New Hampshire car insurance

New Hampshire abounds with natural beauty to explore by car. Before you roam the winding roads of the White Mountains, make sure you carry reliable car insurance. Progressive offers a range of coverage options and discount opportunities for auto insurance in New Hampshire, so you can drive with peace of mind and affordable protection.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are New Hampshire's minimum auto insurance requirements?

Car insurance in New Hampshire isn't required, but New Hampshire law requires you to show proof of financial responsibility if you're liable for someone else's injuries or damages. One way to prove financial responsibility is by getting car insurance.

Drivers in New Hampshire who buy auto insurance are required to have auto liability coverage (BI liability and PD liability), uninsured/underinsured motorist (UM/UIM) coverage, and medical payments coverage at the following minimum car insurance limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accident.Minimum amount$25,000 per person
$50,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accident.Minimum amount$25,000 per accident
UM/UIM bodily injury What it coversYour medical expenses an uninsured or underinsured driver causes.Minimum amount$25,000 per person
$50,000 per accident
UM/UIM property damageWhat it coversDamage to your property an uninsured or underinsured driver causes.Minimum amount$25,000 per accident
Medical payments coverageWhat it coversYour medical costs due to an accident, plus lost wages, and death benefits, regardless of who's at fault.Minimum amount$1,000 per accident

While these are New Hampshire's required car insurance limits for drivers with insurance, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is New Hampshire a no-fault state?

No. New Hampshire is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in New Hampshire?

In New Hampshire, the average cost of a liability-only auto insurance policy (single driver/single car) from Progressive was about $91 per month in 2023.* Rates vary based on several factors, including your driving history, location, and coverage selections.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.  Get an auto insurance quote today.

What is the best car insurance in New Hampshire?

Looking for the cheapest car insurance in New Hampshire? Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:

  • Allstate customers who switch and save with Progressive save $775 on average††
  • GEICO customers who switch and save with Progressive save $740 on average§

How do I lower my car insurance cost in New Hampshire?

To lower your car insurance cost in New Hampshire, you may qualify for the following discounts through Progressive:

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

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in New Hampshire is to combine your auto and home policies with Progressive — new customers nationwide who save bundling home and auto insurance save over 20% on average.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to New Hampshire's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged as the result of a covered accident. It also makes sense to add these physical damage coverages if you're not sure you could afford a new car or major repairs after a crash.

Explore all our car insurance coverages and our car insurance calculator to find which coverages are recommended for you.

New Hampshire driving resources

From Mount Washington to the Kancamagus National Scenic Byway, get to know New Hampshire's driving laws and resources. These resources apply to Manchester, Nashua, Concord, Londonderry, and everywhere in between, and local municipalities may have additional laws and resources.

How to get car insurance in New Hampshire

Go online

Customize your policy's coverages, limits, and deductibles.

Get a car insurance quote

Call us

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Call 1-866-749-7436

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Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.