What You Need To Know About New Hampshire Auto Insurance

August 25, 2020

The beautiful state of New Hampshire – also known as the Granite State because of it’s granite rock formations. Besides the mountains and beautiful rivers, you may also know that New Hampshire does not require auto insurance. Which makes things a lot more complicated than you would expect.

Winters in New Hampshire can get pretty dicey, and accident risks rise as the snow begins to fall and ice covers the roads. This is not the time you want to be without auto insurance coverage.

New Hampshire doesn’t require car insurance, but they do require the driver to cover costs of all bodily injury and property damage for an at-fault accident. Since most people can’t pay those costs out of pocket, the no brainer decision would be to carry coverage.

“The Division of Motor Vehicles strongly recommends and urges all owners of motor vehicles to carry standard liability and property damage insurance,” the New Hampshire Department of Safety stresses on its online page on financial responsibility.

Drivers who purchase insurance in New Hampshire must get a policy that includes at least: $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage for an accident involving multiple people and $25,000 in property damage coverage. The policy also must include at least $1,000 in medical payments coverage to pay your own medical bills in an accident. 

There are some exceptions, however. New Hampshire requires these drivers to show proof of insurance:

  • Drivers who have been convicted of a DUI
  • People convicted of certain offenses, such as leaving the scene of an accident or a second conviction for reckless operation.
  • Drivers who have been determined to be at fault for an auto accident and who did not have insurance at the time. They’re required to show proof of insurance for three years after the crash.

Thankfully, despite NH not requiring its drivers to carry insurance, most people do. About only 9 percent of drivers in the state are uninsured.

Drivers who are unable to get car insurance on the voluntary market because of at-fault crashes, poor credit or other factors can apply for coverage through the state’s New Hampshire Automobile Insurance Plan.

Consider these auto insurance companies

Good drivers: Concord Group

Drivers with poor credit: Concord Group

Drivers with on at-fault accident: Concord Group

Low-milage drivers: Concord Group

Minimum coverage: GEICO

Another good consideration for auto insurance in NH: Amica, StateFarm

The weather in New Hampshire effects the car culture in the state. Chevrolets, Subarus and Audis are very common due to their ability to withstand some of the intense weather conditions.

“When the freezing rain starts, when it gets snowy and icy, that’s when it really does become challenging,” he says, adding that even people from other snowy states like Michigan and Minnesota can have a hard time driving in New Hampshire. “When you get ice plus hills it gets a lot trickier,” he says.

It’s the smartest move to get auto insurance in the state of New Hampshire despite the requirement. Especially with the weather, you don’t want to risk and accident. Paying for damages and injury out of pocket is not feasible for most people. Damages can cost anywhere from $5,000-$100,000 depending on the severity. Don’t risk it! You can use our quoting tool to make sure you get the best insurance for you in the state of New Hampshire.

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