New Hampshire car insurance: requirements & free quotes
New Hampshire is the only state that does not require most drivers to carry auto insurance, but drivers who cause an accident must be able to pay for the damage or risk losing their driving privileges. Policies sold in the state must include uninsured motorist and medical payments coverage.
Minimum coverage in New Hampshire
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Auto insurance is not mandatory for most drivers, but you must be able to meet financial responsibility of $25,000 / $50,000 bodily injury and $25,000 property damage after an at-fault accident
If you buy a policy: liability 25/50/25, uninsured motorist coverage equal to your liability limits, and at least $1,000 medical payments
Shown as No mandatory insurance; 25/50/25 financial responsibility. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in New Hampshire
- Buying a policy is the simplest way to meet New Hampshire's financial responsibility rules.
- Uninsured motorist coverage is especially valuable since some drivers in the state choose not to insure.
- Comprehensive coverage helps with moose and deer collisions and winter storms.
- Bundling auto with home insurance can reduce your total cost.
We connect drivers across New Hampshire
Including Manchester, Nashua, Concord, Dover and Rochester — and smaller towns in between. Availability depends on agencies serving your ZIP code.
New Hampshire car insurance FAQ
No. New Hampshire is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.