Is Car Insurance Required in New Hampshire?

New Hampshire drivers who opt for auto insurance must follow state minimums.

According to Insure.com, New Hampshire drivers paid the 5th-lowest car insurance premiums in the nation in 2010, or $1,011.23 per vehicle, per year. The state does not require minimum auto coverage, but fiscal responsibility is required.

Coverage Requirements

New Hampshire drivers are required to either be financially responsible for out-of-pocket auto insurance coverage or possess a state-required auto insurance minimum. According to CarInsurance.com, most New Hampshire drivers choose to purchase the insurance.

State-Required Liability Insurance Minimums

Deemed a 25/50/25 insurance liability state, New Hampshire drivers that opt to buy car insurance must purchase a minimum of $25,000 to cover the damages if they injure one person, $50,000 if multiple persons are injured and $25,000 to cover property damages.

State-Required Uninsured Motorist Minimums

New Hampshire drivers must also purchase uninsured motorist protection if they do not opt-out of auto insurance. The state's minimum requirements for uninsured motorist coverage are a respective $25,000 and $50,000 if one or multiple persons are injured at the hands of an uninsured driver and $1,000 minimum for medical bill coverage after an accident with an uninsured driver.

References

• Insure.com: The Most and Least Expensive States for Car Insurance in 2010
• Am Pm Insure: State-wise Information on Auto Insurance
• CarInsurance.com: New Hampshire Car Insurance

Resources

• New Hampshire Insurance Department
• Insurance Information Institute: Find an Insurance Company