HB1486 Prohibiting insurance companies from considering the driving record of household members not covered by the motor vehicle insurance policy when establishing policy premiums.
Prohibiting insurance companies from considering the driving record of household members not covered by the motor vehicle insurance policy when establishing policy premiums.
Impact Score — How Does This Bill Affect You?
Overall Impact Score
Mixed
Scale: 1 (harmful) to 10 (beneficial)
Your Wallet
Would have prevented unfair premium increases based on a housemate's or family member's driving record.
Your Community
Protects consumers from being punished for others' behavior in their household.
Your Freedom
Prevents insurers from penalizing you based on someone else's actions, protecting individual fairness.
Status
Inexpedient to Legislate: Motion Adopted Voice Vote 03/11/2026 House Journal 7
Sponsor
Ellen Read (D)
The Short Version
Would have banned insurers from raising your auto insurance premiums based on the driving records of other household members not on your policy. Killed via ITL voice vote, leaving insurers free to penalize you for others' bad driving.
Who's Behind This Bill?
Who Benefits
- ▲ Policyholders with household members who have poor driving records
- ▲ Consumers seeking fair insurance pricing
Who Pays the Price
- ▼ Insurance companies using household data to set premiums
Bill statuses as of May 2026. Check LegiScan or NH General Court for the latest.
This bill was auto-scored using AI analysis of the bill text and legislative data. Scores may be refined as we review more bills.