New Hampshire

State Insurance Requirements

New Hampshire has a financial responsibility law that requires all motorists to have insurance or to have enough money to pay for damages to others that may be caused by a motor vehicle. Most drivers in New Hampshire decide to satisfy the requirements of the New Hampshire Financial Responsibility Law by buying auto insurance. It is advised that you get at least the minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, in addition to Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 25/50/25 coverage.
New Hampshire Coverage:
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $25,000 Limit
Uninsured/Under-insured Motorist Bodily Injury: $25,000/$50,000 Limit
*New Hampshire does not have compulsory auto insurance liability laws, but you must be financially responsible for your actions.

The state of New Hampshire follows a Tort system meaning someone must be found to be responsible for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.

You can get Uninsured/Under-insured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or under-insured driver (depending on the state). New Hampshire does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.

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New Hampshire

State Insurance Requirements

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