New Hampshire Auto Insurance

"Being insured is not the law in New Hampshire"

Consumers have questions and so did we...

• What are the types of insurance coverage and what are the amounts required for the state of New Hampshire.

• What does the law say pertaining to minimum insurance coverage in New Hampshire?

New Hampshire has strict mandatory policies about vehicle registration and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways. In New Hampshire, you can obtain your learner’s permit at fifteen and a half, and your restricted license at sixteen, with a full license at sixteen and a half.

To adhere to New Hampshire's auto insurance rules, you must...

In New Hampshire, you must maintain the New Hampshire Financial Responsibility requirements to operate a vehicle otherwise you must maintain a current insurance policy with a registered insurance company or broker carrying the minimum insurance requirements or greater. There are many different types of insurance, at competitive rates, so shop around for the best price. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice.

1. New Hampshire requires each driver to carry third party liability insurance, also called PLPD, accidental benefits coverage, and uninsured and unidentified driver’s coverage, which insures you, in case you injure someone, cause a death, or damage someone’s property in a motor vehicle accident.

In New Hampshire, you must have third party liability insurance for bodily injury with each person allowed $25,000.00, up to maximum of $50,000.00, as well as an additional $25,000.00 for property damages. If there are more than two people injured, whoever files first gets the settlement.

2. In New Hampshire, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. You driver’s license can also be suspended if you owe back child support.

Important facts about auto coverage in New Hampshire:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol or refusing to take a blood-alcohol test, and leaving the scene of an accident or failing to file an accident report. Seat belts are not mandatory in New Hampshire, but motorcycle helmets are.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in New Hampshire

Auto Insurance FAQ

Question: Is it true that you are not required to have Auto Insurance in the state of New Hampshire?
I heard that you're not.

Answer: Yes and No. New Hampshire, while does not require auto insurance requires the owner of a car is required to show that he has sufficient funds to pay any necessary claims. If said owner cannot produce proof of satisfactory assets, then he must buy an auto insurance policy. This is explained in better detail at the link below.

Question: new hampshire vs massachusetts car insurance?
Is New Hampshire auto insurance better then Massachusetts auto insurance rates?

Answer: Generally, yes, NH insurance rates are less than MA insurance rates. But, it also depends on where you live in each state & the company (there is now limited competition in MA). Also, MA is a PIP state & NH is NOT a PIP state, so there is less coverage in NH. If you are moving to NH you will need to get a NH license, registration & insurance. If you are not moving & just want to get an address in NH to get insurance there, you can't. You have to sign a Residence Form stating you are actually a resident of NH & live there. It also states that you will notify your insurance as soon as you move out of state (at any time during the policy - even if it is years from the time you sign it). If you are really not a resident of NH and an accident occurs, the company WILL deny coverage & in essence, you were paying for a nonexistent policy.

Question: auto insurance?????
I was just wondering what companies in nh offered insurance to teens. My little cousin is haveing a hard time finding anyone who will insure her without being on parents insurance. We live in new hampshire....so far all we have found is progressive

Answer: they are the only ones

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