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New Hampshire Car Insurance Breakdown
With our New Hampshire auto insurance guide, drivers in the Granite State can find everything they need to know in one place. We’ve done our research on state requirements, discounts, average rates, and more to provide you the inside scoop. If you prefer speaking to a real person, call an agent at [mapi-phone /] to let them walk you through everything.
What are the laws and minimum requirements in New Hampshire?
New Hampshire is one of the few states with insurance laws that don’t require vehicle owners to maintain auto insurance. Instead, you are only required to prove you have the money based on state minimum insurance requirements to cover an accident if you are at-fault. If you go the insurance route, here are the minimums your plan will need to cover for both liability coverage and uninsured/underinsured motorist coverage:
- $25,000 for bodily injury liability/uninsured/underinsured motorist, per person per accident
- $50,000 for bodily injury liability/uninsured/underinsured motorist,, per accident
- $25,000 for property damage liability/uninsured/underinsured motorist, per accident
- $1,000 in medical payments coverage
If you prove you can prove financial responsibility instead of buying an auto insurance policy, just know that you’ll be spending thousands of your own cash to do so.
What are other car insurance coverage options?
You don’t have to have auto coverage, but the idea of that makes us shudder. We hope you’ll buy the minimum and then consider adding additional coverage to protect yourself from hefty bills after an auto accident. Here’s what you can buy:
- Collision Coverage – If your car gets banged up, this insurance can help pay for it.
- Comprehensive Coverage – Hit a deer? Have a vandal ruin your car? This coverage helps foot the bill for those damages.
- Rental Car Coverage– Get this insurance so your insurance company will pay for a car rental if yours isn’t drivable after an accident.
- Towing and Labor Coverage– After an accident, you might need a tow. Without this coverage, you’ll be paying for that yourself.
- Personal Injury Protection– Pays for your medical bills after an auto accident.
- Uninsured/underinsured Motorist Coverage– Pays for damages related to accidents with a driver who is uninsured or does not have enough insurance to pay for your expenses.
- Roadside Assistance— Get help when your car breaks down.
How do New Hampshire companies determine your auto insurance rates?
Your premium is a reflection of you. Auto insurers may ask you a number of questions to determine what kind of driver you are and how risky you are to insure. If you’re low-risk, expect lower premiums. If you’re high-risk, you may pay more. Here’s what they’ll need to know:
- Previous insurance coverage
- Age
- Gender
- Address
- Make and model of vehicle
- Driving/claims record
- Credit history
If your insurance costs are high due to a bad driving record or poor credit score, make sure to ask about insurance discounts when you’re shopping around for the cheapest car insurance. Many auto insurance companies offer discounts for taking a defensive driving course or bundling your auto policy with homeowners insurance or life insurance. If you have a teen driver on your policy, ask your insurer if they offer a good student discount.
What do New Hampshire drivers pay for auto coverage?
According to our analysis, the chart below shows the cheapest auto insurance providers on average. If it’s much lower than what you’re currently paying, you should shop around for a cheaper policy.
| Average Annual Rates | |
|---|---|
| The Hartford | $429.78 |
| Safeco | $751.73 |
| American National Financial | $804.83 |
| GEICO | $835.18 |
| Progressive | $961.74 |
Because rates for drivers are constantly fluctuating, it’s important that you shop around yearly. A good rule of thumb is to get quotes from at least three companies so you can be certain you are getting an affordable premium.
Did You Know?
We don’t want to scare you if you drive one of these top stolen cars, but we have to tell you about it because theft can make your premiums go up. Here’s the list of New Hampshire’s most commonly stolen cars so you can decide if you want to drive one or not*.
- Honda Accord
- Honda Civic
- Chevrolet Pickup (Full Size)
- Ford Pickup (Full Size)
- Dodge Caravan
- Dodge Pickup (Full Size)
- Jeep Cherokee
- Toyota Camry
- Toyota Corolla
- Chevrolet Pickup (Small Size)
Do you need to talk to an agent?
Prefer to talk with actual humans who are insurance professionals at the same time? With vast knowledge about affordable options for New Hampshire auto insurance companies, policies, and laws, licensed agents can help you find the best insurance option for you. Call [mapi-phone /] with any additional questions or to start shopping around.
Additional Resources for New Hampshire Drivers