Cheap Car Insurance Rates in New Hampshire (2023)

Compare Auto Insurance Rates in New Hampshire

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. 


<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;Getting car insurance for 16 - 18 year olds in New Hampshire that is affordable can be a challenge, as this age group is the one that can be expected to pay the most in premiums every year. Comparing rates from several carriers and checking discount programs can help everyone who needs insurance find the policy they can afford.</qa> 

<qa>2;Car Insurance for Students (18 - 24 year olds) in New Hampshire;Once students get into college their auto insurance rates drop significiantly. Students aged 18 can pay over $3,000 on average, but premiums drop below $2,000 by the time they are 22.</qa> 

<qa>3;Car Insurance for 24+ Year Olds in New Hampshire;At age 24, car insurance rates level out quite a bit. For most of their life, drivers will pay between $1,000 and $1,500 per year.</qa> 

<qa>4;Car Insurance for 55 (and Over) in New Hampshire;Car insurance premiums reach their lowest rate at age 55, often hovering just over $1,100 annually. Then premiums start to increase through the senior years, but generally do not get back to teenage-year levels.</qa> 

<qa>5;Car Insurance for Veterans in New Hampshire;Veterans in New Hampshire can qualify for car insurance discounts through some companies. These discount programs are based on the insurer, so veterans can check with their agent.</qa> 


AgeMost Popular VehicleGenderMost Common City
18 - 24          ChevroletMale - 47% | Female - 53%       Manchester
25 - 54          ChevroletMale - 47% | Female - 53%       Manchester
55 - 64             FordMale - 44% | Female - 56%       Manchester
65 +           ToyotaMale - 41% | Female - 59%       Manchester

* This information is based on 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.


<twitter>The state had "blue laws" for a long time, so you could not buy a car on Sunday.</twitter>


New Hampshire Car Accidents

There were over 15,000 car accidents in New Hampshire during the first eight months of 2017, 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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