New Hampshire Auto Insurance Rates & Requirements
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
Free to compare
New Hampshire at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
New Hampshire operates as an at-fault state and uniquely does not mandate auto insurance for all drivers — you can legally drive uninsured if you meet financial responsibility requirements. However, insurance becomes mandatory if you've had a DWI conviction, an at-fault accident, or specific license suspensions, and lienholders require coverage on financed vehicles. The New Hampshire Department of Safety oversees compliance and enforces financial responsibility laws.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
about $82/mo
Average car insurance spending in New Hampshire
Rate data: NAIC Auto Insurance Database, 2023
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Do I legally need car insurance in New Hampshire?
No, New Hampshire is the only state that does not require all drivers to carry auto insurance. However, insurance becomes mandatory if you've had a DWI, been found at fault in an accident without insurance, or have certain license suspensions. Additionally, if you finance or lease a vehicle, your lender will require collision and comprehensive coverage regardless of state law.
Does New Hampshire require SR-22 insurance?
Yes, New Hampshire requires an SR-22 certificate (proof of financial responsibility) after certain violations including DWI convictions, at-fault accidents while uninsured, excessive points, or license suspensions. The SR-22 itself is not insurance but a filing your insurer submits to the state proving you carry at least 25/50/25 liability coverage. You must maintain it for three years, and any lapse triggers automatic license suspension.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. New Hampshire's 25/50/25 minimum is only required after violations, but a single serious accident can result in six-figure damages.
Full Coverage
Combines liability, collision, and comprehensive insurance to protect both your financial responsibility to others and your own vehicle. Required by lenders and recommended for vehicles valued above $5,000.
Comprehensive Coverage
Pays for non-collision damage to your vehicle including weather events, falling objects, theft, vandalism, and animal strikes. Typically carries a deductible of $250–$1,000.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient coverage to pay your medical bills and vehicle damage. Must be offered at your liability limits but can be declined.
Collision Coverage
Pays to repair or replace your vehicle after an accident with another car or object, regardless of fault. Required by lenders and recommended for vehicles worth more than $3,000–$5,000.