New Hampshire Auto Insurance Rates & Requirements
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
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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 a traditional tort state but uniquely does not mandate auto insurance for financially responsible drivers. You must carry liability insurance only if you've had certain violations, an at-fault accident, or failed to pay a judgment. If you choose to drive uninsured and cause an accident, the state requires immediate proof of financial responsibility at 25/50/25 limits, or your license and registration are suspended until you comply. According to the New Hampshire Department of Safety, this makes New Hampshire one of only two states (along with Virginia) without universal insurance mandates.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
$38–$55/mo
Typical monthly rate in New Hampshire, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. New Hampshire doesn't require it upfront, but if you cause an accident without it, you must immediately prove $25,000/$50,000/$25,000 financial responsibility or lose your license.
Full Coverage
Combines liability, collision, and comprehensive to protect both your vehicle and your legal exposure. Adds collision for at-fault accidents and comprehensive for theft, weather, and animal strikes.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an uninsured or underinsured driver hits you. Insurers must offer it, but you can decline in writing.
Collision Coverage
Pays to repair or replace your vehicle after an accident, minus your deductible, regardless of who's at fault. Lenders require it for financed vehicles.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, fire, hail, flood, and animal strikes. New Hampshire sees high deer collision rates in rural counties, particularly during fall and early winter.
SR-22 Insurance
Not a coverage type but a certificate proving you carry insurance, filed with the state after DUI, multiple violations, or driving uninsured. Required for 3 years in New Hampshire.