Car Insurance in New Hampshire: What You Need to Know
Is Car Insurance Required in NH?
No, New Hampshire is unique as the only state that does not require you to purchase car insurance.
Why Consider NH Auto Insurance?
While not mandated, it's highly recommended to purchase NH Auto Insurance for protection, and it's surprisingly affordable! In fact, New Hampshire ranks 5th lowest cost state in the US for average auto insurance premiums, with many of our clients paying even less than the state average $1530 annually (Source US news 05/2024).
NH State Minimum Insurance Limits
New Hampshire requires insured drivers to carry at least the following coverages:
Opting for Better Coverage
For a minimal increase in cost, you can opt for higher levels of coverage:
When Might You Need Car Insurance in NH?
While NH does not mandate car insurance, drivers may need to obtain Proof of Financial Responsibility (SR-22) under certain circumstances, such as DWI/DUI convictions, accidents without insurance, or excessive demerit points.
How Auto Insurance Rates Are Calculated in NH
Auto insurance rates in NH are determined by factors such as:
We partner with over 40 insurers to ensure our clients receive the lowest available rates tailored to their needs.
Where to Learn More About Car Insurance in NHFor more information, visit:
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.
Is Car Insurance Required in NH?
No, New Hampshire is unique as the only state that does not require you to purchase car insurance.
Why Consider NH Auto Insurance?
While not mandated, it's highly recommended to purchase NH Auto Insurance for protection, and it's surprisingly affordable! In fact, New Hampshire ranks 5th lowest cost state in the US for average auto insurance premiums, with many of our clients paying even less than the state average $1530 annually (Source US news 05/2024).
NH State Minimum Insurance Limits
New Hampshire requires insured drivers to carry at least the following coverages:
- Bodily Injury: $25,000 per person and $50,000 per accident.
- Property Damage: $25,000 per accident.
- Uninsured/Underinsured Motorist: $25,000 per person and $50,000 per accident.
- Medical Payments: $1,000 per accident.
Opting for Better Coverage
For a minimal increase in cost, you can opt for higher levels of coverage:
- Bodily Injury: $100,000 per person and $300,000 per accident.
- Property Damage: $100,000 per accident.
- Uninsured/Underinsured Motorist: $100,000 per person and $300,000 per accident.
- Medical Payments: $5,000 per accident.
When Might You Need Car Insurance in NH?
While NH does not mandate car insurance, drivers may need to obtain Proof of Financial Responsibility (SR-22) under certain circumstances, such as DWI/DUI convictions, accidents without insurance, or excessive demerit points.
How Auto Insurance Rates Are Calculated in NH
Auto insurance rates in NH are determined by factors such as:
- Age, gender, and marital status
- Household members
- Coverage limits
- Location
- Type of vehicle
- Use of the vehicle
- Credit history
We partner with over 40 insurers to ensure our clients receive the lowest available rates tailored to their needs.
Where to Learn More About Car Insurance in NHFor more information, visit:
- 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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