New Hampshire Car Insurance FAQ - Quick Answers

On average, New Hampshire drivers pay just $905 per year for their car insurance. This is significantly lower than the national average of $1,311 per year, which is a plus. If you're comparing auto coverage costs, consider using a trained professional who works with multiple carriers. 

Yes. You will at the very minimum need the required limits for uninsured motorist coverage. However, the limits that protect you even further like bodily injury liability and property damage liability for an accident that's your fault, is necessary whether it's mandated or not.

In New Hampshire, the driver who causes an accident is responsible for covering the cost of damage. The minimum limits for uninsured motorist coverage is required by law, while everything else is optional. 

With very little coverage actually being required to drive in New Hampshire, the percentage of uninsured motorists is surprisingly low. An average of 9.9% of all New Hampshire drivers are without coverage, which is less than the national average of 13%.

As a New Hampshire driver, you're only mandated to carry one type of coverage by state law:

  • $25,000 per person/$50,000 per accident/$20,000 in property damage in uninsured motorist coverage 

There are multiple options when it comes to choosing your car insurance carrier. In New Hampshire, Safeco, Stillwater, and Travelers insurance companies are commonly used for coverage. This is due to excellent customer service and superior financial reserves to pay for claims.

Do You Know What Your New Hampshire Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Bedford29.60.08$881
Concord22.81.05$937
Derry32.30.29$987
Dover24.20.43$769
Keene16.61$738
Londonderry28.70.67$913
Manchester23.81.36$966
Merrimack28.80.34$793
Nashua270.6$863
Portsmouth22.81$915
Rochester27.21.17$965
Salem29.90.67$945