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UPDATED: Mar 13, 2020
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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.
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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:
- $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
- $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.
Drivers can save $859/yr* by comparing car insurance
*based on a survey of 1,000 car insurance customers
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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.
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.
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