New Hampshire Auto Insurance Rates & Requirements
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 operates under a traditional tort liability system but uniquely does not require auto insurance for drivers who have never been convicted of certain violations and can demonstrate financial responsibility. Drivers must prove ability to pay 25/50/25 in damages if involved in an accident or convicted of specific offenses including DUI, reckless driving, or driving after license suspension. The New Hampshire Department of Safety enforces financial responsibility through SR-22 filings and license suspension for non-compliance.
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
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Compare Auto Rates for FreeFrequently Asked Questions
Do I legally need car insurance in New Hampshire?
New Hampshire does not require auto insurance for most drivers, making it the only state without a mandatory insurance law. However, you must prove financial responsibility of 25/50/25 if convicted of DUI, reckless driving, or certain other violations, or if involved in an accident. Even without a legal requirement, you remain personally liable for all damages you cause, which can result in wage garnishment and asset seizure.
What happens if I cause an accident in New Hampshire without insurance?
You are personally liable for all damages including medical bills, lost wages, property damage, and legal costs, which can total hundreds of thousands of dollars in serious injury accidents. The state will suspend your license and require SR-22 proof of 25/50/25 coverage for three years before reinstatement. Injured parties can pursue civil judgments against your income and assets indefinitely.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others, with minimum triggered limits of 25/50/25 for drivers required to prove financial responsibility. Higher limits of 100/300/100 or 250/500/100 provide meaningful protection against New Hampshire's above-average injury claim severity.
Full Coverage
Combines liability, collision, and comprehensive protection in a single policy, typically with higher liability limits and lower deductibles than minimum packages. Covers both damage you cause and damage to your own vehicle from accidents, weather, theft, and animal strikes.
Comprehensive Coverage
Pays for non-collision damage to your vehicle including weather events, falling objects, fire, theft, vandalism, and animal strikes. Covers windshield damage from road debris and ice without deductible in many New Hampshire policies.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your damages, covering both bodily injury and property damage. Insurers must offer 25/50 limits but you can purchase higher protection matching your liability limits.
Collision Coverage
Pays to repair or replace your vehicle after accidents with other vehicles or objects, regardless of fault. Works with a chosen deductible of $250–$1,000, with lower deductibles increasing premium costs by 20–30%.
SR-22 Insurance
Not a separate coverage type but a certificate of financial responsibility filed by your insurer to prove you carry minimum 25/50/25 liability. Required after DUI, major violations, license suspension, or at-fault accidents without insurance.