New Hampshire car insurance: minimum coverage, rules & quotes
New Hampshire does not require insurance, but a policy must have at least $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability per accident. Here is what that means, how New Hampshire rules affect your price, and how to get a quote from a licensed agent — with your vehicle decoded from its VIN.
New Hampshire auto insurance requirements
Data as of November 5, 2026.
Minimum liability: $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability per accident.
Required coverages: Financial responsibility (insurance not mandatory).
At-fault (tort) state. In an at-fault (tort) state, the driver who caused the crash — through their liability insurance — is responsible for the other people's injuries and property damage.
Credit-based insurance scores: Insurers here may generally use a credit-based insurance score as one rating factor, subject to state rules that limit how it can be used.
New Hampshire does not require drivers to buy auto insurance but requires the ability to show financial responsibility. If you buy a policy, it must include at least these limits plus $1,000 of medical payments and uninsured/underinsured motorist coverage equal to the liability limits.
Official help: find the New Hampshire insurance department (consumer help, agent license lookup) in the NAIC, State insurance departments directory ↗, and the New Hampshire DMV in the USA.gov, State motor vehicle services (DMV) directory ↗.
Get a car insurance quote in New Hampshire
Takes about two minutes. Enter the VIN and we decode the exact vehicle, so the licensed agent who follows up has everything needed to quote. No Social Security number, driver's license number or payment details.
Good-driver discounts and other ways to save
Most insurers offer these discounts, but names, eligibility rules and amounts vary by company and state — so we do not quote percentages. Tick the ones that may apply on the form and the agent will check each one.
- Good / safe driver
For drivers with no at-fault accidents or major violations for a set number of years (often three or more). California law requires insurers to offer qualifying good drivers a Good Driver Discount.
Check this discount - Multi-policy (bundling)
Buying auto with homeowners, renters, condo or another policy from the same insurer.
Check this discount - Multi-car
Insuring two or more vehicles on the same policy.
Check this discount - Good student
For students with good grades, commonly a B average or better (insurers set their own rules).
Check this discount - Defensive-driving course
Completing an approved course. Some states require insurers to offer a discount for approved courses, often for older drivers.
Check this discount - Telematics / usage-based
An app or plug-in device that measures how, when and how much you drive. Safe habits can earn a discount; in some programs risky driving can raise the price.
Check this discount - Paid in full / autopay / paperless
Paying the whole term up front, enrolling in automatic payments or going paperless.
Check this discount - Low mileage
Driving fewer miles than average, for example working from home.
Check this discount - Safety & anti-theft features
Airbags, anti-lock brakes, crash-avoidance technology, alarms and tracking devices. The VIN decode shows the factory safety equipment listed for your car.
Check this discount - Affinity / military / employer
Membership in certain employers, alumni associations, professional groups or military service.
Check this discount
Car insurance coverage types, in plain English
- Bodily injury liability (BI)
Pays for injuries you cause to other people — their medical bills, lost wages and legal claims — up to your per-person and per-accident limits. Required in almost every state.
- Property damage liability (PD)
Pays for damage you cause to someone else's car or property. Required in nearly every state. A crash with a newer vehicle can exceed a low PD limit quickly.
- Collision
Pays to repair or replace your own car after a crash with another vehicle or object, regardless of fault, minus your deductible. Optional by law but required by lenders and lessors.
- Comprehensive
Covers your car for theft, vandalism, fire, flood, hail, falling objects and animal strikes, minus your deductible. Also required on most financed and leased cars.
- Uninsured / underinsured motorist (UM/UIM)
Protects you when the at-fault driver has no insurance or not enough. Required in many states; where it is optional, insurers usually must offer it.
- Personal injury protection (PIP) / Medical payments
PIP pays your and your passengers' medical costs (and in many states lost wages) regardless of fault; it is required in no-fault states. MedPay is a smaller, medical-only version.
- Gap insurance
If your financed or leased car is totaled or stolen, gap pays the difference between the car's actual cash value and what you still owe. Often available from your auto insurer, lender or dealer.
- Rental reimbursement & roadside assistance
Low-cost add-ons: a rental car while yours is being repaired after a covered claim, and towing, jump-starts, lockouts and flat-tire help.
New Hampshire car insurance FAQ
- What is the minimum car insurance in New Hampshire?
- New Hampshire does not require auto insurance, but drivers must be able to show financial responsibility. A policy you buy must have at least $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability per accident, plus medical payments and uninsured/underinsured motorist coverage.
- Is New Hampshire a no-fault state?
- No. New Hampshire is an at-fault (tort) state: the driver who causes a crash is responsible for the resulting injuries and damage, usually through their liability insurance.
- Can car insurers use my credit score in New Hampshire?
- Insurers here may generally use a credit-based insurance score as one rating factor, subject to state rules that limit how it can be used.
- Is the New Hampshire minimum enough coverage?
- It is the legal minimum, not a recommendation. Medical bills and newer-car repairs can exceed 25/50/25 limits, and you can be personally responsible for the difference. Many drivers choose higher limits, and financed or leased cars also need collision and comprehensive.
- Do I need insurance before buying a car in New Hampshire?
- You need proof of insurance to register and drive the car, and dealers usually ask for it before delivery. If you finance or lease, the lender will require collision and comprehensive. Request a quote on the exact VIN before you sign.
- How do I get a car insurance quote in New Hampshire?
- Use the AutosXchange quote form on this page: enter your VIN (we decode the vehicle), ZIP and a few details, and a licensed insurance professional will follow up. Or call or text (916) 476-7689.
- How do I get a good driver discount in New Hampshire?
- Most insurers offer a good- or safe-driver discount after several years without at-fault accidents or major violations. Eligibility and amounts vary by insurer; tick it on the form and the agent will check.
Minimum coverage in other states
- Alabama 25/50/25
- Alaska 50/100/25
- Arizona 25/50/15
- Arkansas 25/50/25
- California 30/60/15
- Colorado 25/50/15
- Connecticut 25/50/25
- Delaware 25/50/10
- District of Columbia 25/50/10
- Florida PD 10 + PIP
- Georgia 25/50/25
- Hawaii 40/80/20
- Idaho 25/50/15
- Illinois 25/50/20
- Indiana 25/50/25
- Iowa 20/40/15
- Kansas 25/50/25
- Kentucky 25/50/25
- Louisiana 15/30/25
- Maine 50/100/25
- Maryland 30/60/15
- Massachusetts 25/50/30
- Michigan 50/100/10
- Minnesota 30/60/10
- Mississippi 25/50/25
- Missouri 25/50/25
- Montana 25/50/20
- Nebraska 25/50/25
- Nevada 25/50/20
- New Jersey 35/70/25
- New Mexico 25/50/10
- New York 25/50/10
- North Carolina 50/100/50
- North Dakota 25/50/25
- Ohio 25/50/25
- Oklahoma 25/50/25
- Oregon 25/50/20
- Pennsylvania 15/30/5
- Rhode Island 25/50/25
- South Carolina 25/50/25
- South Dakota 25/50/25
- Tennessee 25/50/25
- Texas 30/60/25
- Utah 30/65/25
- Vermont 25/50/10
- Virginia 50/100/25
- Washington 25/50/10
- West Virginia 25/50/25
- Wisconsin 25/50/10
- Wyoming 25/50/20
Disclaimer: AutosXchange is not an insurance company, agent or broker and does not sell, quote, bind or service insurance. Quote requests are passed to licensed insurance professionals, who are responsible for any quote, advice or policy. This page is general educational information, not legal or insurance advice; coverage requirements change — confirm current rules with your state insurance department or DMV. Vehicle details from the VIN decoder come from NHTSA's vPIC database (manufacturer-supplied data for the VIN pattern) and may not reflect options or modifications on a specific car.