New Hampshire Auto Insurance Policy Requirements

Q: What is in a basic New Hampshire auto insurance policy?
A: When purchasing a New Hampshire auto insurance policy, you will encounter these main types of auto insurance that can be added to it:

  1. Liability Coverage
    1. Property damage and injury to people are addressed separately when working with insurance. Liability insurance is thus divided into two kinds:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Minimum liability coverage in New Hampshire is:
      1. $25,000 for injury/death to one person.
      2. $50,000 for injury/death to more than one person.
      3. $25,000 for damage to property.
      4. Also known as “25/50/25” (New Hampshire’s minimum auto insurance requirement)
    3. Liability minimums differ for leased vehicles.
  2. Collision Coverage is a requirement when your vehicle is financed (not completely paid for). Otherwise, it is a recommended option though it is a not a requirement for your New Hampshire auto insurance policy.
  3. Comprehensive Coverage is – like collision coverage – only required when your vehicle is financed, and is otherwise a noncompulsory part of a New Hampshire auto insurance policy.
  4. Medical Payments Coverage is not required but recommended for a New Hampshire auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is required to be included in your auto insurance policy by New Hampshire state law.
  6. Personal Injury Protection (PIP) Coverage is an optional addition to a New Hampshire auto insurance policy.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is New Hampshire a No-Fault state?
A: No, New Hampshire is not a no-fault state.

Q: How can I get a discount on a New Hampshire auto insurance policy?
A: You may be able to have the cost of your policy lowered. To see if you qualify, check our list of auto insurance discounts for more info.

Q: Where can I find more information about New Hampshire auto insurance?
A: There are many sources of authoritative information on New Hampshire insurance:
  1. New Hampshire Insurance Resources
    1. The New Hampshire Division of Motor Vehicles (DMV) registers vehicles and titles in New Hampshire and also licenses drivers.
    2. The New Hampshire Insurance Department promotes fairness and stability in the insurance marketplace.
  2. National Insurance Resources

CLICKinsure offers auto insurance for residents of New Hampshire, where weekend drivers experience the vibrant colors of the fall leaves, the crystal beauty of the state’s many lakes, and wintertime’s pristine snowfall. New Hampshire certainly has its culture of appreciation for the auto, with the revved-up events of New Hampshire International Speedway and the motto “Live Free or Die” blazed across license plates. Berlin, Claremont, Concord, Manchester, Nashua, Portsmouth, Franklin, Keene, Laconia, and all of New Hampshire’s cities are covered by CLICKinsure.