Car insurance in New Hampshire
New Hampshire is an at-fault state with a minimum liability requirement of 25/50/25. Here's what that means, what it costs, and what to check before you buy.
What the minimums actually mean
New Hampshire is the only US state that does not mandate auto insurance for most drivers - instead, drivers must demonstrate financial responsibility (insurance, a bond, or sufficient assets), which becomes a hard requirement after an at-fault accident or certain violations. For drivers who are required to (or choose to) carry insurance, the standard minimums are $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.
Any auto policy actually issued in New Hampshire must include UM coverage of at least 25/50. UNCERTAIN: a distinct UIM mandate/limit separate from the UM requirement could not be independently confirmed - verify against NH RSA 264:15 before publishing as fact.
Estimated cost
$466 a year for minimum coverage, $1,694 for full coverage2
Average annual premiums in New Hampshire for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.
Why this is an average, not a quote
SR-22 & high-risk filings
Despite having no blanket insurance mandate, New Hampshire does require SR-22 filings after a DWI/DUI conviction or a financial-responsibility-law violation (such as an at-fault accident while uninsured), typically for about 3 years.
Local conditions worth knowing
New Hampshire's 'Live Free or Die' approach extends to being the only state without a compulsory auto insurance law, though it still has relatively low uninsured-driver rates because financial-responsibility exposure after an at-fault accident is severe.
Frequently asked
- What is the minimum car insurance requirement in New Hampshire?
- New Hampshire requires liability limits of at least 25/50/25. New Hampshire is the only US state that does not mandate auto insurance for most drivers - instead, drivers must demonstrate financial responsibility (insurance, a bond, or sufficient assets), which becomes a hard requirement after an at-fault accident or certain violations. For drivers who are required to (or choose to) carry insurance, the standard minimums are $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.
- Is New Hampshire an at-fault or no-fault state?
- New Hampshire is an at-fault state for car insurance claims.
- Do I need an SR-22 in New Hampshire?
- Despite having no blanket insurance mandate, New Hampshire does require SR-22 filings after a DWI/DUI conviction or a financial-responsibility-law violation (such as an at-fault accident while uninsured), typically for about 3 years.
- Is uninsured motorist coverage required in New Hampshire?
- Any auto policy actually issued in New Hampshire must include UM coverage of at least 25/50. UNCERTAIN: a distinct UIM mandate/limit separate from the UM requirement could not be independently confirmed - verify against NH RSA 264:15 before publishing as fact.
Sources
- MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
- Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.
Figures checked against these sources on October 2, 2026.
See what fits your situation in New Hampshire
Two minutes, no phone number required until the last step.
Start the match →