Representative Andy Fugate

D

District 94

Hi, I’m Andy Fugate and I represent the people of Oklahoma’s 94th District.


representative

Leadership

Minority Floor Leader

58th Legislature

Minority Floor Leader

59th Legislature

Minority Floor Leader

60th Legislature

News & Announcements

Jan 29, 2026

Oklahoma House Democratic Caucus unveil policy priorities to support everyday Oklahomans

OKLAHOMA CITY – The Oklahoma House Democratic Caucus unveiled their policy priorities for the Second Regular Session of the 60th Legislature. The following policy agenda prioritizes affordability for Oklahoma families and ensuring their paychecks can keep up with everyday life.  “Oklahoma House Democrats know whether it be groceries, rent, health care, insurance, or child care, the cost of being alive keeps going up,” said House Democratic Leader Cyndi Munson, D-Oklahoma City. “Oklahomans are continuously choosing between which needs to meet each month in order to make it to the next pay period. It is up to state leaders and lawmakers to do what we can to ensure Oklahomans can support themselves and their families. That starts with giving every working Oklahoman a livable wage and focusing on policies that lower costs.” Recently, the Tulsa Area United Way released a report showing nearly 50% of working Oklahoma families are working more than one job and cannot cover basic necessities. While there is an upcoming state question to raise the minimum wage, there are actions legislators can take now. Leader Munson is the primary House author of HB 2230, which requires the state minimum wage to be the greater of $15 per hour or the federal minimum wage. House Democrats believe one way to prioritize affordability is to ensure Oklahomans are charged fairly for utility/energy costs by holding corporations accountable. HB 3392 by Rep. Amanda Clinton, D-Tulsa, directs the Corporation Commission to examine how large industrial projects such as data centers and energy-intensive manufacturing impact our electric grid, and ensure that everyday Oklahomans aren’t stuck paying for electricity they did not ask for and of which they are not the primary beneficiaries. Insurance and premium rates are also on the rise. HB 4286 by Rep. Andy Fugate, D-Del City, prohibits an insurance company from using a person’s credit score to determine the rates they pay for insurance. The measure is designed to protect hardworking Oklahomans who are being priced out of basic financial stability by an insurance system that punishes people for their credit history rather than their actual risk.  Another measure House Democrats have proposed to address skyrocketing insurance rates is HB 3384 by Rep. Trish Ranson, D-Stillwater. The measure would require annual homeowner’s policy renewal premium increases to be capped at a maximum of 10%. Oklahomans’ home insurance rates were reportedly projected to increase by 8% in 2025. This measure would ensure Oklahomans are not blindsided by rising costs. To combat rising health insurance costs in Oklahoma, HB 3675 by Rep. Melissa Provenzano, D-Tulsa, requires a qualified human to be the final qualifier for health insurance claims at risk of denial when processed by AI to ensure proper accountability and oversight when charging Oklahomans. House Democrats know that groceries are too expensive. In 2024, House Democrats led a bipartisan effort to successfully eliminate the state sales tax on groceries. This year, Leader Munson has introduced HB 3959 to eliminate unfair personalized algorithmic and surveillance pricing. This policy works to stop companies from unfairly charging Oklahomans different prices for the same items. House Democrats also unveiled legislation to help fund our public schools in Oklahoma and ensure public dollars go toward public schools. Right now, millions of Oklahomans’ tax dollars are going toward the Parental Choice Tax Credit that reportedly benefits only the wealthiest Oklahomans.  HB 3684 by Rep. Provenzano would eliminate the Parental Choice Tax Credit and redirect those dollars toward our public schools. House Democrats believe investing in public education gives Oklahoma a chance to rise in the national ranks while giving our students the best opportunities for success. This session, Oklahoma House Democrats remain committed to helping working Oklahomans' paychecks keep up with everyday life through real policy solutions that prioritize affordability for Oklahomans.  You can view the entire policy rollout on the  Oklahoma House Democrats Facebook Page.  -END-

Jan 16, 2026

Fugate Introduces Bill to Stop Use of Credit Scores in Setting Insurance Rates

OKLAHOMA CITY – Rep. Andy Fugate, D–Del City, introduced House Bill 4286 to prohibit insurance companies from using a person’s credit history or credit score to determine the rates they pay for insurance. The measure is designed to protect hardworking Oklahomans who are being priced out of basic financial stability by an insurance system that punishes people for their credit history rather than their actual risk. “Insurance is unlike any other product,” Fugate said. “If someone fails to pay for a car, it must be repossessed. If they fail to pay for a home, they must be evicted. That takes time and effort. But if someone fails to pay their insurance bill, the company simply denies the claim. Period. There is no financial risk to the insurer that justifies using credit scores as a backdoor way to raise rates.” While the practice affects all insurance, Fugate emphasized that the most devastating impact is on home insurance — where Oklahoma already has some of the highest premiums in the nation. Those inflated premiums are shutting hardworking families out of homeownership. “Right now, a young couple can find a starter home with a mortgage payment they can afford,” Fugate said. “But when they go to close, they discover their homeowner insurance premium is so inflated because of their credit score that their escrow payment becomes unaffordable. They lose the home, not because they cannot afford the house, but because they cannot afford the insurance.” Fugate noted that this creates a perverse system where families with limited or poor credit are blocked from building wealth, while investors with excellent credit can swoop in, buy the same home, and rent it back to them at a profit. “That’s not a free market. That’s a rigged market,” Fugate said. “Hardworking Oklahomans are being priced out of the American dream while someone with better credit buys the home, charges them rent, pays less for the insurance, and makes a profit. That’s upside?down.” Testimony from an interim study last fall underscored how disconnected current insurance pricing is from real?world risk. Lawmakers heard that an Oklahoman with a spotless driving record but poor credit could pay more for car insurance than a neighbor with multiple accidents but excellent credit. “That example stunned people,” Fugate said. “It shows exactly why this practice is unfair, unproductive, and completely disconnected from actual behavior. Whether driving or maintaining a home, insurance rates should be based on risk, not on whether someone went through a tough financial stretch.” Fugate said the bill is part of his broader commitment to ensuring Oklahoma’s laws work for regular people, not just those with wealth or perfect credit histories. “Oklahomans deserve a fair shot,” he said. “Your insurance rate should reflect your real?world risk, not your credit score. This bill restores common sense and protects hardworking families who are being crushed by outrageous premiums.” The legislation will be considered during the upcoming session. Fugate encouraged Oklahomans to contact their legislators and urge them to support the measure. “Every Oklahoman deserves the chance to pursue the American Dream. Buy a home, raise a family, and build a future,” Fugate said. “This bill will bring back that dream for a new generation of Oklahomans.” -END-

Jan 14, 2026

Fugate Files HB 3018 to Correct Unintended Consequences in Oklahoma’s DUI Statute

OKLAHOMA CITY – Rep. Andy Fugate, D-Del City, introduced  HB 3018 , a targeted fix to an oversight created in last year’s DUI statute amendment,  SB 54 , which established a new “aggravated DUI” classification. While SB 54 aimed to strengthen impaired?driving enforcement, it also removed the long?standing two?hour window for blood testing involving Schedule I substances. This change unintentionally created a legal conundrum for licensed medical marijuana patients, because THC can remain detectable in the bloodstream for up to 30 days. With no legally defined blood?content threshold for marijuana impairment in Oklahoma, the absence of a time limit meant that lawful medical marijuana users could face DUI charges without any evidence of actual impairment. HB 3018 addresses this gap by: Removing marijuana, marijuana derivatives, and cannabinoids from the blood?testing provisions of the aggravated DUI statute Preserving all field sobriety testing tools used by law enforcement to identify real?time impairment Ensuring that Oklahoma’s DUI laws remain fair, enforceable, and focused on safety, rather than penalizing lawful medical marijuana use Fugate emphasized that the bill is a practical correction to ensure the law functions as intended. “This issue was brought to my attention by a constituent, and I’m grateful for their help in identifying the problem,” he said. “HB 3018 ensures that our DUI laws target impaired drivers and not patients who are following Oklahoma’s medical marijuana laws.” -END-