New Hampshire Auto Insurance: Everything You Need to Know

Auto insurance is essential for protecting yourself, your passengers, and your vehicle on the roads of New Hampshire. However, choosing the right policy and company can be overwhelming. This guide provides everything you need to know about New Hampshire auto insurance, including minimum coverage requirements, available discounts, frequently asked questions, and more.

Minimum Coverage Requirements

In New Hampshire, drivers are required to have liability insurance that covers bodily injury and property damage. The minimum requirements are:

Coverage Type
Minimum Coverage Amount
Bodily Injury Liability
$25,000 per person/$50,000 per accident
Property Damage Liability
$25,000 per accident

Note that these are the minimum requirements and you may choose to purchase additional coverage to protect yourself and your vehicle.

Available Discounts

Auto insurance companies offer various discounts to help you save money on your policy. Some of the most common discounts available in New Hampshire include:

  • Safe driver discount
  • Good student discount
  • Multi-vehicle discount
  • Bundling discount (for purchasing multiple policies from the same company)
  • Anti-theft device discount

Be sure to ask your insurance company about all available discounts to ensure you’re getting the best deal possible.

Frequently Asked Questions

What happens if I get into an accident without insurance?

If you’re caught driving without insurance in New Hampshire, you could face fines, license suspension, and even jail time. Additionally, you’ll be responsible for paying any damages or medical bills out of pocket.

Do I need uninsured/underinsured motorist coverage?

While uninsured/underinsured motorist coverage is not required in New Hampshire, it’s strongly recommended. This type of coverage protects you in case you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.

What is collision coverage?

Collision coverage is an optional type of auto insurance that covers the cost of repairing or replacing your vehicle if it’s damaged in an accident, regardless of who’s at fault.

Can I cancel my insurance policy at any time?

Yes, you can cancel your insurance policy at any time. However, be aware that cancelling your policy before the end of the term may result in a penalty fee.

What should I do if I get into an accident?

If you’re in an accident, call 911 immediately if anyone is injured. Exchange insurance and contact information with the other driver and take photos of the damage if possible. Contact your insurance company as soon as possible to report the accident.


While auto insurance may seem complicated, it’s important to have the right coverage to protect yourself and your vehicle. Be sure to shop around for the best rates and discounts, and don’t hesitate to ask your insurance company any questions you may have. By following these tips, you can be confident in your auto insurance coverage on the roads of New Hampshire.