Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in New Hampshire

Insurance Requirements for Car Registration in New Hampshire

New Hampshire is one of the few states that has no mandatory insurance laws. Drivers can legally register and operate vehicles without insurance, unless they fall under certain circumstances.

However, New Hampshire law does state that any driver who causes an auto accident that results in bodily injury or property damage must pay for those costs. The best way for most drivers in New Hampshire to meet this requirement is to carry insurance. If you are at fault in an accident, and do not carry insurance, your driver’s license will be suspended until you can show that you are able to meet the costs from the damages and injuries occurred in the accident.

While New Hampshire does not require any minimum coverage for drivers, it does impose minimums for liability insurance plans offered by insurance providers. Any insurance provider must offer the following minimums for liability insurance:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $25,000 for property damage liability

  • Medical coverage of at least $1,000, to pay for your own medical expenses

  • Uninsured motorist insurance that matches the total minimum liability insurance for both bodily injury and property damage ($75,000)

This means that the total minimum amount of financial responsibility an insurance provider can offer is $151,000 to cover bodily injury, property damage, medical coverage, and uninsured motorist insurance.

SR-22 requirements

Some drivers in New Hampshire may be required by law to file an SR-22 document, which is a Proof of Financial Responsibility, or auto insurance. This document guarantees that a driver will carry liability insurance for at least three years. This document will be required for drivers under these circumstances:

  • Drivers convicted of driving while intoxicated

  • Drivers who have been classified as a habitual offender of traffic violations

  • Drivers who have received too many demerit points on their driver’s license

  • Drivers found at fault for an accident where they did not carry insurance

  • Drivers who are found guilty of leaving the scene of an accident

New Hampshire Automobile Insurance Plan

In the event that you wish to carry insurance, or are required to do so due to the requirement of filing an SR-22, you must seek insurance through an authorized insurance provider. If you are considered a high-risk driver, insurance companies have the right to deny coverage.

In these cases, New Hampshire maintains the New Hampshire Automobile Insurance Plan program, which allows insurance providers to share the risks of covering high-risk drivers with other providers. Any driver may apply for a plan through the New Hampshire Automobile Insurance Plan program with an insurance company that participates in the plan.

For more information, contact the Division of Motor Vehicles of the New Hampshire Department of Safety through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

Insurance Requirements for Car Registration in Kentucky
The Kentucky Transportation Cabinet requires that all drivers in Kentucky carry liability automotive insurance, or “financial responsibility” in order to operate a vehicle legally and maintain vehicle...
How to Get a Louisiana Driver's Permit
s licensing program. The first step in this program is to obtain...
P0477 OBD-II Trouble Code: Exhaust Pressure Control Valve Low
P0477 code means that the PCM has detected an abnormally low voltage reading often due to the exhaust back pressure control valve circuit.


Related questions

Q: Can an accident cause the alignment to be off and the front left strut to leak even when only the body was damaged visually?

If the speed at time of impact was over 10 MPH and you jumped the curb, the alignment can easily be disturbed not to mention the possibility, indeed likelihood if the speed was high enough, of damage to the unibody...

Q: Advice on buying a car with hail damage

Realize that hail damage is just pieces of ice falling down on the car and denting the heck out of everything. It may look horrible but the actual hail itself doesn't damage the car. So as long as it runs...

Q: what would be the average cost to own my vehicle over a ten year period

Typical "lifecycle" vehicle ownership and operation costs, such as you are inquiring about, are calculated on a 5 year interval. Going out 10 years has too much inherent uncertainly in inflation projections, and the costs of fuel, insurance, and repairs....