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
Bodily Injury (BI): $25,000/person, $50,000/accident
- Up to $25,000 per injured person
- Up to $50,000 per accident for two or more injured persons
- Your personal assets
- Legal fees in the event that the other party sues you, only up to the stated limit amount
Does not cover
- Your own medical bills
Property Damage (PD): $25,000/accident
- Up to $25,000 per accident
- Everything from the other driver’s car
- Other properties that are damaged in the accident (buildings, fences, etc)
Medical payments (MedPay): $1,000/person
- Up to $1,000 per person
- Your own medical costs following an accident, regardless of fault.
- Also covers family members living in your home and passengers in your vehicle
- 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 Motorists Bodily Injury (UMBI): $25,000 per person/$50,000 per accident
- Bust match your BI limits
- Starts at $25,000 per person
- Starts at $50,000 for accident
Cheapest companies in New Hampshire for minimum liability
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.