New Hampshire Auto Insurance Guide & Rates
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
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New Hampshire at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
New Hampshire is the only state that does not require auto insurance for all drivers. The state operates under a traditional tort system, meaning at-fault drivers are financially liable for damages. According to the New Hampshire Department of Safety, proof of financial responsibility is mandatory after certain violations or accidents.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
about $82/mo
Average car insurance spending in New Hampshire
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Credit-based insurance scores impact rates significantly in New Hampshire, with poor credit potentially doubling premiums compared to excellent credit for identical coverage.
- The state's fault-based tort system means liability claims can be substantial, driving insurers to price policies higher for drivers with at-fault accidents in the prior 3–5 years.
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
What coverage do I need for winter driving in New Hampshire?
Comprehensive coverage is critical for winter damage—ice, tree falls from snow weight, and wildlife collisions increase dramatically from November through March, particularly in areas receiving 60+ inches of annual snowfall. Collision coverage protects against weather-related accidents on icy roads. Liability-only policies provide no protection for these damages to your own vehicle.
Coverage Types
Liability Insurance
The foundation of any policy, covering bodily injury and property damage you cause to others. State minimums (25/50/25) are often insufficient—consider 100/300/100 or higher to protect personal assets in lawsuits.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage into a complete package. Required by lenders for financed vehicles and recommended for anyone with a car worth more than a few thousand dollars.
Uninsured/Underinsured Motorist Coverage
Pays for your injuries and vehicle damage when hit by a driver with no insurance or insufficient coverage. New Hampshire law requires insurers to offer this coverage matching your liability limits.
Comprehensive Coverage
Covers non-collision damage to your vehicle: theft, vandalism, fire, weather events, falling objects, and animal strikes. Typically paired with collision coverage for complete physical damage protection.
Collision Coverage
Pays to repair or replace your vehicle after a collision with another car or object, regardless of fault. Subject to your chosen deductible, typically $500 or $1,000.
SR-22 Insurance
A certificate of financial responsibility filed with the state after serious violations like DUI or driving without insurance. Not a separate policy—it's added to your existing coverage.