Comparing auto insurance in New Hampshire is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
New Hampshire is unusual because most drivers are not required to carry insurance upfront. That makes uninsured motorist protection especially important, and drivers may also want comprehensive coverage for winter weather, deer collisions, falling branches, theft and storm damage.
New Hampshire average rates are well below Bankrate’s listed national averages for both full and minimum coverage, but premiums can still rise after a speeding ticket, at-fault accident, DUI, SR-22 filing or poor credit.
25/50/25
New Hampshire generally does not require most drivers to carry auto insurance before driving. However, if a driver buys auto insurance or is required to file proof of financial responsibility, the minimum liability policy is $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability. New Hampshire policies must also include at least $1,000 in medical payments coverage and uninsured motorist coverage that generally matches the liability limits purchased.
At Fault
Offer/Rejection Rule
PIP is not required in New Hampshire. New Hampshire is not a no-fault state, but auto policies issued in the state must include at least $1,000 in medical payments coverage.
Required
New Hampshire generally requires uninsured motorist coverage on auto policies issued in the state. UM coverage generally matches the bodily injury liability limits purchased, so a minimum policy typically includes $25,000 per person and $50,000 per accident in UM bodily injury coverage.
Recent rate data estimates New Hampshire annual auto insurance premiums at about $1,694 for full coverage and $466 for minimum coverage.
| Driver Profile | Estimated Annual Premium | Estimated Monthly Premium |
|---|---|---|
| State minimum coverage | $466 | $39 |
| Full coverage | $1,694 | $141 |
| Full coverage with speeding ticket | $1,980 | $165 |
| Full coverage after at-fault accident | $2,282 | $190 |
| Full coverage after DUI | $2,691 | $224 |
| Full coverage with poor credit | $3,669 | $306 |
Bankrate, 2026
Source: Bankrate
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles, credit tier and insurer.
New Hampshire minimum coverage focuses on required protection such as New Hampshire generally does not require most drivers to carry auto insurance before driving. However, if a driver buys auto insurance or is required to file proof of financial responsibility, the minimum liability policy is $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability. New Hampshire policies must also include at least $1,000 in medical payments coverage and uninsured motorist coverage that generally matches the liability limits purchased.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
New Hampshire may require an SR-22 certificate after certain convictions, crashes, suspensions or financial responsibility orders. The DMV says the accepted proof is the uniform SR-22 certificate, filed through an insurance company licensed in New Hampshire. DMV FAQ guidance lists minimum filing periods starting at three years from the final conviction or crash date.
New Hampshire does not use FR-44 filings.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your New Hampshire auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to New Hampshire drivers, including:
Ask about bundling, safe-driver, paid-in-full, good-student, multi-policy, multi-vehicle, low-mileage and telematics discounts. Drivers who rarely commute may benefit from usage-based or low-mileage programs.
Ask about available discounts when comparing quotes.
| Rank | Carrier |
|---|---|
| 1 | Geico |
| 2 | USAA |
| 3 | State Farm |
| 4 | Progressive |
| 5 | Nationwide |
Carrier pricing and availability vary by ZIP code and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Find auto insurance in these major New Hampshire cities:
New Hampshire generally does not require most drivers to carry auto insurance before driving. However, if you buy a policy or are required to file proof of financial responsibility, the minimum liability coverage is 25/50/25: $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability. Policies must also include at least $1,000 in medical payments coverage and uninsured motorist coverage that generally matches the liability limits.
No. New Hampshire is an at-fault state, also called a tort state. The driver who causes a crash can be held financially responsible for injuries and property damage.
No. PIP is not required in New Hampshire. However, New Hampshire auto policies must include at least $1,000 in medical payments coverage.
Yes, for New Hampshire auto policies. If you buy auto insurance in New Hampshire, uninsured motorist coverage is generally included and matches the bodily injury liability limits purchased.
Bankrate lists New Hampshire’s average annual cost at $1,694 for full coverage and $466 for minimum coverage. Actual quotes depend on ZIP code, driving record, vehicle, coverage limits, deductibles, credit tier and insurer.
New Hampshire may require an SR-22 after certain convictions, crashes, suspensions or financial responsibility orders. The DMV says the accepted proof is the uniform SR-22 certificate, filed by an insurance company licensed in New Hampshire.
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Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
