New Hampshire car insurance requirements
Every driver in New Hampshire must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Medical payments | $1,000 per person (if you buy insurance) |
| Uninsured motorist | $25,000 per person / $50,000 per accident (if you buy insurance) |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What New Hampshire drivers should know
- New Hampshire is the only state that doesn’t require car insurance. But if you cause a crash without it, you must pay the damages and prove financial responsibility — and policies you buy must meet the limits in the table.
- Going without insurance is a big financial risk: you’re personally responsible for any damage or injuries you cause.
Home insurance in New Hampshire
- Winter is hard on homes here: frozen pipes, ice dams and snow load on roofs are common claims.
- Spring thaw and heavy rain can cause basement flooding and sewer backup — both need separate coverage or an endorsement.
Ways to save in New Hampshire
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.