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Mandatory car insurance?

Dec 16, 2015

BY: Citizens Count

NH is one of the few states that does not require drivers to carry automobile insurance coverage. The state does, however, require you to pay for costs of bodily injury or property damage resulting from a car accident you caused. 

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. They also note that NH law currently requires those who do purchase insurance to be covered for accidents involving at-fault uninsured drivers, which may contribute to higher insurance costs.

On the other hand, opponents of mandatory auto insurance argue that while having adequate insurance coverage is certainly a good idea, it would not be proper for the state to force individuals to buy insurance, pointing out that an insurance requirement may put undue burden on safe drivers who have low or fixed incomes.

Please note that there is no pending legislation at the State House regarding this issue.

UPDATE: Read our Citizen Voices℠ report and find out where New Hampshire stands on this issue.


Darby Laberge

Thu, 12/17/2015 - 6:33am

I had my truck totaled by an uninsured driver not only lost the value of the truck but the money sueing him because he declared bankruptcy and got off scott free .


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Should NH require car insurance for some or all drivers?

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