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New Hampshire car insurance

New Hampshire Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

New Hampshire mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

If a driver accumulates a certain number of points on their driver’s license or is convicted of a DWI, they will need to prove liability insurance for three years while a second DWI offense will require proof for five years.

New Hampshire Minimum Liability Coverage
Each state sets its own minimum liability amounts. In New Hampshire they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $25,000

New Hampshire Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

New Hampshire requires everyone to carry minimum UM/UIM coverage of $25,000 per person and $50,000 per accident.

No Fault Insurance
In New Hampshire, you are not required to carry no-fault insurance. New Hampshire is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.