New Hampshire Auto Insurance

New Hampshire is one of the few states in the nation that doesn't require most drivers to carry automobile insurance, but of course it's still the smart thing to do. If you're in an accident or your car is vandalized, then you'll still need insurance to help cover the costs for repairs, medical bills, and other losses.

There's one great piece of news when it comes to New Hampshire auto insurance: The average cost for auto insurance in the state of New Hampshire is lower than the national average, although costs have risen in the last few years.

Recommended minimum for New Hampshire auto insurance

While the state has no formal regulations telling you how much insurance to buy, there are some guidelines in New Hampshire that suggest how much you should have, at the very least. These amounts include the following:

• Bodily Injury and Death: $25,000 to cover one person in any one accident, and $50,000 to cover all injuries
• Property Damages: $25,000 

One concern for New Hampshire drivers when considering insurance is that the state follows a "Tort" law, meaning that one driver must be found at fault for causing an accident ; the at-fault driver will then be responsible for covering all the costs for damages.

If you cause an accident, the costs for your passengers, your vehicle, and the other driver's vehicle and injuries can easily skyrocket, leaving you with enormous bills. Having an insurance policy can protect you and your finances in case such an event occurs.

Laws regulating New Hampshire auto insurance

A few exceptions do exist in New Hampshire law – in certain cases, some drivers will be required to have liability insurance coverage. For example, if you are caught Driving While Intoxicated (DWI), or if you have a certain number of DMV Demerit Points, you will be required to purchase a New Hampshire auto insurance policy. For the first DWI, you will need to buy insurance for three years. If you're caught in a second DWI offense, you will need to have liability insurance coverage for five years.

If you are required to buy insurance, the minimums will be the same as the recommended amounts listed above, plus you will also need to purchase uninsured/underinsured motorist bodily injury coverage in the amount of $25,000 for the first person and $50,000 total coverage per accident.

Certain car rental companies may also require that you buy insurance coverage by the day, while you drive their cars.

Request a free quote for New Hampshire auto insurance today!