New Hampshire Auto Insurance

The Granite State

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New Hampshire Auto Insurance

New Hampshire has seven geographic locations that New Hampshirites often associate themselves with. There are many things to do year-round, like: snowmobiling, boating, and hiking. To enjoy more activities this year, one thing you should prioritize is saving money on your car insurance!

AIS is the Auto Insurance Specialist that can save you money while finding you the best coverage for your budget.

Required New Hampshire Auto Insurance

Oddly enough, New Hampshire does not make having Auto Insurance mandatory yet this state has a lower than national average of uninsured drivers. You must be able to demonstrate your ability to pay the state’s Financial Responsibility requirements in the event of an accident. Even though you are not required to purchase auto insurance, if you choose to buy auto insurance you must have these coverages: Liability, Medical Payments, and Uninsured/Underinsured Motorist.

State Minimum Liability Coverage in New Hampshire

Having liability coverage will help pay for bodily injury or damages to others, in an accident that you caused. Your New Hampshire Auto Insurance must have liability coverage with these minimum amounts:

  • BI or Bodily Injury: $25,000 per person; $50,000 for injuries to multiple people in an accident
  • PD or Property Damage: $25,000 per accident

Medical Payments Coverage Minimum

The medical payments Coverage is to help pay for your own medical costs when you become injured from an accident.

  • Medical payments coverage: $1,000

Uninsured Motorist State Minimum Coverage

This coverage helps pay for your injuries and damage to your own property that resulted from an accident with an uninsured driver or one who doesn’t have enough coverage.

  • The Uninsured Motorist Coverage must match your Bodily Injury and Property Damage Liability Coverage amount.

Optional Coverage in New Hampshire to Consider

If you do choose to buy auto insurance in New Hampshire, there are other coverage options that aren’t legally required. These will give you additional protection, above what you are getting in the minimum amounts required in Liability, Medical Payments and Uninsured Coverage.

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

Most Stolen Car Models in New Hampshire

According to, these are the top 10 cars that were stolen in New Hampshire.If your car is on this list, your auto insurance premium is likely going to behigher than others:

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

New Hampshire Auto Insurance Discounts

If you get New Hampshire Auto Insurance, these are a few common discounts that you might qualify for to lower your premiums. 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; that includes driving a few miles above the speed limit.

  • 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.

New Hampshirites settle here because of the beautiful coasts and history this 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 and legally on the road with the required auto insurance will keep your driving moments much more enjoyable. If you don’t want to spend hours searching for low rates and best coverage from hundreds of carriers, Auto Insurance Specialists are here to help with that! We search and find the best rates and coverage from our high-quality insurance partners. The helpful professionals at AIS Auto Insurance Specialists 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

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