For purposes of K.S.A. 40-970 through 40-975 :
(a) "Commissioner" means the commissioner of insurance.
(b) "Personal insurance" shall have the meaning ascribed to it in K.S.A. 40-5103 (l), and amendments thereto.
(c) "Unfairly discriminatory" shall have the meaning ascribed to it in K.S.A. 40-953 , and amendments thereto. The term "unfairly discriminatory" includes a rate for a risk that is classified in whole or in part on the basis of race, color, creed or national origin.