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new hampshire car insurance

You might know that car insurance in New Hampshire isn't mandatory. But do you know which coverages are required if you do decide to buy a policy?

You'll find this and other pertinent info here in our guide to auto insurance in the Granite State. And if you decide you want coverage, we'll even help you start a free, easy New Hampshire car insurance quote, too.

Even though Esurance isn't currently available in the state, we can still help you find a reliable, flexible, and affordable policy that fits your needs. That's just how we roll.

Required car insurance in New Hampshire

None. That's right — in line with its motto "Live Free or Die," The Granite State doesn't require its drivers to purchase New Hampshire auto insurance. If you choose to drive without car insurance in New Hampshire, the state requires you to prove you have sufficient funds to pay for any damage or injury caused in an at-fault accident.

That said, the majority of New Hampshire drivers still buy car insurance. A 2011 report from the Insurance Research Council estimated that 11 percent of New Hampshire's drivers were uninsured in 2009, which was below the national average of 13.8 percent.

Coverage options for drivers

Again, New Hampshire auto insurance is optional. "Live Free or Die" … you get it.

But if you DO opt for a New Hampshire car insurance policy, there are 3 coverage types you'll need to have:

  1. Liability coverage. This helps cover others' medical and property damage costs after an accident if you were at fault. Your liability coverage needs to include the following limits:

    1. $25,000 in bodily injury coverage per person
    2. $50,000 in bodily injury coverage per incident
    3. $25,000 in property damage coverage per incident

    These limits will often appear as 25/50/25.

  2. Medical payments coverage. This helps pay your injury costs regardless of who was at fault. If you buy car insurance in New Hampshire, you'll need to carry at least $1,000 in medical payments coverage.
  3. Uninsured motorist coverage. If you're struck by an uninsured driver, this will help pay for medical expenses and property damage. It needs to carry the same 3 limits as liability: 25/50/25.

If you want more coverage than these base limits provide, you can opt for higher amounts when you get your New Hampshire car insurance quote.

Other coverages you can add

In addition to liability coverage, medical payments coverage, and uninsured motorist coverage, you can typically add the following to your policy:

  • Comprehensive coverage (may be required by a lease or finance company)
  • Collision coverage (may be required by a lease or finance company)
  • Rental car reimbursement coverage
  • Towing and labor coverage

Depending on the New Hampshire car insurance provider, more coverages may be available. Check to see what your options are when you get your quote.

Determining fault after a car accident

New Hampshire uses the comparative negligence system. This means you can recoup injury and property damage expenses from other drivers as long as you were less than 50 percent responsible for the incident. And the amount you do end up recouping depends on how much (or little) you were found at fault.

How insurers may determine New Hampshire car insurance rates

Rating factors vary by insurer, but in general, the following factors can influence your New Hampshire car insurance rates:

  • Driving record of all those on policy
  • Age, gender, and marital status
  • Other drivers on your policy
  • Coverages, limits, and deductibles
  • Discounts you qualify for
  • ZIP Code
  • Credit history
  • Car type and its primary use (commuting, Sunday drives, etc.)
  • Insurance history

Related links

Why rates vary
We'll take some of the confusion out of your car insurance premium.

New Hampshire's official guide to car insurance (PDF)
The official resource is chock-full of handy car insurance info for those in New Hampshire.

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