New Hampshire Car Insurance Guide
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. Take a few minutes to learn about cheap car insurance in New Hampshire, including which coverages are mandatory and which are optional. EagleWay Auto Insurance can help you find a plan that fits your needs. Get a free quote to see how much you can save.
Do You Have to Have Car Insurance in New Hampshire?
New Hampshire requires drivers to provide proof of financial responsibility, 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.
Drivers who purchase a car insurance policy must also carry Uninsured/Underinsured Motorist (UM/UIM) bodily injury coverage and Medical Payments coverage.
New Hampshire Minimum Car Insurance Requirements
| Coverage Type | Required by Law | Limits |
|---|---|---|
| Bodily Injury Liability – Pays for medical expenses and legal services if you injure someone in an accident. | Yes | $25,000 per person / $50,000 per accident |
| Property Damage Liability – Pays for damage to other people’s property. | Yes | $25,000 per accident |
| Uninsured/Underinsured Motorist (UM/UIM) – Pays for medical bills if the other driver has insufficient coverage. | Yes | $25,000 per person / $50,000 per accident |
| Medical Payments (Med Pay) – Pays for your medical expenses regardless of fault. | Yes | $1,000 |
| Collision – Pays to repair or replace your vehicle after a collision. | Not required¹ | – |
| Comprehensive – Pays for non-collision damage like fire, flood, vandalism, or animals. | Not required¹ | – |
¹May be required by your lender if you lease or finance your vehicle.
Important: State-mandated coverage ensures compliance, but additional coverages like collision, comprehensive, and UM/UIM are recommended for full protection.
Additional Coverage Options
- Roadside Assistance*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Proof of Financial Responsibility and Penalties
New Hampshire generally does not require all drivers to purchase a car insurance policy, but drivers must pay for damages they cause in an accident. Drivers with previous convictions (such as DUI/DWI) may be required to carry insurance, and failing to do so could result in fines, license suspension, and other serious consequences.
Penalties for Driving with a Suspended License
Operating a vehicle without a valid license in New Hampshire can lead to misdemeanor charges, steep fines, potential jail time, and increased license suspension.
SR-22 Insurance in New Hampshire
High-risk drivers may be required to file an SR-22 certificate if they were caught leaving the scene of an accident, convicted of DUI/DWI, or have multiple reckless operation offenses. EagleWay Auto Insurance can assist with SR-22 filings if necessary.
High-Risk Auto Insurance
Drivers with multiple violations or serious infractions may be considered high-risk. Non-standard insurance provides protection for these drivers. EagleWay Auto Insurance offers quality, affordable coverage for high-risk drivers in New Hampshire.
Finding the Cheapest Car Insurance Rates in New Hampshire
Car insurance costs vary depending on coverage, vehicle, driving habits, location, demographics, driving record, and credit history. EagleWay Auto Insurance helps drivers, including high-risk drivers, find affordable coverage. Get a free quote online or work with an EagleWay agent to create a plan that meets state requirements and fits your needs while maximizing discounts.