New Hampshire Auto Insurance

New Hampshire auto insurance laws require many different coverages. So really understanding your policy may take a little effort.

This guide:

  • Explains New Hampshire auto insurance laws and requirements

  • Describes how New Hampshire car insurance rates are set

  • Shows you how to save money with multiple quotes

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New Hampshire auto insurance laws

New Hampshire is a tort state, which means that drivers bear financial responsibility for any damage and injury they cause in an accident.

You will be required to show proof of this responsibility should you be involved in an accident for which you are found "at fault". Most New Hampshire drivers choose to meet this responsibility by purchasing auto insurance. The policies required by New Hampshire auto insurance laws are liability, medical payments, and uninsured and underinsured motorist bodily injury coverages.

Liability insurance helps cover the cost of injury and damage caused by you to another. New Hampshire's liability minimums are 25/50/25. (That's $25,000 per person for injuries, up to $50,000 for total, and $25,000 for property damage.)

Uninsured and underinsured motorist bodily injury coverage is also required in New Hampshire. These policies help pay for your expenses should you be in an accident with a driver with inadequate liability coverage. The required minimum on these policies is 25/50 ($25,000 per person injured, up to $50,000 total). You must carry the same levels of liability and un/underinsured motorist coverage.

New Hampshire auto insurance law also requires drivers to purchase at least $5,000 worth of medical expenses coverage. In the event of an accident,this policy provides for the immediate treatment of your injuries (up to the policy limits), regardless of fault.

Other optional New Hampshire auto insurance policies include collision and comprehensive.

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If you are a New Hampshire resident, you might be able to save on your policy premium by visiting Electric Insurance. Their policies are available only to those drivers whose credit and driving records could be described as being at least good.

After you visit ComparisonMarket, get a quote from Electric to see if you qualify.

How New Hampshire car insurance rates are set

For better or for worse, the price of New Hampshire auto insurance is decided by the behavior of the state's drivers as a whole. New Hampshire auto insurance companies take the cost of insuring New Hampshire drivers (this includes settlements and legal fees) and divide it up among the drivers.

But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all insurance companies compute their figures in the same manner. This means that they will charge different rates on the same driver.

What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal.

Fortunately, shopping around is easy to do online.

Where you can get New Hampshire auto insurance quotes

The following web sites will help you find New Hampshire car insurance quotes: (these links will open in a new window)


  • ComparisonMarket is the easiest and most accurate quotes comparison service, with the highest rate of savings anywhere.

  • Electric Insurance a provider with discount rates for good drivers

  • Netquote provides quotes directly from local agents, which very helpful if you're looking from more personalized service.


To speed things up, you might wish to have some information required for an online quote ready before you begin.

More NH car insurance advice and help

If you want more help designing your NH auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains loads of money-saving tips, too.

To find out more about NH auto insurance laws and regulations, visit the official website of the State of New Hampshire Insurance Department.

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