Insurance AI Regulation by State

Strictness Ranking · NAIC Alignment · As of March 2026

FiveM's Regulatory Watch team monitors state-level AI governance developments across the insurance industry and publishes updates to keep clients and industry leaders informed of regulatory changes that affect their operations.

NAIC AI MODEL BULLETIN
Adopted: Over Half of U.S. States
December 2023 Baseline
Very High
High
Moderate-High
Moderate (State Guidance)
Moderate (NAIC Bulletin Adopted)
Pending
No specific rule