Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jul 30, 2020

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In a nutshell...

  • Most drivers will find New Hampshire a very competitive marketplace for auto insurance
  • Driving with no car insurance in New Hampshire may not be an offense, but it’s also an open invitation for financial disaster
  • Big brand names like State Farm, Progressive, and Allstate all offer affordable car insurance

New Hampshire is only the state in America with no mandatory auto insurance requirements.

Drivers are still liable for any damage caused in a car accident where they are determined to be at fault.

While New Hampshire car insurance laws do require you purchase a minimum amount of coverage, if you opt to buy car insurance you will not be subject to fines for driving with no insurance.

Minimum auto insurance coverage and rates vary from state to state. Compare state to state below:

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Enter your zip code above to get FREE car insurance quotes today!

What is the no car insurance requirement in New Hampshire?

Basically, what the law states in New Hampshire is that drivers are not obligated to carry car insurance, however, if you do opt to buy auto insurance you must carry minimum levels of coverage.

For drivers who purchase car insurance you must buy at least the following levels of auto insurance:

—Liability insurance

  • $25,000 of liability coverage per accident per person
  • $50,000 of liability insurance per accident

—Uninsured Motorist Coverage

  • $25,000 of UIM coverage per accident per person
  • $50,000 of UIM insurance per accident

—Other Insurance

  • $25,000 Property damage insurance
  • $1,000 in Medical Payments coverage

If you are at-fault in a car accident and cannot pay for damages the state may suspend your driver’s license, and you will be exposed to significant personal liability.

Any driver should consider at least the minimum levels of liability insurance regardless if you think you need car insurance or not.

Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:

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New Hampshire Car Insurance Companies

Practically all auto insurance companies are licensed in New Hampshire with well over 100 car insurers providing coverage to New Hampshire residents.

Big brand names like State Farm, Progressive, and Allstate all offer affordable car insurance, but New Hampshire is also home to many regional auto insurance companies who also provide both reliable coverage with competitive rates.

Who has the cheapest car insurance in New Hampshire?

This will depend on your driving profile including the type of vehicle insured, your credit score and driving record.

However, most drivers will find New Hampshire a very competitive marketplace for auto insurance so finding a car insurance company will be easy.

How does ZIP code affect auto insurance? Factors like traffic, crime, and claim frequency in your area all matter. Find out how your ZIP code compares against other zips in NH.

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Which gender and age pays more for car insurance? Drivers under 25 years old are often in the highest risk class. See if the gender stereotype (males vs female auto insurance rates) holds true in New Hampshire.

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Six major factors affect auto insurance rates in NH. Which car insurance factors will affect your rates the most? Find out below:

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Now let’s see who is the cheapest car insurance company in New Hampshire.

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Who are the largest car insurance companies in New Hampshire?

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Try to compare any potential auto insurance providers equally which means comparing the details of coverage, premium cost and company reputation before ultimately selecting an insurer.

Enter your zip code below to get FREE car insurance quotes today!