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

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

Related articles

5 Essential Things to Know About Luxury Vehicles
There’s There’s something to be said about the looks and offerings of luxury vehicles, but appearances can always be deceiving. If you’re considering buying a luxury car, there are a few things you need to know before you make your...
Insurance Requirements for Car Registration in Wisconsin
The The Wisconsin Department of Transportation requires that all drivers carry minimum amounts of liability insurance, or “financial responsibility,” in order to legally operate a vehicle on the roadways. The minimum financial responsibility requirements for Wisconsin drivers are as follows:...
How the Demerit Point System Affects Car Insurance Rates
Traffic infractions such as speeding and DUIs add points to your driving record which car insurance companies use to calculate your insurance rates.

Related questions

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....

A lot of damage, shops are backed up, mostly wondering if I'm possibly looking at a totaled vehicle.

You will likely need to get at least 3 different estimates on the vehicle to have a good idea of the costs. This way you can go to the insurance company with a fair estimate of the cost to repair...

Advice on buying the first car

Unfortunately, I don't want to jinx you, but the first car people get is the first car they wreck. I would say get a nice, used Toyota. You pay less, your insurance will be a lot cheaper. As time goes...

How can we help?

Our service team is available 7 days a week, Monday - Friday from 6 AM to 5 PM PST, Saturday - Sunday 7 AM - 4 PM PST.

1 (855) 347-2779 · hi@yourmechanic.com