Auto Insurance Requirements in New Hampshire

Auto Insurance Requirements in New Hampshire

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New Hampshire doesn't require drivers to carry auto insurance unless they're convicted of certain violations. A basic policy must include liability insurance with $25,000 for bodily injury liability per person; $50,000 for bodily injury liability per accident; $25,000 for property damage; medical payments coverage of at least $1,000; and uninsured motorist coverage, with limits that match BI.

New Hampshire car insurance minimum requirements

If you purchase an auto insurance policy, whether it's required or not, it must include at least the following coverages:

New Hampshire required car insurance coverage

NH required min. limits

Bodily injury (BI)

$25,000 per person/$50,000 per accident

Property damage (PD)

$25,000 per accident

Medical payments (MedPay)

$1,000 per person

Uninsured motorist bodily injury (UMBI)

$25,000 per person/$50,000 per accident

Bodily Injury (BI): BI coverage pays for the other party's medical bills if you're at fault in a car accident — up to $25,000 per injured person and $50,000 per accident. BI also covers your lawyer's fees if the other party decides to sue.

Property damage (PD): PD coverage reimburses a third party for any property damage following an accident you cause, up to $25,000 per accident.

Medical payments: MedPay pays up to $1,000 for your own medical costs following an accident, regardless of fault. The coverage also extends to family members living in your home and passengers in your vehicle. In New Hampshire, you can choose to claim your medical expense due to an accident either from your NH health insurance plan or your MedPay. Your health insurer cannot reject your coverage if the injuries are due to a car accident.

Uninsured motorist bodily injury: The limits on your UMBI coverage must match your BI limits, which start at 25/50 but can be raised. UMBI pays for your own medical bills if you're hit by a driver who doesn't have car insurance.

When is auto insurance required in New Hampshire?

Auto insurance is always recommended in New Hampshire but seldom required. If you're convicted of any of the traffic violations listed below, you'll need to purchase a policy:

  • Driving under the influence of drugs or alcohol
  • Hit and run
  • Intentionally hurting or killing someone with your vehicle
  • A second speeding ticket
  • A second warning or ticket for other traffic violations

When you are required to buy auto insurance, your insurer will need to file an SR-22 form on your behalf. This form acts as your proof of financial responsibility for the future.

Alternative proof of financial responsibility

If you're required to get car insurance, you have one alternative: Deposit $75,000 in cash or securities with the state treasurer. But an insurance policy is a much more convenient way to prove your financial responsibility.

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