Mandatory Car Insurance

Citizens Count Editor

New Hampshire currently does not require motorists to have car insurance.

The state does, however, require you to pay for costs of bodily injury or property damage resulting from a car accident you caused. 

In the past, the House Transportation Committee has voted against any bill that would require motorists to carry such coverage. 

Those in favor of compulsory vehicle insurance argue that mandating insurance is the only way to guarantee that at-fault drivers will be able to pay for damages in a car crash.

Opponents of compulsory automobile insurance argue that forcing residents to buy any product, including car insurance, is a violation of individual liberty.  Insurance companies have also argued that mandatory automobile insurance laws invite excessive regulation of the insurance market, distorting insurance costs.


Interim Study

Requires proof of car insurance to register a vehicle.

Signed by Governor

Makes some small changes to the applicability of certain motor vehicle insurance requirements, as requested by the Insurance Department.

Killed in the House

Raises the financial responsibility limits for motor vehicle liability insurance.

Signed by Governor

Changes the minimum requirements for uninsured or hit-and-run motor vehicle coverage.

Signed by Governor

Requires full recovery of damages under uninsured motorist coverage.

Killed in the Senate

Requires drivers from foreign countries to purchase car insurance.

Should NH require car insurance for some or all drivers?


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Issue Status

The NH House looked at making car insurance mandatory, but ultimately the bill was sent to interim study—a polite way of killing it. Have an opinion? Contact your representative.


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