Car Insurance in New Hampshire

Unlike almost every other state, New Hampshire does not automatically require motorists to carry an auto liability insurance policy or provide some of financial backing in order to drive a vehicle within its boundaries.

However, you may be forced to carry liability insurance if you have:

• Been involved in an accident.

• A conviction for driving under the influence of alcohol or drugs.

• Multiple reckless driving convictions.

• A traffic violation conviction that triggers a review.

Ways to Establish Financial Responsibility

If the state does insist that you prove you're financially responsible enough to operate a vehicle, your only option is to carry acceptable levels of bodily injury and property damage SR-22 liability insurance. You'll likely have to carry the coverage for three years, although the terms vary.

New Hampshire Liability Insurance Requirements for Private Passenger Vehicles

To meet the Division of Motor Vehicle's (DMV) insurance requirements, you must have at least the following protection:

• $25,000 of coverage for injuries or death occurring to one person in an accident.

• $50,000 of coverage for injuries or deaths occurring to more than one person in an accident.

• $25,000 of property damage coverage per accident.

Those who aren't required to have this coverage should consider doing so. In fact, financial professionals recommend having much more insurance protection than this to cover your financial assets and protect your future. Accidents can be costly, and may result in lawsuits that could devastate your financial health.

Additionally, the DMV can suspend your license if you're liable for an accident and can't pay for the injured party's property and medical bills.

See our Types of Coverage section to learn about the kinds of protection available to you.

Proof of Insurance and Financial Responsibility

To prove that you're covered by acceptable levels of protection, you'll need to show your insurance certificate or identification card.

Be aware, though, that if you let your SR-22 coverage lapse, your insurer will notify the DMV.

Penalties for Failure to Maintain Financial Responsibility

What happens if you have no proof of insurance due to you not having a current policy?

Your license and registration could be suspended. You'll then have to demonstrate proof that you now are carrying acceptable levels of liability insurance, and pay any related reinstatement fees.