In NH You Don't Have To Buy Car Insurance.. But it's still a good idea!!

Car Insurance in New Hampshire: What You Need to KnowThinking about skipping car insurance in the Granite State? Think again! While New Hampshire is the only state without mandatory car insurance, getting the right coverage is crucial for your financial protection.


Do You Need Car Insurance in NH?Technically, no. New Hampshire doesn't legally require drivers to carry car insurance. However, driving without it is incredibly risky.


Why You Should Get Car Insurance in New Hampshire

• Financial Protection: Accidents happen. Without insurance, you're personally liable for all costs associated with injuries and property damage.
• Peace of Mind: Knowing you're covered provides valuable peace of mind on the road.
• Surprisingly Affordable: New Hampshire boasts the 5th lowest average car insurance premiums in the US! Many drivers pay even less than the state average of $1,530 per year. (Source: US News, May 2024)

Understanding NH Car Insurance RequirementsEven though it's not mandatory, if you do choose to get insured in New Hampshire, there are minimum coverage requirements:

• Bodily Injury Liability: $25,000 per person / $50,000 per accident
• Property Damage Liability: $25,000 per accident
• Uninsured/Underinsured Motorist: $25,000 per person / $50,000 per accident
• Medical Payments: $1,000 per accident

Increase Your Protection: We recommend opting for higher coverage limits for greater peace of mind.
When Car Insurance is Necessary in NHYou'll need proof of insurance (SR-22) in situations like:

• DUI/DWI convictions
• At-fault accidents without insurance
• Accumulation of excessive demerit points

Factors Affecting Your Car Insurance Rates in NH

• Age, Gender, Marital Status
• Household Members
• Coverage Limits
• Location
• Vehicle Type and Use
• Credit History

Get the Best Rates: We work with over 40 insurers to find you the most affordable coverage tailored to your individual needs.
Contact Atlantic Insurance & Benefit Company today for a quote and expert advice on car insurance in New Hampshire.
Call 603-882-2909 or visit our website to get started!

• NH Frequently Asked Questions About Car Insurance
• Your Guide To Understanding Auto Insurance in the Granite State

NH Auto Insurance doesn't have to be complex or expensive. As a Trusted Choice Independent Agency, we're here to answer your questions and help you find the best coverage for you and your family. Contact us today for NH car insurance quotes or questions about SR-22s at 1-888-882-2909.

CLICK HERE TO GET YOUR OWN ONLINE NH CAR INSURANCE QUOTE

Steve Donohue is an insurance agent specializing in car insurance in Nashua, NH.

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