CITIZEN VOICES® Opinion divided on mandatory auto insurance - 280 citizens

Dec 16, 2015

Every state in the nation requires drivers to carry some type of automobile insurance, with New Hampshire standing as the lone remaining exception. Instead, uninsured drivers who cause an accident are required to pay out of pocket for the costs of bodily injury or property damage. There is currently no legislative effort underway to change these policies. Read more about this issue. The LFDA decided to gauge citizen opinion on the issue, posting the question, “Should auto insurance be mandatory in NH?” to Facebook members on December 16. 

Should auto insurance be mandatory in NH?

Mandatory Car  Insurance Citizen Voices Chart

Participation: 280 participants gave 848 responses.

A total of 90% of those participating gave a 'yes or no' response to the question. The remaining 10% of participants engaged in the discussion but did not give a yes or no response. In total, the LFDA received 848 responses from 280 citizens. (Click here for details on our methodology.)

What Participants Said

No: A slight majority, at 54% of ‘yes or no’ respondents, expressed opposition to mandating automobile insurance.

  • "Responsibility is the only thing that should be mandatory. You don't need insurance to do that.”
  • “Not having mandatory auto insurance takes the power away from usurious insurance companies, while bringing back personal responsibility.” 
  • “People who don't have it now won't have it when it's required either, it'll just give insurance companies reasons to raise rates.”

Yes: The minority of ‘yes or no’ respondents, at 46%, argued that vehicle insurance should be mandated in New Hampshire.

  • “Driving is a privilege. If you don't want to pay for at least liability insurance, don't drive.”
  • “People end up with lifetime injuries and property damages while the other party can claim inability to pay. If you want to drive get insurance.”
  • “Registration and inspection are mandatory so why not insurance?”

Other: As noted above, 10% of citizens participating did not give a yes or no response, instead addressing their comments to related questions and issues. These included:

  • Expressing that, mandate or no, insuring your vehicle is the right move for drivers.
  • Compared premium costs, with some citizens complaining of high rates, while others said their premiums were reasonable. 
  • Debated whether uninsured New Hampshire drivers are breaking the law when they drive in other states. 

*Editor selection of actual citizen quotes. 

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