New Hampshire Car Insurance Requirements
Numbers refreshed
What every New Hampshire driver must carry at minimum and what that coverage pays for.
- For liability coverage, the average monthly cost is $43.
- The minimum liability limits are 25/50/25.
- It has the 46th-highest cost among 51 states (1st = highest).
Requirements in New Hampshire
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $25,000 |
| Personal injury protection | Not required |
| Uninsured motorist | Not required |
| Underinsured motorist | Not required |
| Fault system | At-fault |
Source: New Hampshire Insurance Department, Auto Insurance Guide (PDF); Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What those amounts cover
Drivers in New Hampshire must carry at least 25/50/25 liability coverage. For each person hurt, $25,000 is available, while one crash provides $50,000 for everyone hurt. Another $25,000 covers damage to other people's property.
These limits often don't cover the full cost of medical bills or a newer car. Others can claim from you any amount above these limits, so many drivers choose 100/300/100 coverage instead. The average annual cost for liability coverage in New Hampshire is $517.
Driving with no insurance
Driving with no insurance can cost you your license and registration in New Hampshire. You may need to submit proof of insurance for several years to get them back.
Contact the New Hampshire Department of Safety, Division of Motor Vehicles (DMV) for answers.
Learn more about car insurance in New Hampshire
First written