Auto Insurance for New Hampshire

Whether you’re a new resident of New Hampshire or have lived in the “Granite State” for the entirety of your life, having auto insurance for your car or truck is important. Although New Hampshire motor vehicle laws don’t currently require drivers to carry auto insurance, the law does require you to meet certain minimum financial responsibility  requirements. This means that if you choose to forego auto insurance, you need to be able to show that you have the ability to independently pay for a certain amount of damages for bodily injury, death and property damage in the event that you are found at fault for an accident. Obtaining auto insurance is a smart way to both satisfy the financial responsibility requirements and to help protect your personal assets. Keep reading for some general information that may be useful for you as you shop for this coverage.

aerial view of vehicles driving in new hampshire town

Insurance Coverages for Your NH Vehicle

Most automobile insurance policies have a number of different coverage options available. Some of these coverage options include, but are not limited to, the following.

Liability Coverage for New Hampshire Drivers

 Liability coverage is one way to satisfy New Hampshire’s “financial responsibility” requirements. If you choose to purchase car insurance in New Hampshire, you have to include liability coverage in an amount that meets or exceeds a certain minimum limit set by statute. This coverage applies when you are responsible for having caused an accident, and, subject to policy limits, it can help to pay for the property damage, medical bills, pain and suffering, lost income and certain other damages that you cause to the other party. It can also help to pay for legal fees that you incur as a result of litigation arising out of a covered claim.

Collision Coverage

Collision coverage applies when you are involved in an accident with another vehicle. Subject to policy limits and conditions, collision coverage can help to cover the costs of repairs, and possibly even to replace, your vehicle in the event of a covered accident. If you are financing or leasing a new vehicle, the majority of all lenders will require you to have collision coverage as a condition of the loan or lease agreement.

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Comprehensive Coverage

Comprehensive coverage applies when your vehicle is damaged by something other than an accident with another automobile – such as an accident with an animal, damage from hail, fire or certain “Acts of God”, or vandalism.  Similar to collision coverage, comprehensive coverage helps to pay for the costs incurred in repairing or replacing your vehicle in the event of a covered event (subject, of course, to policy limits and conditions). Many lenders also require comprehensive coverage as part of financing a new vehicle or a lease agreement. 

Uninsured and Underinsured Motorist Coverage for NH

According to a study completed in 2023 by the Insurance Research Council, almost 8% of New Hampshire motorists were uninsured. An accident can be stressful enough, even before finding out the other party is uninsured or underinsured. Uninsured Motorist (“UM”) coverage and Underinsured Motorist (“UIM”) coverage are two separate but related coverages that are designed to help in such a circumstance. UM coverage applies when the at-fault driver lacks any automobile liability insurance, and UIM coverage applies when the at-fault driver has some auto liability insurance but in an amount that is less than your UIM coverage limits. UM and UIM benefits can be used to pay for your medical bills, property damage, pain and suffering and other damages caused by the negligent driver. If you decide to purchase car insurance in New Hampshire, you are required to have UM/UIM coverage in an amount that equals or exceeds your liability coverage limits.

Medical Payments Coverage

This type of coverage helps to pay for medical bills, up to coverage limits, for medical care and treatment that someone receives due to an automobile accident regardless of who is at fault.  If you purchase car insurance in New Hampshire, you must include Medical Payments coverage in an amount that meets or exceeds a certain minimum limit set by statute. 

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Do Cars or Trucks Cost More to Insure?

Every insurance company looks at a variety of factors to determine insurance rates. For example, companies look at a variety of factors such as safety ratings, vehicle weight, size, and potential damage the vehicle could inflict if involved in an incident when determining insurance rates. As a result, the average truck typically costs more to insure than the average sedan, in light of their size and capability of imposing a higher amount of damage. The following is a non-exhaustive list of factors that may go into consideration when determining insurance costs for your car or truck.

  • The make and model of your vehicle. A newer and more expensive vehicle will typically tend to raise your rates compared to an older vehicle.
  • The location where you live in will also affect your quote.
  • Where and how much will you be driving your new vehicle? Will you be using your vehicle for daily use such as to and from work, or for commercial purposes?
  • The age, gender, marital status, and education of the driver can also affect your quote.
  • Your personal driving record will also factor into your costs. Having prior tickets, violations or accidents can potentially raise your rates.

You should connect with an agent to discuss the unique features of your vehicle and to request a quote today.



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.


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