Liability Car Insurance in New Hampshire
Numbers refreshed
New Hampshire's cheapest legal policy: the price you pay and the coverage it leaves out.
- Average liability cost: $43 a month.
- Minimum liability limits: 25/50/25.
- 46th of 51.states by cost (1st = highest).
How much liability costs in New Hampshire
In New Hampshire, liability-only car insurance averages $517 a year, or about $43 a month. For liability, the state ranks 42nd in cost.
| Coverage in New Hampshire | Per year | Per month |
|---|---|---|
| Liability | $517 | $43 |
| Collision | $405 | $34 |
| Comprehensive | $181 | $15 |
| Full coverage (all three) | $1,103 | $92 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
What you still pay under the minimum
New Hampshire sets a floor of 25/50/25 liability coverage: $25,000 per person hurt, $50,000 for all people hurt in one crash, plus $25,000 covering damage to someone else's property.
Other people are the ones liability pays. Unless you add collision, you pay for repairs to your own car.
If a crash goes beyond your limits, you can be asked to pay the remainder. Buying higher limits usually costs far less than the extra protection you gain.
First written