New Hampshire Car Insurance Laws and Policy Quotes

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All New Hampshire drivers must carry auto insurance if they get behind the wheel. This article shares what insurance minimums you must carry.

The article also covers the repercussions of not having it. And provides NH insurance quotes if you’re shopping for coverage in New Hampshire.

It’s important to understand the legal requirements of having auto insurance in New Hampshire to ensure you and your family are protected. New Hampshire is an at-fault state, meaning that drivers must carry the minimum amount of insurance required by law: bodily injury liability with a limit of $25,000 per person and $50,000 per accident, as well as property damage liability with a limit of $25,000 per accident.

The NH Car Insurance Minimum

New Hampshire requires the following required auto insurance coverage:

  • Bodily Injury Liability: $25,000 per person / $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person / $50,000 per accident
  • Medical Payments Coverage: $1,000 per person

Your final insurance needs will depend on your driving abilities, history, and needs. Some vehicles, like when leasing, may require collision and compressive coverage.

Penalties for Driving Without Insurance

Surprisingly, New Hampshire has relaxed penalties for driving without insurance. Unlike other states, NH doesn’t add fines but does come down hard if you cause an accident and don’t have coverage.

Typical penalties for driving in New Hampshire without insurance include:

  • Driving privilege suspension until judgment
  • Required SR22 insurance
  • Higher insurance premiums
  • Registration reinstatement costs

You may receive these penalties when being stopped or through the state’s electronic monitoring. Failing to provide proof of insurance will result in an offense. Subsequent offenses carry heavier fines, fees, and possible jail time for your actions.


Most punishments are dealt with if you cause an accident. This includes causing any damages over $1,000, not having insurance or bodily injury. Generally, your license will be suspended on the spot.

You will wait for the duration of your license suspension until your penalties are satisfied.

You may appeal to the state by requesting a hearing within ten days of the accident report. You’ll request your Driver Report and Crash Report before appearing before the administration.

You can pay extra fees when filing to reinstate your NH license after its suspension or revocation.

Compare Quotes for New Hampshire Insurance Policies

Whether you just moved to New Hampshire or you’re a resident, you need auto insurance if you’re getting behind the wheel and on state roads and highways. The insurance helps protect you from uninsured motorists while providing if you’re the one at fault.

Your intent may be finding cheap New Hampshire auto insurance to cover the state’s minimums. You may decide to upgrade your insurance policy once you’re driving. Many NH car insurance companies offer good driver discounts lowering their premiums – this also applies to good students.


Whether you’re trying to reinstate your license after suspension or revocation or looking for a cheap policy to cover the state’s requirements, options are available for you. Compare quotes and coverage for New Hampshire auto insurance policies from different companies and choose the one that best fits your needs. With, finding the right policy for you is easy and convenient. Receive your quote today and ensure you’re covered from potential financial liabilities while driving on the roads of New Hampshire.