New Hampshire Auto Insurance

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When it comes to driving laws and auto insurance requirements in the United States, New Hampshire tops the list as one of the states with almost nonexistent requirements, which makes it one of the craziest for auto insurance.

Not all drivers in the Granite State are required by law to have New Hampshire auto insurance. However, there are a few stipulations that must be abided by, such as having enough money to cover the costs of property damages and medical costs if you’re at fault. Since nobody wants to pay for an auto accident out of their own pocket, it’s a wiser idea to maintain adequate New Hampshire auto insurance coverage at all times.

New Hampshire Auto Insurance Requirements

Although the following requirements must be met by auto insurers across the state, they are more of guidelines since auto insurance isn’t required in the state. However, if you don’t want to be stuck footing the bill (and maybe paying it off for the rest of your life), getting a New Hampshire auto insurance policy with the following minimums will help cover your costs — and financial wellbeing if you’re ever involved in an accident.

  • Bodily Injury: $25,000 per person, $50,000 per accident
  • Property Damage: $25,000 per accident
  • Uninsured Motorist: $25,000 per person, $50,000 per accident
  • Underinsured Motorist: $25,000 per person, $50,000 per accident
  • Personal Injury Protection: $1,000

What Does New Hampshire Auto Insurance Cover?

Property Damage Liability

This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.

Collision Coverage

This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.

Comprehensive Coverage

This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.

Bodily Injury Liability

If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.

Personal Injury Protection

Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.

Medical Payments

This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.

Gap Coverage

If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.

Towing & Labor

An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.

Rental Car

You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.

Uninsured Motorist

This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.

Underinsured Motorist

This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.

Does New Hampshire Require Auto Insurance?

No, New Hampshire is one of the very few states that don’t require its residents to have auto insurance. Although there are certain stipulations that may require you to maintain auto insurance in New Hampshire.

If you’ve been convicted of certain driving offenses like reckless driving, DWI, leaving the scene of an accident that makes auto insurance a requirement for a certain time period after the incident. Also, if you’re at fault for an accident and don’t have auto insurance, you’ll be required by law to get auto insurance afterward. So you may as well get ahead of the curve and get a New Hampshire auto insurance policy now.

How to Get the Cheapest Auto Insurance in New Hampshire

Getting the cheapest auto insurance in New Hampshire isn’t difficult. Simply call one of the many licensed insurance agents at Clovered and we can work to get you paired with an affordable policy that meets your coverage needs — in minutes.

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.