Car insurance · New Hampshire
Car insurance requirements in New Hampshire
No general insurance mandate, but financial responsibility applies after an at-fault accident. Claims system: fault-based claims.
Verified summaryAll New Hampshire insurance topics
Requirements
Minimum car insurance requirements in New Hampshire
| Coverage | Requirement in New Hampshire |
|---|---|
| Bodily injury liability | If you buy a policy, the minimum limits available are $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident, if you buy a policy |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | If you buy a policy, uninsured motorist coverage is required at limits equal to your liability coverage (RSA 264:15) |
What the law requires you to carry
- New Hampshire motor vehicle laws do not require you to carry auto insurance
- If you buy auto insurance, the minimum liability limits available are 25/50/25
- If you buy auto insurance, you must also buy uninsured motorist coverage at limits equal to your auto liability coverage (RSA 264:15)
- After an at-fault accident, you must meet New Hampshire's motor vehicle financial responsibility requirements, which most people do with insurance
Uninsured drivers
Uninsured motorist coverage in New Hampshire
If you buy a policy, uninsured motorist coverage is required at limits equal to your liability coverage (RSA 264:15).
- Because the law does not require insurance, the driver who hits you may have none. Uninsured motorist coverage is designed for that situation.
- The Department's guide describes underinsured motorist coverage as included with the uninsured motorist coverage in any purchase of auto liability coverage.
Optional coverage
Coverage you can add in New Hampshire
- Underinsured motorist coverage
- Medical payments
- Collision
- Comprehensive
- Higher liability limits
Penalties
Penalties for driving without insurance in New Hampshire
According to the New Hampshire Insurance Department's consumer guide, if you are at fault in an accident and do not meet the financial responsibility requirements, your driving privileges may be suspended.
Good to know
Other things to know in New Hampshire
- New Hampshire is the only state whose motor vehicle laws do not require drivers to carry auto insurance. The Insurance Department recommends buying it anyway, so that you meet the financial responsibility requirements if you are in an at-fault accident.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in New Hampshire
- New Hampshire Insurance Department
- Website: insurance.nh.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about New Hampshire.
Home insurance resources and the health marketplace for New Hampshire are on its overview page.