Portsmouth Car Insurance

Your Complete Guide to Portsmouth, NH Car Insurance

Find the right car insurance policy for you.


Portsmouth, New Hampshire is a historic seaport and popular tourist spot located on the Piscataqua River along the border of New Hampshire and Maine. This quaint city has a population of around 21,000 residents. Whether you’re traveling on Interstate 95 or along New Hampshire Route 1A, you can be involved in a car crash at any time. 

Car insurance helps you recover financially after an auto accident. It pays for repairs to damaged cars, and can even help you replace a totaled vehicle. And if you’re at fault, it can help you reimburse other drivers for any vehicle damage or injuries that you caused. Local independent insurance agents make shopping for the right car insurance policy easy. They can work with multiple insurance companies, so you can compare quotes and make sure you are getting the high-quality, best-value coverage you desire. 

New Hampshire Car Insurance Requirements

Unlike most states, New Hampshire does not require drivers to purchase car insurance. But under New Hampshire's motor vehicle financial responsibility requirements, you must be able to pay for any losses that arise from a car accident that you cause. Failure to meet your financial obligations if you cause an accident can result in severe penalties, including steep fines and even jail time. If you choose to purchase New Hampshire auto insurance, your policy must meet the following minimum requirements. 

  • $25,000 bodily injury liability coverage per person per accident
  • $50,000 bodily injury liability coverage for all persons per accident
  • $25,000 property damage liability coverage

If you decide to buy auto liability insurance in New Hampshire, you are then required to purchase at least $1,000 of medical payments coverage, or personal injury protection (PIP). This covers your own medical expenses after an accident regardless of who caused the crash. New Hampshire drivers who purchase auto liability insurance must also purchase uninsured motorist coverage in an amount that is equal to your liability coverage. So if you purchase the minimum amount of liability coverage (25/50/25), your uninsured motorist coverage limits would be the same.


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How Much Does Car Insurance Cost in Portsmouth, NH?

Car insurance is relatively affordable in New Hampshire. In fact, the state ranks 47th highest for the average annual cost of car insurance. 

  • National average annual car insurance cost: $1,311
  • New Hampshire average annual car insurance cost: $905
  • Portsmouth average annual car insurance cost: $915

Average car insurance rates in Portsmouth are similar to the state average. But that doesn’t mean you should pay more than necessary to cover your family. Your insurance company determines your car insurance rates by evaluating how risky you are as a driver. They look at certain individual risk factors to help predict how likely you are to get into an accident or file a costly claim. These factors include:

  • Your age
  • Your gender
  • Where you live
  • Your history of accidents and filing car insurance claims
  • Your car
  • The number of drivers in your household

If you have certain risk factors, such as being young or having an expensive car,  you will pay more for Portsmouth car insurance. Fortunately, many insurance companies offer numerous discounts to help make your policy more affordable. An independent insurance agent can tell you about the cost and coverage options that are available to you and can help you find ways to save. 


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Our independent agents shop around to find you the best coverage.

Number of Uninsured Motorists in New Hampshire

Many New Hampshire residents drive without car insurance. 

  • How many US drivers are uninsured? 12.6%
  • How many New Hampshire drivers are uninsured? 9.9%

Drivers without insurance often can’t pay for accidents that they cause. This means that other drivers on the road could be financially responsible for an uninsured driver’s mistakes. Uninsured motorist coverage pays for medical bills and vehicle damage if an uninsured driver hits you. Uninsured motorist coverage is only required if you choose to purchase auto insurance in New Hampshire, but purchasing auto insurance is not mandated by the state. 

Number of Auto Thefts in New Hampshire

The auto theft rate across the state of New Hampshire is lower than the national average. Portsmouth also has a relatively low auto theft rate.

  • National auto theft rate per 1,000 vehicles: 2.94
  • New Hampshire auto theft rate per 1,000 vehicles: 0.65
  • Portsmouth auto theft rate per 1,000 vehicles: 1.20

Cars are relatively safe from auto theft in Portsmouth, but that doesn’t mean you should let your guard down or go without appropriate insurance coverage. Remember, cars can be stolen anywhere. No matter where you live, be sure to use common sense deterrents to protect your car from theft. If you have Portsmouth car insurance, be sure to select comprehensive coverage so you can be reimbursed if your car is stolen, vandalized, or damaged by circumstances other than being in a collision (falling tree, storm damage, etc.) A local independent insurance agent can help you review the cost to include this coverage in your policy.

Why Contact an Independent Insurance Agent?

Independent insurance agents can get quotes from multiple insurance carriers so you have a variety of affordable options. Independent agents can assess your risks and answer your questions so you can find the coverage that best fits your needs and budget. 

Contact an insurance agent in or near Portsmouth to start comparing customized car insurance quotes. 

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