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Best Affordable Auto Insurance in New Hampshire
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New Hampshire Auto Insurance can be cheap and affordable if you understand the state laws and requirements. In addition, the state department of insurance encourages residents to get multiple free quotes from different insurers, as shopping around is the best way to save. It is illegal to drive in New Hampshire without some form of financial responsibility for your vehicle, and the easiest way to meet this prerequisite is to buy at least the basic auto insurance policy. The first part of a basic policy is liability coverage which pays for damages to others for which you are legally liable. If you buy Auto Insurance in New Hampshire, the minimum limit for liability coverage is $25,000 per person for bodily injury, up to $50,000 if two or more people are hurt, and up to $25,000 for property damage caused by your accident. It is important to note that liability coverage does not pay to repair damage to your own auto. New Hampshire statutes necessitate you purchasing medical payments coverage is you also buy auto insurance. Medical payments coverage pays for medical expenses incurred as a result of an automobile accident whether you are at fault or not. By law, you must have at least $1,000 of medical payments coverage as well as uninsured motorist coverage in your policy. Uninsured motorist coverage provides protection should injuries result from an accident with an uninsured driver, or a hit and run driver. It also protects against injuries caused by insured drivers whose coverage is less sufficient than your own. In New Hampshire, uninsured motorist coverage must be provided at limits equal to your total auto liability coverage. It is not necessary to buy collision or comprehensive coverage if you have at least a basic policy, however some care dealerships may require you to get this coverage if you are leasing a vehicle. Finding the best and most affordable auto insurance in New Hampshire can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in New Hampshire. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Granite State.

Understanding New Hampshire's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in New Hampshire one must understand what coverage they need. New Hampshire is a rare state in that liability coverage is not required (yet there are minimums for coverage if you do opt for a policy). In addition it is not a no-fault state and does not require Personal Injury Protection (PIP). However it is mandated by law that you have a policy which protects you from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In New Hampshire the minimums are 15/30/5. The numbers are in thousands of dollars.

New Hampshire Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 15/30/5
  • No-Fault State: Yes
  • Personal Injury Protection Required: Yes
  • Uninsured Motorist Coverage Required: Yes
  • Average Liability Cost: $410
  • Average Collision Cost: $288
  • Average Comprehensive Cost: $103
  • Average Cost per Year in New Hampshire: $750
  • US Average Cost: $795
  • Expense Rank: 23/51

Best New Hampshire Auto and Car Insurance Companies

J.D. Power
Overall Rank
N/A 65%
N/A 53%
N/A 48%
N/A 42%
N/A 23%
N/A 75%
N/A 65%
N/A 34%