By Milton Kirby | Decatur, GA | May 2, 2026

DeAndre Mathis, candidate for Georgia Insurance Commissioner is building his campaign around a simple but forceful message: the system is not working for everyday policyholders and it needs to change.

Drawing on more than two decades of experience in the insurance industry, Mathis is calling for sweeping reforms aimed at transparency, fairness, and consumer protection. His platform focuses on eliminating what he describes as systemic inequities in how insurance rates are determined, while restoring accountability to both insurers and the regulatory office itself.

At the core of his campaign is a push to end the use of credit scores in determining insurance premiums. He argues that credit-based pricing unfairly penalizes working families, particularly those in historically underserved communities.

“Your premiums should be based on your safety record, not your bank account or ZIP code,” he said, framing the issue as a form of “modern-day redlining.”

Mathis also plans to prioritize enforcement against what he calls “bad faith” practices within the insurance industry. He says the current system too often targets individual policyholders for minor infractions while failing to hold large insurance companies accountable.

“The office should work for the people, not just the providers,” he said, emphasizing the need to rebalance the role of the Insurance Commissioner toward consumer advocacy.

Another key component of his platform is increasing oversight of mutual insurance companies—firms that are technically owned by their policyholders. He argues that many of these companies are not operating in the best interest of those stakeholders, particularly when it comes to sharing profits.

“If companies are profitable, those gains belong to the policyholders—not just executives,” he said.

Beyond financial reforms, Mathis is also highlighting public safety concerns tied to insurance regulation. His campaign includes proposals to modernize fire safety standards across the state, particularly for multi-family housing and high-rise developments. He points to gaps in statewide fire code enforcement as a risk to both urban and rural communities.

“Safety is more than a policy—it’s prevention,” he said, adding that rural fire departments and emergency infrastructure need stronger support.

The campaign’s broader message is rooted in a belief that the Insurance Commissioner’s office has lost critical authority over time. Mathis has pledged to push for legislative changes that would restore regulatory power, including greater oversight of rate increases.

He also plans to use existing enforcement tools—such as fines and investigations—more aggressively, arguing that consistent oversight can deter unfair practices even before new laws are passed.

As the race develops, DeAndre Mathis positions himself as both an industry insider and a reformer—someone who understands the system from within but is willing to challenge it.

“Our priorities are about fairness,” he said. “That means putting people first.”

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