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New Hampshire Car Insurance Rates

New Hampshire has cheap state car insurance rates. But the difference between insurance companies can be hundreds of dollars. We've got the average, highest and lowest rates from six major carriers for every ZIP code in New Hampshire below.

New Hampshire car insurance requirements

New Hampshire state law requires the following minimum car insurance coverage:
If you buy insurance, requirements include:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $25,000
Uninsured/underinsured motorist bodily injury $25,000/$50,000
Medical payments $1,000

New Hampshire Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In New Hampshire
  • 03104: $1,384
  • 03101: $1,383
  • 03109: $1,366
  • 03103: $1,364
Cheapest Neighborhoods
In New Hampshire
  • 03303: $1,038
  • 03229: $1,041
  • 03304: $1,044
  • 03301: $1,045

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What you need to know about car insurance in New Hampshire

Penny Gusner
Consumer Analyst

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 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 payment (MedPay) coverage.

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.