NH HB1353

Requires all motor vehicle insurers in New Hampshire to include premium discount provisions in their rating manuals for vehicles that pass annual safety inspections covering headlights, taillights, tires, steering, and brakes

Insurers must verify that inspections meet state guidelines before applying discounts, and may consider additional shop recommendations beyond minimum inspection requirements

Prohibits insurers from penalizing or surcharging policyholders who choose not to undergo voluntary inspections or whose vehicles fail inspection

Discount amounts are not mandated but must be actuarially justified based on demonstrable claims reductions and filed with the insurance department

Takes effect January 1, 2027