Motorcycle Insurance Minimum Requirements in New Hampshire
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You don't have to carry vehicle liability insurance―or show any proof of financial responsibility―to drive your motorcycle within the state. At least, not initially.
But, the Division of Motor Vehicles (DMV) may require you to take out a SR-22 liability policy if any of the following occur:
- Being 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 DMV forces you to prove you're financially responsible enough to operate your cycle, you'll have only one way to comply: carrying acceptable levels of bodily injury and property damage SR-22 liability insurance. Most of the time, you must keep your policy active for three years, but that can vary depending on your situation.
Two-Wheeled Vehicles Defined
If you're unsure about whether your cycle is classified by the state as a motorcycle, call the DMV at (603) 271-2251.
Or, take a look at how the state defines the following:
- Moped/Scooter―A vehicle with an engine of 50 cubic centimeters or less that doesn't have more than two horsepower; it can't reach speeds of over 30 miles per hour on a flat surface, and can't shift.
If your bike exceeds these limits, it's likely considered to be motorcycle by the DMV.
Meeting the state's SR-22 insurance requirements means having 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.
Consider taking out a vehicle liability policy, even if you're not required to do so. Accidents can threaten your financial health, especially if you don't have an insurer to help carry the burden. Besides, when you're liable for an accident, the DMV can suspend your license if you can't pay for the injured party's property and medical bills.
Learn about the types of coverage available to you, and find out more about why carrying insurance can be a smart move.
How Coverage Affects Helmet Requirements
All motorcycle operators and passengers younger than 18 must wear some sort of approved safety headgear.
However, any financial responsibility requirements you may face won't be affected by whether you voluntarily wear a helmet.
Although your carrier automatically notifies the DMV if your coverage stops, you still need to keep your insurance certificate or identification card with you so that you can provide it when requested to do so.
What happens if you don't keep your insurance policy current, and have no proof of insurance?
You could face a license and registration suspension. To reinstate both, you'll have to show proof that you have the proper insurance, as well as pay any associated reinstatement fees.
In This Section
Other Topics in This Section
- Auto Insurance Requirements
New Hampshire car insurance information center. What insurance to buy in New Hampshire, how to decide, compare policies, purchase NH car insurance.
- Motorcycle Insurance Minimum Requirements
NH financial responsibility requirements for your moped, atv, scooter or motorcycle. Protect your bike and your liability in New Hampshire by purchasing motorcycle insurance.
- Commercial Auto Insurance Minimum Requirements
Commercial vehicle insurance requirements in NH. Protect your rig or your fleet by maintaining proper financial responsibility on your commercial vehicles in New Hampshire.
- Penalties For Driving Without Insurance
Learn More On Penalties For Driving Without Insurance In Your State. No Insurance Violations Vary By State. Avoid Allowing You Car Insurance Policy To Lapse.
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