New Hampshire Minimum Car Insurance Requirements, Penalties and Other Auto Insurance Laws

In New Hampshire, car insurance laws state that drivers must meet financial responsibility requirements if they cause an accident. The minimum liability limits for this are 25/50/25. This means you must be able to cover $25,000 in bodily injury per person, up to $50,000 per accident and $25,000 in property damage. Having the minimum coverage protects third parties in the event of an accident, but getting additional coverage and other add-ons can protect drivers themselves and their vehicles as well.

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What Is the Minimum Car Insurance Requirement in New Hampshire?

When it comes to how much car insurance you need in New Hampshire, the minimum requirements stipulate that every driver must have at least 25/50/25 in liability coverage, which means:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability

Note that in New Hampshire, not all drivers are legally required to have auto insurance. Drivers need only to be able to prove they have the means to be financially responsible in case of an accident. This means that no-fault personal injury protection (PIP) coverage and uninsured motorists (UM) coverage are not legally required.

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What Does This Minimum Coverage Mean?

Having 25/50/25 in liability limits means having $50,000 in bodily injury liability per accident with a $25,000 limit per person along with $25,000 in property damage liability.

Bodily injury coverage protects third parties if you are at fault in an accident and pays for their medical bills, pain and suffering and lost wages as a result of not being able to work while recovering from injuries. Property damage coverage pays for damages made to someone else’s property, such as a vehicle or even the items inside it.

How Much Does the Minimum Car Insurance Cost in New Hampshire?

In New Hampshire and any other state, the cost of car insurance depends on a variety of factors. These can include the driver’s age, postal code, driving history, credit score and other factors. The least expensive option in the state is USAA at an average of $204 per year, but note that this is only available for military families. The next cheapest and most widely available option is Amica Mutual, which offers an average annual premium of $304.

Cheapest Minimum Liability Car Insurance in New Hampshire

Cheapest Minimum Car Insurance in New Hampshire
  • Company
    Annually
    Monthly
  • 1.
    $204
    $17
  • 2.
    $304
    $25
  • 3.
    Commerce Group Inc
    $313
    $26
  • 4.
    $330
    $28
  • 5.
    Concord Group
    $337
    $28

These prices are only estimates based on rates for an average New Hampshire driver and should not be used to compare insurance prices.

Car insurance costs by company in New Hampshire are based on the minimum coverage of 25/50/25 for a 40-year-old male residing in New Hampshire driving a 2010 Toyota Camry with a good driving record and credit score.

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What Is the Minimum Car Insurance Requirement in New Hampshire While Leasing a Car?

Note that the minimum requirements for car insurance in New Hampshire required by the leasing company will likely differ from the mandates from the state. Most leasing companies often require that drivers get full coverage car insurance, with a minimum of 100/300/50 in limits. To determine your exact minimum coverage requirements, contact your financial leasing company.

How much insurance you should get will depend on a variety of factors, such as how much your car is worth, the assets in your car you want to protect and more. MoneyGeek recommends getting at least full coverage insurance with 50/100/50 limits in New Hampshire. Take note that 6.1% of the driver population in New Hampshire remains uninsured. If an uninsured driver hits you, you may not be covered unless you have full coverage insurance.

Penalties for Driving Without Car Insurance in New Hampshire

While New Hampshire does not require car insurance, uninsured drivers who get into an accident can still get penalties. This includes, but is not limited to:

  • License and registration suspension
  • License and registration revocation for repeat offenders
  • Driving privilege suspension
  • Restoration fees that can reach up to $100
  • Requirement of SR-22 insurance

Frequently Asked Questions About Car Insurance in New Hampshire

Learn More About Car Insurance

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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