Auto Insurance Requirements in New Hampshire
New Hampshire doesn't require drivers to carry auto insurance unless they've been convicted of certain driving violations.
However, you must be able to show you have the funds to cover the state's financial responsibility requirements, should you be at fault in an accident, which are the same as a basic policy: $25,000 for bodily injury liability per person; $50,000 for bodily injury liability per accident; $25,000 for property damage; $1,000 or more for medical payments coverage; and uninsured motorist coverage with limits that match bodily injury.
New Hampshire car insurance minimum requirements
Required min. limits | |
|---|---|
| $25,000 per person/$50,000 per accident | |
| $25,000 per accident | |
| $1,000 per person | |
| $25,000 per person/$50,000 per accident |
Bodily injury (BI): $25,000/person and $50,000/accident
Requirements
- Up to $25,000 per injured person
- Up to $50,000 per accident if two or more people are injured
Covers
- Your personal assets
- Legal fees in the event that the other party sues you, up to the stated limit
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Does not cover
- Your own medical bills
Property damage (PD): $25,000/accident
Requirement
- Up to $25,000 per accident
Covers
- Everything from the other driver's car
- Other property damaged in the accident (buildings, fences, etc.)
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Medical payments (MedPay): $1,000/person
Requirement
- Up to $1,000 per person
Coverage
- Covers your own medical costs following an accident, regardless of fault
- Also covers family members living in your home and passengers in your vehicle
- Can claim your medical expense due to an accident with either your health insurance plan or MedPay
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Health insurer cannot reject your coverage if the injuries are due to a car accident
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Uninsured motorists bodily injury (UIMBI): $25,000/person and $50,000/accident
Requirements
- Must match your BI limits
- Starts at $25,000 per person
- Starts at $50,000 for accident
Covers
- Your own medical bills
-
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Cheapest companies in New Hampshire for minimum liability
When is auto insurance required in New Hampshire?
Auto insurance is always recommended in New Hampshire but seldom required. If you're convicted of any of the traffic violations listed below, you'll need to purchase a policy:
- Driving while intoxicated
- A hit-and-run
- A second speeding ticket
- A second warning or ticket for other traffic violations
When you are required to buy auto insurance, your insurer will need to file an SR-22 form on your behalf. This form acts as your proof of financial responsibility for the future.
Alternative proof of financial responsibility
If you're required to get car insurance, you have one alternative: Deposit $100,000 in cash or securities with the state treasurer. But an insurance policy is a much more convenient way to prove your financial responsibility.
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