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Affordable car insurance in New Hampshire

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Helping New Hampshire residents find affordable insurance

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Coverage type & requirements in New Hampshire

New Hampshire does not require car insurance coverage. However, drivers without car insurance are personally responsible for paying medical bills or property damage expenses due to a car accident. Because of this, many drivers still choose to get car insurance. 

Additionally, if you’re one of the many drivers who lease or finance their vehicle, check with your lender about any additional insurance they may require. Although not mandated by the state, some lenders may require full coverage auto insurance in New Hampshire. 

It’s important for residents to know car insurance requirements in New Hampshire. The following are the coverage types and limit amounts New Hampshire requires if you choose to purchase insurance; however, these minimums are just a starting point. You may want to consider increasing your coverage limits or purchasing additional coverage for further protection.

Car accident

Bodily Injury Liability

To cover injury or death related expenses in an accident when you’re at fault – $25,000 limit per person/$50,000 limit per accident

Property Damage Liability

To cover property damage expenses in an accident when you’re at fault – $25,000 limit

Uninsured Motorist Coverage

To cover medical expenses in an accident when the other driver is at fault but doesn’t have any car insurance – If you buy auto insurance, limits will be equal to liability coverage limits

Underinsured Motorist Coverage

To cover medical expenses in an accident when the other driver is at fault but doesn’t have enough liability insurance – Grouped with uninsured motorist coverage

Medical Payments

To cover medical or funeral expenses if you and/or your passengers are hurt in an accident – $1,000 limit required if you buy liability coverage

How to get affordable car insurance in New Hampshire

Although a smaller state, New Hampshire offers residents multiple opportunities for skiing, hiking, sun tanning on the beach, and exploring countless lakes and rivers. As one of the six New England states, New Hampshire boasts all four seasons and activities to enjoy in each one.

Whether you’re thinking about moving to New Hampshire or have called it home for a long time, you may consider purchasing car insurance. A great first step for finding affordable car insurance is to compare quotes from top insurance companies in New Hampshire. Fortunately, Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

Why is New Hampshire auto insurance important?

Although car insurance in New Hampshire is not mandatory, it is essential to assess the financial responsibility of driving without it. If you don’t have auto insurance in New Hampshire and get into an accident, you must pay for all damages out of pocket. If you are unable to do so, you could risk losing your driver’s license.

Whether you’re interested in the minimum auto insurance required or want more coverage for additional protection, we can connect you with top car insurance providers in New Hampshire.

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What other factors impact your auto insurance rate?

The state you live in is only one of the factors that may impact your car insurance rate.  Each car insurance company has their own formula for calculating rates based on a variety of factors that make up your driver profile.  

Factors that can impact your quoted rates include: 

  • Your demographics including your age, home ownership, marriage status, and more 
  • Your driving history including how long you’ve been driving, traffic violations, and more 
  • Your car including make, model, and year 
  • Your zip code, or where you live within your state 
  • How much coverage you want

The best insurance rates in New Hampshire

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About Rate Retriever

At Rate Retriever, our mission is to create the best possible experience for people who are searching for new insurance. So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the inaccuracy of quote prices – and threw it out the window, favoring a short form that matches you with top providers for your unique needs.

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to serve as an insurance marketplace, allowing you to compare insurance companies to find one that meets your unique needs at a price you can afford.

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence the information we provide.