The Granite State

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New Hampshire Auto Insurance

Residents of New Hampshire enjoy outdoor activities year-round, including boating, hiking and snowmobiling. Driving throughout the state reveals stunning views, but the roads can be a place of dangers, hazards and accidents. You’ll want to invest in Auto Insurance to protect yourself from any potential mishaps!

At AIS, our licensed and knowledgeable Auto Insurance Specialists can save you money while finding you great coverage that fits your budget. We’ll do whatever we can to make sure you’re not driving on the roads unprotected.

Required Auto Insurance in New Hampshire

Although Auto Insurance is not a legal requirement of drivers in New Hampshire, you must still demonstrate your ability to pay the state’s Financial Responsibility requirements in the event of an accident. Purchasing Car Insurance can be a simple and affordable way to ensure that you won’t have to pay out of your own pocket for bodily injury or property damages you may have caused in an auto accident.

If you decide to carry Auto Insurance in New Hampshire, it must meet certain requirements.

State Minimum Liability Coverage in New Hampshire

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $25,000 per accident

State Minimum Uninsured Motorist Coverage in New Hampshire

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $25,000 per accident

State Minimum Medical Payments Coverage in New Hampshire

  • Medical Payments: $1,000 per accident

To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in New Hampshire

When you purchase New Hampshire Auto Insurance, there are also other coverage options available to you that are not required. Although they are additional coverages, they can provide drivers with a greater peace of mind that they are more financially protected in the event of an accident or mishap.

Below are some examples of optional coverage that you may want to consider adding to your policy:

  • Collision Coverage*: This coverage will pay for damages to your car that result from an accident.
  • Comprehensive Coverage*: This coverage helps pay for the damages to your car that came from something other than an accident.
  • Towing and Labor: This coverage reimburses you for towing and labor costs that come from your car breaking down, up to your policy limit.
  • Rental: If your car is in the shop because of a covered accident, this gives you a limited allowance per day for renting a car.

*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.

You are under no obligation to purchase any of these optional Auto Insurance policies, but they can provide you with a better peace of mind while you're on the road. If you're considering adding any of these optional coverages, contact a knowledgeable AIS agent today for assistance.

Most Stolen Car Models in
New Hampshire

If you own a car that is highly targeted for theft, you may find your that Car Insurance rate is increased. According to, these are the top 10 cars that were stolen in New Hampshire in 2017:

  1. Chevrolet Pickup (Full Size)
  2. Ford Pickup (Full Size)
  3. Honda Accord
  4. Honda Civic
  5. Toyota Camry
  6. Jeep Cherokee/Grand Cherokee
  7. GMC Pickup (Full Size)
  8. Dodge Caravan
  9. Ford Focus
  10. Ford Explorer

New Hampshire Auto Insurance Discounts

If you get New Hampshire Auto Insurance, there are a few common discounts that you might qualify for that can help you lower your premium. The best way to get low rates is to keep a clean driving record and continue driving safely. Just a few points on your record can skyrocket your premium for the next few years, and that includes driving a few miles above the speed limit.

Some examples of discounts you may qualify for include:

  • Good Driver Discount
  • Good Student Discount
  • Senior Citizen Discount
  • Anti-Theft Device Discount
  • Safety Device Discount

To learn more about specific discounts, visit our Discounts page.

People setting in New Hampshire because of the beautiful coasts and history the state has to offer. There are many beautiful places to explore all over the state by way of driving. Keeping you and your family protected financially with the required Auto Insurance will keep your road trips much more enjoyable. If you don’t want to spend hours searching for low rates and the best coverage from hundreds of carriers, our Auto Insurance Specialists are here to help. We search and find the best rates and coverage from our high-quality insurance partners. The helpful professionals at AIS can be an excellent asset to New Hampshire drivers. For information and a quick free quote on a New Hampshire Auto Insurance policy, call us at AIS today!

Start a New Hampshire Auto Insurance Quote Today: (888) 772-4247 Get Online Quote

About New Hampshire

The potato planted in the U.S. was at Londonderry Common Field, New Hampshire in 1719.

In 1833, the first free public library in the country was established in Peterborough, New Hampshire.

Notable New Hampshire Attractions

Mount Monadnock

Hampton Beach

Portsmouth Harbor Trail and Historic Houses