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New Hampshire Auto Insurance
Are you familiar with the rates and requirements for New Hampshire auto insurance? If you are interested in solid but also cheap auto insurance in New Hampshire, you will want to be as informed as possible. Here are the most important details on New Hampshire driving laws and statistics about auto insurance.
Car Insurance Requirements in New Hampshire
New Hampshire is unique in that it is one of just a few states that do not require auto insurance. As such, there are no New Hampshire auto insurance requirements. However, if you are involved in an accident that is ruled to be your fault you will be responsible for the property damage and bodily injury you caused. If you purchase New Hampshire car insurance, you will be protected against this. Most people in New Hampshire do have insurance. If you choose to be insured there, your policy has to include:
- $25,000 worth of coverage for bodily injury or death per person
- $50,000 worth of coverage for bodily injury or death per accident
- $25,000 worth of coverage for property damage
These are all liability coverage amounts, and if you choose to get a car insurance policy in this state you will also need to have uninsured motorist’s coverage on that policy in the same amount as your liability coverage. Since New Hampshire does not have mandatory car insurance requirements it also doesn’t require comprehensive or collision coverage. But many policies do have them as options and a lot of people purchase them for the protection they provide. Understanding New Hampshire car insurance laws is important for anyone living there.
Is New Hampshire a No-Fault State?
New Hampshire is a fault state. That means drivers who are found to be responsible for an accident have to provide compensation to the affected parties based on the property damage or injury those parties have suffered.
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Car Insurance Prices in New Hampshire
Car insurance prices in New Hampshire generally range from around $710 per year for just liability coverage to $1,606 per year for full coverage. Teenage drivers can expect to pay the most, with premiums that are closer to or over $2,000 per year. People between 21 and 85 will have typical rates, and drivers aged 35 to 75 will pay the lowest rates with an average of $1,158 per year.
| Age | Most Popular Vehicle | Gender | Most Common City | ||
|---|---|---|---|---|---|
| 18 – 24 | Chevrolet | Male – 47% | Female – 53% | Manchester | ||
| 25 – 54 | Chevrolet | Male – 47% | Female – 53% | Manchester | ||
| 55 – 64 | Ford | Male – 44% | Female – 56% | Manchester | ||
| 65 + | Toyota | Male – 41% | Female – 59% | Manchester | ||
* This information is based on Pretected.com users.
Auto Insurance for Good Drivers
Good drivers have safe driving habits and a good driving record. Accidents are few or non-existent, as are traffic tickets. A lot of insurance companies give these drivers special discounts.
Auto Insurance for Bad Drivers
Bad drivers have driving record blemishes like accidents, traffic tickets, or even a DUI. They are higher risk for insurance companies so their rates are higher. How much the rate goes up for a traffic infraction depends on the insurance company.
Traffic Violations and Fines in New Hampshire
Speeding Ticket Cost in New Hampshire
The cost of a speeding ticket is handled by counties, but the majority of tickets result in a fine and other costs. Speeding tickets also add points to your license, as does reckless driving in New Hampshire.
Driving While High Laws in New Hampshire
DUI laws in New Hampshire are very strict and they include driving under the influence of marijuana or other drugs.
Driving Without Car Insurance in New Hampshire
Drivers without car insurance may face penalties if they get into an accident and cannot pay for the damage they caused.
Texting and Driving in New Hampshire
Distracted driving is usually assumed to be texting, other cell phone use while driving, or eating while driving. These aren’t all illegal in New Hampshire, but they can all contribute to an accident. Texting while driving is illegal unless the driver is texting emergency responders.
The state had “blue laws” for a long time, so you could not buy a car on Sunday.
New Hampshire Car Accidents
There were over 15,000 car accidents in New Hampshire during the first eight months of 2025, which was an increase from the year before. But fewer of those crashes resulted in fatalities, which was a boost for car accident statistics showing that new traffic programs are working.
Reasons for Car Accidents in New Hampshire
The major reasons for car accidents were striking other vehicles and objects. These accounted for more than 80 percent of the state’s accidents. The number of pedestrian strikes was much lower, but the fatalities in these accidents were higher.
Car Accident Statistics by Vehicle Type in New Hampshire
Over half of the car accidents in New Hampshire involved passenger cars, and SUVs. While there are a high number of motorcycles in New Hampshire, the rates of these accidents are dropping with less than five percent of accidents involving them.
Car Accidents in New Hampshire – More Facts
On average, more than 50 percent of accidents occurred in rural locations. Drivers under age 25 were also responsible for more than 20 percent of the fatal crashes in the state.
Bonus: Most Weird, Funny and Ridiculous Traffic Laws in New Hampshire
- If you are under 18, stay off the road between 1am and 5am.
- Don’t breathe those bus fumes! If you are doing it to get high, it is illegal.
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Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.