New Hampshirites take their state motto “Live Free or Die” seriously. So seriously, in fact, that it’s the only state that doesn’t require you to have car insurance to drive. But that doesn’t mean you’re free and clear if an accident occurs.
Keep reading to find out how car insurance in New Hampshire works, what your options are, and what you can expect to pay (spoiler alert: it’s cheaper than you might think).
Let’s get started.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
New Hampshire is the only state in the U.S. where car insurance isn’t required. So, end of the blog post, right?
Wrong. The fact of the matter is that even though car insurance may not be required, drivers are still fully responsible for any damages they cause in an accident. This can quickly add up to tens of thousands of dollars when you consider vehicle repairs, medical bills, and legal fees/damages if you’re sued.
You need to be able to prove that you have sufficient funds to pay for damages in an at-fault accident. One of the ways to prove this is with car insurance. And if you can’t show financial responsibility, you will need to get car insurance otherwise.
Other states require you to have car insurance to help ensure you can pay for damages you cause in an accident. In New Hampshire, it’s up to the driver to figure out how to pay if they forego car insurance.
However, not all drivers can get away with no car insurance. If you fall into one of these categories, you’re going to need to pony up proof of insurance:
For many, it’s just simpler to have car insurance in place. And if you go that route, we’ll show you how.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
If you decide to get more coverage than the minimums, you’ll be doing yourself a favor. After all, if you get into an accident, it’s more likely to be fully covered.
And here’s what’s most interesting: even though car insurance isn’t required in New Hampshire, it’s not one of the states with the highest number of uninsured drivers. In fact, it actually tops the list of states with the lowest number of uninsured drivers.
New Hampshirites value car insurance, it’s clear. So if you want to build out your coverage, here are your options:
Some people stop there, but if you want to further customize your car insurance policy, consider adding these optional add-ons:
These options help give a little more peace of mind and financial protection, but if they don’t serve you, no sweat. New Hampshire is all about doing things your way, and that includes car insurance.
You already know that the average cost of minimum car insurance in New Hampshire is $319, which is much lower than the national average. So, how does full coverage compare?
If you splurge on full coverage (liability, comprehensive, collision, and MedPay in this case), you can expect to spend about $1,262 per year on average.
This can vary significantly based on many factors, including:
For example, all other things being equal, living in different cities in New Hampshire can cause a major difference in your full coverage rates:
You can’t always control these factors. But if you’re considering moving to New Hampshire or changing cities, it could benefit you to do a little research on the cities with the lowest car insurance rates to help you save.
While you’re at it, if you’re in the market for a new car, certain makes and models pay lower rates. This is because they’re either highly rated for safety or because they aren’t a commonly stolen model. Either option will help you put more money back in your pocket.
More money-saving tips next. In the meantime, get access to free quotes here to see what you can expect to pay for car insurance.
New Hampshire car insurance is affordable. More affordable than most states, in fact. But that doesn’t mean that you should settle for the first quote you get.
We’ve rounded up our top money-saving tricks to help you spend even less on car insurance:
There are car insurance savings to be had, even in a state like New Hampshire that’s known for low rates. A little homework is all it takes, and you’ll be laughing your way to the bank.
Find even more money-saving tips here.
You don’t need to have car insurance in New Hampshire. But it’s a good idea. After all, it protects you financially should the unexpected happen, which can take place in the blink of an eye.
If you’re interested in seeing what car insurance might cost you, it doesn’t hurt to gather some quotes. This way, you can make an informed decision and save a little money while you’re at it.
Start by getting access to free car insurance quotes here. When it matters, we’ve got you covered.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Claire Smith Claire is a creative entrepreneur with a variety of marketing and content creation skills, including blog and web copy writing, research, and strategy. She has a Masters in Cultural Studies from Queen's University and is known for thinking laterally about marketing, based on her deep knowledge of people and behavior.
