montana Local Government Insurance Asset Investment, C-36 (2002)
4. Montana State Insurance for Public Buildings, IR-37 (1936)

Nevada

1. Nevada Question 4, Insurance Rate Reduction and Reform Initiative (2004)

North Carolina

1. North Carolina Insurance Protection Amendment (1932)
2. North Carolina Life Insurance Benefits for Spouse and Children Free from Creditors Amendment (1977)

North Dakota

1. North Dakota Hail Insurance Initiative (1918)
2. North Dakota Hail Insurance Referendum (1918)
3. North Dakota Insurance Agent Commission Rebates, Measure 7 (1990)
4. North Dakota Peoples Control of Healthcare Costs Initiative, Measure 4 (1978)

Ohio

1. Ohio Insurance Regulations Amendment (September 1912)
2. Ohio Private Worker's Compensation Insurance Initiative (1981)

Oklahoma

1. Oklahoma State Question 111, Insurance Organizations Amendment (1920)

Oregon

1. Oregon Measure 38, Government to Assume SAIF Responsibilities Initiative (2004)
2. Oregon Measure 42, Credit Score to Determine Insurance Premiums Initiative (2006)

Rhode Island

1. Rhode Island Industrial Building Authority, Proposal 8 (1973)
2. Rhode Island Industrial Building Authority Expansion - Mortgage Insurance Question (1986)
3. Rhode Island Recreational Building Authority, Proposal 9 (1973)

South Dakota

1. South Dakota Amendment K, State Hail Insurance Measure (1918)
2. South Dakota Insurance Provider, Initiated Measure 17 (2014)

Texas

1. Texas Proposition 11, Property and Casualty Insurance Amendment (1999)
2. Texas Proposition 3, Mutual Insurance Companies Amendment (1986)
3. Texas Proposition 6, Mutual Insurance Premiums Amendment (1984)

Washington

1. Washington Advisory Vote 38, Nonbinding Question on Captive Insurers Tax (2021)
2. Washington Insurance Premium Tax Question, Advisory Vote 5 (2013)
3. Washington Referendum 22, Industrial Insurance Expansion Measure (1942)
4. Washington Referendum 30, Inheritance Tax on Insurance Measure (1958)

Wisconsin

1. Wisconsin Question 3, State Annuity Insurance Amendment (1914)
2. Wisconsin Question 9, State Insurance Amendment (1914)

Wyoming

1. Wyoming Worker's Compensation Coverage, Amendment 6 (1986)

See also

State & Local Ballot Measures

Ballotpedia

Measures

• • State ballot measures
• • Local ballot measures
• • Analyses

Topics

• • State ballot measure topics
• • Local ballot measure topics

Laws

• • Laws governing ballot measures
• • Changes to laws governing ballot measures
• • Types of ballot measures
• • Ballot measure policy topics

History

• • Historical Ballot Measures (HBM) Factbooks
• • History of ballot measures by topic

Campaigns

• • Campaign finance
• • Endorsements
• • Polls

Footnotes

State ballot measures

State

Alabama • Alaska • Arizona • Arkansas • California • Colorado • Connecticut • Florida • Georgia • Hawaii • Idaho • Illinois • Indiana • Iowa • Kansas • Kentucky • Louisiana • Maine • Maryland • Massachusetts • Michigan • Minnesota • Mississippi • Missouri • Montana • Nebraska • Nevada • New Hampshire • New Jersey • New Mexico • New York • North Carolina • North Dakota • Ohio • Oklahoma • Oregon • Pennsylvania • Rhode Island • South Carolina • South Dakota • Tennessee • Texas • Utah • Vermont • Virginia • Washington • West Virginia • Wisconsin • Wyoming

By year

2026 • 2025 • 2024 • 2023 • 2022 • 2021 • 2020 • 2019 • 2018 • 2017 • 2016 • 2015 • 2014 • 2013 • 2012 • 2011 • 2010 • 2009 • 2008 • 2007 • 2006 • 2005 • 2004 • 2003 • 2002 • 2001 • 2000 • 1999 • 1998 • 1997 • 1996 • 1995 • 1994 • 1993 • 1992 • 1991 • 1990 • 1989 • 1988 • 1987 • 1986 • 1985 • 1984 • 1983 • 1982 • 1981 • 1980 • 1979 • 1978 • 1977 • 1976 • 1975 • 1974 • 1973 • 1972 • 1971 • 1970 • 1969 • 1968 • 1967 • 1966 • 1965 • 1964 • 1963 • 1962 • 1961 • 1960 • 1959 • 1958 • 1957 • 1956 • 1955 • 1954 • 1953 • 1952 • 1951 • 1950 • 1949 • 1948 • 1947 • 1946 • 1945 • 1944 • 1943 • 1942 • 1941 • 1940 • 1939 • 1938 • 1937 • 1936 • 1935 • 1934 • 1933 • 1932 • 1931 • 1930 • 1929 • 1928 • 1927 • 1926 • 1925 • 1924 • 1923 • 1922 • 1921 • 1920 • 1919 • 1918 • 1917 • 1916 • 1915 • 1914 • 1913 • 1912 • 1911 • 1910 • 1909 • 1908 • 1907 • 1906 • 1905 • 1904 • 1903 • 1902 • 1901 • 1900