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HB 1486 · 2026 · House · Commerce and Consumer Affairs Committee

No rate hikes for household members' driving

AI-generated

prohibiting insurance companies from considering the driving record of household members not covered by the motor vehicle insurance policy when establishing policy premiums.

Prohibits insurers from penalizing an insured driver due to a household member's DWI conviction or license status unless that person is a listed driver on the policy.AI-generated

Status

Killed in the House — Inexpedient to Legislate · March 11, 2026
  1. ✓Introduced
  2. ✕House
  3. Senate
  4. Governor
  5. Law

Analysis

This bill prohibits insurers from penalizing an insured driver due to a spouse’s DWI conviction or license status unless that person is a listed driver.

From the bill's official ANALYSIS section.

In the bill's words

Quoted verbatim from the bill as introduced. Passages chosen from the operative text.Computed by this site

“No insurer issuing a motor vehicle liability policy in this state shall require, or impose increased premiums or other coverage conditions on, any insured solely because a spouse, household member, or relative by marriage has had their license suspended or revoked, or has been convicted of driving while intoxicated under RSA 265-A.”
RSA 412:8-a
“No insurer shall require an insured to obtain a higher level of coverage, file proof of financial responsibility, or purchase any rider, endorsement, or policy solely because of the license status or driving record of a spouse, household member, or relative by marriage unless that person is a named insured or listed driver on the same policy.”
RSA 412:8-a
“Nothing in this section shall be construed to prevent an insurer from taking the driving record or license status of a named insured or listed driver into account in rating, underwriting, or policy issuance decisions, provided such underwriting is not based solely on relationship to a person with a DWI conviction or license suspension who is not a named insured or listed driver.”
RSA 412:8-a

Official record

Bill page — docket & status

gc.nh.gov · the authoritative source

Sponsors

Rep. Ellen ReadDPrimeDeputy Ranking Member· Housing

Rep. Jonah WheelerD

Public testimony

8 signed in online · 1 wrote testimony

100% support0% oppose0% neutral

In their wordsVerbatim, exactly as submitted

“Only the drivers in the house should be part of the insurance company decision on policy’s”
— Lisa Ayer, Manchestersupports

Verbatim excerpts of submitted testimony, quoted from the testimony tool.

Read the testimony · as of Aug 12, 2026

Votes

yeanay
Starting text: Bill as introduced
  • Mar 3, 2026HouseCommittee report· consent calendar: Inexpedient to Legislate14–0
    Overall
    100% yea
  • Mar 11, 2026HouseVoice voteInexpedient to Legislateadopted

Hearings and debates

  • Jan 28, 2026Public hearingHouse Commerce and Consumer Affairs6:06:06–6:14:468m 40slocated in the stream transcriptPublic Hearing
  • Feb 18, 2026Public hearingHouse Commerce and Consumer AffairsWatchnot located in the transcript — opens the full streamFull Committee Work Session
  • Mar 3, 2026Public hearingHouse Commerce and Consumer Affairs4:31:24–4:36:305m 6slocated in the stream transcriptCommittee Report: Inexpedient to Legislate; Executive Session
  • Mar 11, 2026Floor debateHouse floorWatchnot located in the transcript — opens the full streamInexpedient to Legislate — adopted, voice vote

Timestamps locate where this bill is taken up in the chamber's YouTube stream.

Legislative history

  1. Jan 7, 2026HouseIntroduced 01/07/2026 and referred to Commerce and Consumer Affairs HJ 1 P. 22
  2. Jan 28, 2026HousePublic Hearing: 01/28/2026 02:15 pm GP 229
  3. Feb 18, 2026HouseFull Committee Work Session: 02/18/2026 02:00 pm GP 229
  4. Mar 3, 2026HouseExecutive Session: 03/03/2026 01:00 pm GP 229
  5. Mar 3, 2026House: Inexpedient to Legislate 03/03/2026 (Vote 14-0; CC) HC 10 P. 8
  6. Mar 11, 2026HouseInexpedient to Legislate: MA VV 03/11/2026 HJ 7 P. 12

Coverage

No reporting linked yet.

Documents (PDF)

Bill text & amendments link direct to gc.nh.gov; committee reports stream from the state record.