New Hampshire car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in New Hampshire?

Yes , New Hampshire requires that you carry at least the minimum mandatory coverage. Necessary coverage includes UIMBI, UMBI and Med 25/50 . New Hampshire doesn't require drivers to carry car insurance. However, drivers are still responsible for bodily injuries and property damage they cause. If you choose to have car insurance in New Hampshire, it must include bodily injury coverage of $25,000 per person and $50,000 per accident, $25,000 in property damage liability, and $1,000 in medical payment coverage.

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

New Hampshire car insurance laws

New Hampshire requires that drivers carry at least 25/50/25.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, New Hampshire drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

New Hampshire car insurance requirements

New Hampshire requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

New Hampshire liability minimums are 25/50/25.

Medical payments (MedPay). MedPay is similar to PIP but covers fewer types of medical costs. For example, MedPay will pay for doctor visits but not lost wages. MedPay also pays for injuries to others, such as pedestrians and bicyclists, who are hurt in an accident.

New Hampshire MedPay requirements are $1,000.

Uninsured/Underinsured motorist coverage (UM/UIM). Uninsured and underinsured motorist coverageAn auto insurance coverage that pays for injuries or damage if you're in an accident with a driver who has no insurance or not enough insurance. helps pay for your medical costs and property damage if the at-fault driver has little or no car insurance. Your insurer would cover expenses up to your limits in addition to any payments from the other insurer.

New Hampshire requires uninsured motorist coverage of 25/50.

The average cost of a minimum coverage policy is $397. However, The Hanover has the lowest minimum car insurance rates, averaging $191.

The table below shows the top insurers' average rates for minimum coverage in New Hampshire.

Company	Average annual premium	Average monthly premium
The Hanover	$191	$16
Auto-Owners	$222	$18
MMG Insurance	$242	$20
State Farm	$306	$26
Geico	$361	$30
Progressive	$417	$35
Farmers	$507	$42
Nationwide	$686	$57
Allstate	$808	$67
USAA	$232	$19

Read our methodology

New Hampshire car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $397. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in New Hampshire.

The cheapest company for minimum coverage in New Hampshire is The Hanover at an average rate of $191 annually.

State minimum coverage limit	25/50/25
Average annual premium	$397
Average monthly premium	$33

Read our methodology

Are the New Hampshire minimum coverage requirements changing in 2025?

New Hampshire car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in New Hampshire?

New Hampshire requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

New Hampshire drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

New Hampshire is a no-fault state, meaning your insurer pays for your injuries and damages regardless of who caused the accident. The law requires you to carry personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) to pay medical costs, such as doctor visits and prescriptions.

Uninsured and underinsured motorist coverage is also required. Uninsured motorist coverage helps pay for coverage when the at-fault driver doesn't have car insurance, and underinsured coverage assists when the at-fault driver doesn't have enough car insurance to cover injury and property damage costs. Without these coverages, you would have to pay for medical and repair costs that the other driver's insurance didn't cover. You may be able to opt out of this coverage.

PEOPLE ASK:

Is New Hampshire minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/25, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in New Hampshire?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

New Hampshire penalties for driving without car insurance

Since New Hampshire requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry New Hampshire car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$125
Other penalties	License suspension
Jail time	No

Read our methodology

New Hampshire minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. The Hanover has the best rates for teens with minimum coverage averaging $436. The Hanover offers the cheapest coverage for adults at $192.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $400, and the average rate for a 40-year-old male is $394, a difference of $6.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	The Hanover	$538	$45
16	Auto-Owners	$755	$63
16	MMG Insurance	$1,318	$110
16	Geico	$1,390	$116
16	State Farm	$1,574	$131
16	Progressive	$2,307	$192
16	Farmers	$2,587	$216
16	Nationwide	$2,591	$216
16	Allstate	$2,761	$230
17	The Hanover	$459	$38
17	Auto-Owners	$676	$56
17	MMG Insurance	$1,058	$88
17	Geico	$1,074	$90
17	State Farm	$1,378	$115
17	Progressive	$2,029	$169
17	Allstate	$2,127	$177
17	Nationwide	$2,534	$211
17	Farmers	$2,587	$216
18	The Hanover	$401	$33
18	Auto-Owners	$614	$51
18	MMG Insurance	$924	$77
18	Geico	$968	$81
18	State Farm	$1,105	$92
18	Allstate	$1,634	$136
18	Progressive	$1,702	$142
18	Farmers	$2,269	$189
18	Nationwide	$2,352	$196
19	The Hanover	$353	$29
19	Auto-Owners	$530	$44
19	Geico	$793	$66
19	State Farm	$823	$69
19	MMG Insurance	$844	$70
19	Progressive	$1,000	$83
19	Allstate	$1,441	$120
19	Farmers	$1,463	$122
19	Nationwide	$2,024	$169
20	The Hanover	$315	$26
20	Auto-Owners	$485	$40
20	Geico	$693	$58
20	State Farm	$708	$59
20	MMG Insurance	$771	$64
20	Progressive	$882	$74
20	Allstate	$1,288	$107
20	Farmers	$1,451	$121
20	Nationwide	$1,641	$137
21	The Hanover	$284	$24
21	Auto-Owners	$445	$37
21	Geico	$531	$44
21	State Farm	$599	$50
21	Progressive	$690	$58
21	MMG Insurance	$696	$58
21	Nationwide	$1,110	$93
21	Allstate	$1,115	$93
21	Farmers	$1,244	$104
22	The Hanover	$259	$22
22	Auto-Owners	$413	$34
22	Geico	$482	$40
22	State Farm	$536	$45
22	MMG Insurance	$625	$52
22	Progressive	$630	$53
22	Farmers	$991	$83
22	Nationwide	$994	$83
22	Allstate	$1,020	$85
23	The Hanover	$239	$20
23	Auto-Owners	$384	$32
23	Geico	$452	$38
23	State Farm	$469	$39
23	MMG Insurance	$560	$47
23	Progressive	$576	$48
23	Nationwide	$933	$78
23	Farmers	$952	$79
23	Allstate	$970	$81
24	The Hanover	$225	$19
24	Auto-Owners	$358	$30
24	State Farm	$413	$34
24	Geico	$432	$36
24	MMG Insurance	$504	$42
24	Progressive	$531	$44
24	Farmers	$868	$72
24	Nationwide	$884	$74
24	Allstate	$927	$77
25	The Hanover	$213	$18
25	Auto-Owners	$336	$28
25	State Farm	$367	$31
25	Geico	$419	$35
25	MMG Insurance	$455	$38
25	Progressive	$459	$38
25	Farmers	$668	$56
25	Nationwide	$790	$66
25	Allstate	$889	$74
30	The Hanover	$185	$15
30	Auto-Owners	$278	$23
30	State Farm	$305	$25
30	MMG Insurance	$342	$29
30	Geico	$346	$29
30	Progressive	$418	$35
30	Farmers	$518	$43
30	Nationwide	$702	$59
30	Allstate	$819	$68
35	The Hanover	$181	$15
35	Auto-Owners	$248	$21
35	MMG Insurance	$286	$24
35	State Farm	$301	$25
35	Geico	$343	$29
35	Progressive	$409	$34
35	Farmers	$505	$42
35	Nationwide	$690	$58
35	Allstate	$816	$68
40	The Hanover	$183	$15
40	Auto-Owners	$230	$19
40	MMG Insurance	$261	$22
40	State Farm	$306	$26
40	Geico	$346	$29
40	Progressive	$404	$34
40	Farmers	$501	$42
40	Nationwide	$675	$56
40	Allstate	$808	$67
45	The Hanover	$184	$15
45	Auto-Owners	$219	$18
45	MMG Insurance	$248	$21
45	State Farm	$308	$26
45	Geico	$345	$29
45	Progressive	$403	$34
45	Farmers	$557	$46
45	Nationwide	$675	$56
45	Allstate	$801	$67
50	The Hanover	$183	$15
50	Auto-Owners	$214	$18
50	MMG Insurance	$239	$20
50	State Farm	$304	$25
50	Geico	$366	$31
50	Progressive	$396	$33
50	Farmers	$525	$44
50	Nationwide	$661	$55
50	Allstate	$799	$67
55	The Hanover	$180	$15
55	Auto-Owners	$214	$18
55	MMG Insurance	$240	$20
55	State Farm	$296	$25
55	Geico	$365	$30
55	Progressive	$400	$33
55	Farmers	$502	$42
55	Nationwide	$630	$53
55	Allstate	$799	$67
60	The Hanover	$179	$15
60	Auto-Owners	$218	$18
60	MMG Insurance	$248	$21
60	State Farm	$289	$24
60	Geico	$369	$31
60	Progressive	$402	$34
60	Farmers	$500	$42
60	Nationwide	$589	$49
60	Allstate	$832	$69
65	The Hanover	$184	$15
65	Auto-Owners	$227	$19
65	MMG Insurance	$280	$23
65	State Farm	$289	$24
65	Geico	$380	$32
65	Progressive	$423	$35
65	Farmers	$502	$42
65	Nationwide	$623	$52
65	Allstate	$865	$72
70	The Hanover	$214	$18
70	Auto-Owners	$244	$20
70	State Farm	$304	$25
70	MMG Insurance	$343	$29
70	Geico	$419	$35
70	Progressive	$453	$38
70	Farmers	$619	$52
70	Nationwide	$718	$60
70	Allstate	$922	$77
75	The Hanover	$247	$21
75	Auto-Owners	$298	$25
75	State Farm	$336	$28
75	MMG Insurance	$428	$36
75	Geico	$486	$41
75	Progressive	$542	$45
75	Farmers	$651	$54
75	Nationwide	$805	$67
75	Allstate	$1,005	$84
16	USAA	$1,547	$129
17	USAA	$1,043	$87
18	USAA	$875	$73
19	USAA	$555	$46
20	USAA	$505	$42
21	USAA	$418	$35
22	USAA	$387	$32
23	USAA	$361	$30
24	USAA	$341	$28
25	USAA	$304	$25
30	USAA	$244	$20
35	USAA	$229	$19
40	USAA	$228	$19
45	USAA	$224	$19
50	USAA	$220	$18
55	USAA	$220	$18
60	USAA	$221	$18
65	USAA	$238	$20
70	USAA	$273	$23
75	USAA	$347	$29

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	The Hanover	$532	$44
16	Auto-Owners	$712	$59
16	MMG Insurance	$1,118	$93
16	Geico	$1,397	$116
16	State Farm	$1,271	$106
16	Progressive	$2,174	$181
16	Farmers	$2,301	$192
16	Nationwide	$2,131	$178
16	Allstate	$2,761	$230
17	The Hanover	$455	$38
17	Auto-Owners	$634	$53
17	MMG Insurance	$900	$75
17	Geico	$1,086	$91
17	State Farm	$1,113	$93
17	Progressive	$1,904	$159
17	Allstate	$2,127	$177
17	Nationwide	$2,090	$174
17	Farmers	$2,301	$192
18	The Hanover	$399	$33
18	Auto-Owners	$573	$48
18	MMG Insurance	$784	$65
18	Geico	$998	$83
18	State Farm	$889	$74
18	Allstate	$1,634	$136
18	Progressive	$1,597	$133
18	Farmers	$2,017	$168
18	Nationwide	$1,944	$162
19	The Hanover	$357	$30
19	Auto-Owners	$493	$41
19	Geico	$825	$69
19	State Farm	$670	$56
19	MMG Insurance	$717	$60
19	Progressive	$936	$78
19	Allstate	$1,441	$120
19	Farmers	$1,271	$106
19	Nationwide	$1,679	$140
20	The Hanover	$324	$27
20	Auto-Owners	$450	$38
20	Geico	$707	$59
20	State Farm	$588	$49
20	MMG Insurance	$656	$55
20	Progressive	$841	$70
20	Allstate	$1,288	$107
20	Farmers	$1,241	$103
20	Nationwide	$1,436	$120
21	The Hanover	$295	$25
21	Auto-Owners	$410	$34
21	Geico	$562	$47
21	State Farm	$509	$42
21	Progressive	$680	$57
21	MMG Insurance	$595	$50
21	Nationwide	$1,018	$85
21	Allstate	$1,115	$93
21	Farmers	$1,053	$88
22	The Hanover	$272	$23
22	Auto-Owners	$380	$32
22	Geico	$507	$42
22	State Farm	$465	$39
22	MMG Insurance	$534	$45
22	Progressive	$632	$53
22	Farmers	$846	$71
22	Nationwide	$919	$77
22	Allstate	$1,020	$85
23	The Hanover	$254	$21
23	Auto-Owners	$353	$29
23	Geico	$493	$41
23	State Farm	$411	$34
23	MMG Insurance	$476	$40
23	Progressive	$575	$48
23	Nationwide	$869	$72
23	Farmers	$813	$68
23	Allstate	$970	$81
24	The Hanover	$242	$20
24	Auto-Owners	$329	$27
24	State Farm	$375	$31
24	Geico	$480	$40
24	MMG Insurance	$431	$36
24	Progressive	$539	$45
24	Farmers	$740	$62
24	Nationwide	$825	$69
24	Allstate	$927	$77
25	The Hanover	$230	$19
25	Auto-Owners	$308	$26
25	State Farm	$340	$28
25	Geico	$460	$38
25	MMG Insurance	$387	$32
25	Progressive	$479	$40
25	Farmers	$629	$52
25	Nationwide	$766	$64
25	Allstate	$889	$74
30	The Hanover	$207	$17
30	Auto-Owners	$256	$21
30	State Farm	$305	$25
30	MMG Insurance	$289	$24
30	Geico	$379	$32
30	Progressive	$445	$37
30	Farmers	$495	$41
30	Nationwide	$708	$59
30	Allstate	$819	$68
35	The Hanover	$202	$17
35	Auto-Owners	$230	$19
35	MMG Insurance	$243	$20
35	State Farm	$301	$25
35	Geico	$379	$32
35	Progressive	$440	$37
35	Farmers	$520	$43
35	Nationwide	$701	$58
35	Allstate	$816	$68
40	The Hanover	$200	$17
40	Auto-Owners	$214	$18
40	MMG Insurance	$224	$19
40	State Farm	$306	$26
40	Geico	$377	$31
40	Progressive	$429	$36
40	Farmers	$513	$43
40	Nationwide	$698	$58
40	Allstate	$808	$67
45	The Hanover	$197	$16
45	Auto-Owners	$205	$17
45	MMG Insurance	$210	$18
45	State Farm	$308	$26
45	Geico	$373	$31
45	Progressive	$427	$36
45	Farmers	$567	$47
45	Nationwide	$681	$57
45	Allstate	$801	$67
50	The Hanover	$190	$16
50	Auto-Owners	$201	$17
50	MMG Insurance	$203	$17
50	State Farm	$304	$25
50	Geico	$398	$33
50	Progressive	$410	$34
50	Farmers	$541	$45
50	Nationwide	$660	$55
50	Allstate	$799	$67
55	The Hanover	$181	$15
55	Auto-Owners	$200	$17
55	MMG Insurance	$203	$17
55	State Farm	$296	$25
55	Geico	$398	$33
55	Progressive	$401	$33
55	Farmers	$510	$43
55	Nationwide	$639	$53
55	Allstate	$799	$67
60	The Hanover	$174	$15
60	Auto-Owners	$204	$17
60	MMG Insurance	$210	$18
60	State Farm	$289	$24
60	Geico	$397	$33
60	Progressive	$403	$34
60	Farmers	$511	$43
60	Nationwide	$601	$50
60	Allstate	$832	$69
65	The Hanover	$171	$14
65	Auto-Owners	$212	$18
65	MMG Insurance	$238	$20
65	State Farm	$289	$24
65	Geico	$401	$33
65	Progressive	$425	$35
65	Farmers	$558	$47
65	Nationwide	$617	$51
65	Allstate	$865	$72
70	The Hanover	$193	$16
70	Auto-Owners	$227	$19
70	State Farm	$304	$25
70	MMG Insurance	$292	$24
70	Geico	$426	$36
70	Progressive	$455	$38
70	Farmers	$687	$57
70	Nationwide	$694	$58
70	Allstate	$922	$77
75	The Hanover	$216	$18
75	Auto-Owners	$276	$23
75	State Farm	$336	$28
75	MMG Insurance	$362	$30
75	Geico	$472	$39
75	Progressive	$501	$42
75	Farmers	$751	$63
75	Nationwide	$729	$61
75	Allstate	$1,005	$84
16	USAA	$1,388	$116
17	USAA	$954	$80
18	USAA	$813	$68
19	USAA	$532	$44
20	USAA	$470	$39
21	USAA	$394	$33
22	USAA	$368	$31
23	USAA	$349	$29
24	USAA	$332	$28
25	USAA	$299	$25
30	USAA	$252	$21
35	USAA	$245	$20
40	USAA	$237	$20
45	USAA	$231	$19
50	USAA	$227	$19
55	USAA	$227	$19
60	USAA	$230	$19
65	USAA	$243	$20
70	USAA	$272	$23
75	USAA	$338	$28

Read our methodology

New Hampshire minimum coverage cost by city

Lebanon drivers pay the least for minimum coverage in New Hampshire at $370. However, Manchester pay the most at $508.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in New Hampshire.

City	Average annual premium	Average monthly premium
Lebanon	$370	$31
Claremont	$372	$31
Keene	$376	$31
Laconia	$404	$34
Concord	$409	$34
Rochester	$418	$35
Portsmouth	$419	$35
Dover	$428	$36
Nashua	$459	$38
Manchester	$508	$42

Read our methodology

Optional car insurance coverage in New Hampshire

New Hampshire requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

New Hampshire car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in New Hampshire?

Yes, New Hampshire requires that you carry at least the minimum mandatory coverage. Necessary coverage includes UIMBI, UMBI and Med 25/50.

New Hampshire doesn't require drivers to carry car insurance. However, drivers are still responsible for bodily injuries and property damage they cause. If you choose to have car insurance in New Hampshire, it must include bodily injury coverage of $25,000 per person and $50,000 per accident, $25,000 in property damage liability, and $1,000 in medical payment coverage.