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New Hampshire
Auto Insurance

Requirements of Motorists under NH State Law

Everyone has an opinion about insurance. Some people believe it is a conspiracy to con hardworking people out of money. You can not imagine how much you need insurance until you something happens that you were not prepared for.

Weather its a car accident, a flu, a fire,or a theft these things happen all the time. You never know if or when something might happen to you. Don't be caught off guard by life's unpredictable events.

There are certain "requirements" that are applicable to each state and varies accordingly. We have attempted to compile all of the relevant information in to this single resource to help visitors know what is expected of them in regards to insurance.

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New Hampshire Car Insurance Requirements

New Hampshire does not require you to have car insurance. However, if you have an "at fault" accident without having insurance coverage, you will be required to post a bond or cash equal to the amount of damage you caused in that accident.

However, if you decide to meet the New Hampshire financial responsibility requirement, you should acquire insurance limits as followis:

Coverage Minimum - *25/50/25

Coverage Explanation - Car insurance coverage in New Hampshire must provide a minimum of $25,000 for injury liability for one person in an accident, $50,000 for all injuries in an accident, and $25,000 for property damage in an accident.

*A $75,000 single limit policy will also satisfy the minimum requirement.

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Important New Hampshire Auto Insurance Laws!

1. The NH auto insurance law does not require you to have automobile insurance.

However, under New Hampshire auto insurance law, if you have an "at fault" accident without having insurance coverage, you will be required to post a bond or cash equal to the amount of damage you caused in that accident.

You must also satisfy the NH Financial Responsibility requirements to continue to operate a vehicle in New Hampshire.

2. Uninsured Motorists Coverage must be equal to the limit of Liability coverage purchased.

Important to Note:

Please note also that not carrying insurance means that you could be hit with a lawsuit. Such a lawsuit is expensive to defend, and even if you are found innocent; the costs incurred could be detrimental to your financial standing. Insurance is highly recommended.

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Residency Requirement

All new policies and renewals require the signature of the insured attesting to the fact that the policyholder is a resident of the State of New Hampshire.

New Hampshire auto insurance law further requires all insured motorists to notify the insurance company when he or she moves and is no longer a resident of this State.

Failure to sign the residency document can result in the cancellation of the policy. Under New Hampshire auto insurance law, false claims in that statement carry a fine of $2,000 and up to one year imprisonment.


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