New Hampshire Car Insurance Laws
New Hampshire law is unique; it doesn't require you to carry car insurance, but does require that you demonstrate the ability to pay for the damages if you cause an accident.
Most New Hampshire drivers buy car insurance to meet that test. If you buy insurance, the minimum liability insurance you can purchase is $25,000 bodily injury liability per person ($50,000 per accident) and $25,000 property damage liability, plus uninsured/underinsured motorist bodily injury coverage and $1,000 of medical payments coverage (MedPay).
If you're at fault in an accident and don't have the financial means to take care of damages, then the state will force you to buy auto insurance -- along with an SR-22 filing. Other penalties, such as a license suspension, may also be placed against you.
Residents only: The Granite State is known for some of the cheapest auto insurance rates in the country, so to thwart those trying to commit insurance fraud by living elsewhere and insuring their vehicle here, the state requires policyholders to sign a residency statement.
The form states that the insured is a resident of New Hampshire or is not a resident but the vehicle is principally garaged here (such as at a vacation home, etc.). There is an exemption for active duty military members. Failure to sign the form will result in the cancellation of your New Hampshire auto insurance policy.
Total loss: New Hampshire laws define a total loss as when a vehicle would cost more to repair than what the vehicle is worth. Other states set the threshold as low as 75 percent.
Windshield coverage: In New Hampshire, you need a physical damage coverage such as comprehensive or glass breakage to cover a broken windshield. If you only have minimum coverages of liability, your windshield would not be covered by your policy.
Largest car insurance companies for New Hampshire by market share
||Company / Group
||Direct Premiums Written ($)
||Market Share (%)
||State Farm Group
||Progressive Insurance Group
||Liberty Mutual Insurance Companies
||Berkshire Hathaway Insurance
||Allstate Insurance Group
||Amica Mutual Group
||Concord Group Insurance Pool
||MetLife Personal Lines Group
||The Hanover Insurance Group Property & Casualty
|Source: A.M. Best market share rankings are based on direct premiums written in 2013.