Are there minimum requirements for auto insurance in New Hampshire?

New Hampshire drivers aren’t required to carry car insurance, but New Hampshire law requires you to show proof of financial responsibility if you’re liable for someone else’s injuries or damages. Liability coverage can help you properly protect your assets if you’re at fault in an accident. Here are the minimum liability limits if you buy auto insurance in the Granite State:

  • $25,000 in bodily injury liability per person
  • $50,000 in total bodily injury liability per accident
  • $25,000 in property damage liability per vehicle

Nearly one out of ten drivers in New Hampshire were uninsured in 2015, according to the Insurance Information Institute. And, if you buy auto insurance in New Hampshire, uninsured/underinsured motorist bodily injury and property damage are mandatory coverages with the following minimum limits:

  • $25,000 in uninsured/underinsured motorist bodily injury
  • $50,000 in total uninsured/underinsured motorist bodily injury per accident

New Hampshire also requires $1,000 per person in medical payments if you purchase an auto policy. Medical payments can pay for medical bills resulting from a covered accident.

Consider comprehensive and collision coverage

Your lender will typically require comprehensive and collision coverage if you're leasing or financing your car. Even if your vehicle is paid off, these coverages can pay to repair or replace your car if it's stolen, vandalized, or damaged in a covered accident.

If you're a safe driver, we think you should be rewarded. Snapshot® from Progressive personalizes your rate based on your driving habits. See how Snapshot works.

How much is New Hampshire car insurance?

In New Hampshire, the average cost of a liability-only auto insurance policy from Progressive was $115 per month in 2020.* Rates vary based on several factors, including your driving history, location, and coverage selections.

Does Progressive offer discounts that can lower the cost of my car insurance?

We offer a range of discounts to help lower your policy’s price, such as:

  • Online quote
  • Multi-car
  • Paid in full
  • Five-year claim-free
  • Multi-policy
  • Teen driver
  • Smart technology discount
  • Homeowner

See all auto insurance discounts.

Fast facts about driving in New Hampshire:

  1. New Hampshire is the only state without laws requiring seat belts for drivers or passengers. Buckle up anyway, as seat belt usage has been proven to reduce fatalities and injuries in car accidents.

  2. New Hampshire is an at-fault state. Even though auto insurance isn’t a state law, you’re still legally and financially responsible for any injuries or damages you cause to another driver.

  3. One of the hazards of driving on rural roads is loose gravel and rocks being kicked up at your windshield. Comprehensive coverage can pay to repair or replace a cracked windshield.

How to get car insurance in New Hampshire


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