New Hampshire car insurance: minimums, prices and your estimate
New Hampshire does not generally require car insurance, but after certain convictions, or a reported accident while uninsured, you must prove you can pay for damages. Any policy you buy must include uninsured motorist coverage and at least $1,000 of medical payments coverage.
- Legal minimum
- Not required (25/50/25 if insured)
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Required
- Underinsured motorist
- Required
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- Proof filing (3 years)
What drivers in New Hampshire can expect to pay
Monthly ranges from our model, anchored to New Hampshire's position in 7 published price studies from 2025 and 2026 ($1,796 a year for full coverage and $564 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $128-$171 | $1,796 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $41-$53 | $564 |
| Young driver, full coverage20, own policy, clean record | $239-$359 | $3,592 |
| Senior, full coverage70, clean record | $123-$164 | $1,724 |
| After one at-fault accident35, full coverage | $193-$256 | $2,694 |
| After a DUI35, full coverage | $225-$338 | $3,376 |
| Poor credit35, clean record, full coverage | $229-$330 | $3,359 |
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Rules worth knowing in New Hampshire
- You must show proof of financial responsibility after a reported accident while uninsured, or after convictions such as DUI, leaving the scene, vehicular assault or a second reckless-driving or excessive-speed conviction.
- Proof can be a certificate from an insurer or surety company, or a deposit of money or securities.
- Uninsured motorist coverage, including hit-and-run, automatically matches your liability limits and can be rejected only on umbrella or excess policies. It also pays when an at-fault driver's limits are lower than your uninsured motorist limits.
- Insurers cannot charge you more based solely on your credit, though credit can be one factor among several. They also cannot refuse to insure you solely because of your age, where you live or your marital status.
- In February 2026, the New Hampshire House rejected two bills that would have required insurance or other proof of financial responsibility, so buying coverage generally remains optional.
- If New Hampshire requires you to file proof of financial responsibility, the requirement generally ends 3 years after the accident, conviction or state action that triggered it, though some later events, such as a new conviction, restart the 3 years.
Questions about New Hampshire car insurance
What is the minimum car insurance in New Hampshire?
New Hampshire does not require every driver to buy car insurance, but drivers who cause a crash must be able to pay for the damage, and some drivers (for example after certain violations) must carry a policy.
How much is car insurance in New Hampshire per month?
For a 35-year-old with a clean record, our model puts full coverage at about $128 to $171 a month and state-minimum coverage at about $41 to $53. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is New Hampshire a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in New Hampshire use my credit score?
Yes. Many insurers in New Hampshire use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in New Hampshire?
Only if a court or the state requires one, usually after a serious violation or a lapse. If New Hampshire requires you to file proof of financial responsibility, the requirement generally ends 3 years after the accident, conviction or state action that triggered it, though some later events, such as a new conviction, restart the 3 years.