New Hampshire Auto Insurance

Last updated : August 2024
Published By : Direct Auto

Whether you’re commuting to work or taking a scenic drive along the Kancamagus Highway, affordable auto insurance coverage can help protect you, your loved ones and your vehicle on every New Hampshire adventure. So, take a few minutes to learn about cheap car insurance in New Hampshire, including which coverages are mandatory and which ones are optional. Then get a free quote to see how much money you can save with Direct Auto.

New Hampshire Car Insurance Laws

Do you have to have car insurance in New Hampshire?

New Hampshire requires its drivers to provide proof of financial responsibility, which is often satisfied by a car insurance policy that meets the state’s minimum liability coverage limits. These limits are typically expressed as three numbers representing thousands of dollars. For example, the liability limits in New Hampshire are 25/50/25, as shown below under New Hampshire Minimum Car Insurance Requirements.

In addition to liability coverage, drivers who choose to purchase a car insurance policy must also carry uninsured/underinsured motorist bodily injury coverage and medical payments coverage.

New Hampshire Minimum Car Insurance Requirements

Wondering what your insurance policy needs to fulfill New Hampshire’s coverage requirements? Here’s a quick breakdown by coverage type.

Coverages

Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox and more.

Yes. $25,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM) or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Yes. $25,000 UM/UIM bodily injury per person. $50,000 UM/UIM bodily injury per accident.

Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Yes. $1,000 medical payments coverage.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism or contact with an animal.

Not required.1

IMPORTANT NOTE: While purchasing minimum liability coverage and other coverages required for policyholders ensures you satisfy New Hampshire’s laws, it doesn’t protect you or your vehicle in every circumstance. You might need to add additional coverage, like comprehensive and collision, to protect yourself and your vehicle more fully.

1Your lender may require these coverages if you lease or finance your vehicle.

Are there additional coverage options?

For greater peace of mind, New Hampshire drivers may have access to add-on services and other coverages depending on the insurer:

New Hampshire Proof of Financial Responsibility and Penalties

What if I don't meet New Hampshire’s minimum car insurance requirements?

Generally speaking, New Hampshire doesn’t require drivers to purchase a car insurance policy. However, they are still required to pay for any damages they cause in an accident.

It is also worth noting that some drivers might be forced to purchase insurance if they’ve had a previous conviction, like a DUI/DWI. Such individuals who are caught driving without insurance could be facing fines, a license suspension and other serious consequences, according to Bankrate.

Penalties for Driving with a Suspended License in New Hampshire

Driving without a valid license can lead to harsh penalties in New Hampshire. If you’re caught operating a vehicle while suspended, revoked or otherwise unlicensed, the National Conference of State Legislatures reports you could be facing a misdemeanor charge that comes with a steep fine, potential jail time and an increased license suspension.

SR-22 Insurance in New Hampshire

Some states require high-risk drivers to keep an SR-22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. You could be required to file an SR-22 in New Hampshire if:

  • You were caught leaving the scene of an accident.
  • You were convicted of a DUI/DWI.
  • You have two or more Reckless Operation offenses.

High-Risk Auto Insurance in New Hampshire

Many individuals do not have a perfect driving record, and after a certain number of violations or a serious enough violation, drivers can be considered a major risk to insure. Some insurance companies won’t insure high-risk drivers, but non-standard insurance (another name for high-risk auto insurance) is often available elsewhere to provide financial protection for these drivers. 

Where can I find the cheapest car insurance rates in New Hampshire?

Car insurance costs vary depending on a number of factors, including:

  • The amount and type of coverage you choose
  • The year, make and model of the vehicle you drive
  • How much you drive, where you drive and where you live
  • Your demographics
  • Your driving record
  • Your credit history

Other New Hampshire Auto Insurance Resources

Find Cheap Car Insurance in New Hampshire with Direct Auto!

Looking for affordable car insurance in New Hampshire? Get a free car insurance quote for a policy that meets your state’s requirements, fits your needs and includes any discounts you’re entitled to receive so your premium is the lowest price possible.

*Roadside Assistance is not insurance and is administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states.

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