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Minimum State Insurance Requirements » New Hampshire

25 / 50 / 25

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $25,000



New Hampshire Car Insurance Information

While car insurance is not required for many New Hampshire drivers, the geography and conditions in the state make adequate coverage important for personal protection. Obtaining New Hampshire car insurance information and comparing rates at several car insurance companies will give the best coverage at the best price.

New Hampshire Car Insurance Information

New Hampshire is filled with beautiful mountains, forests and lakes, as well as a coastal area. These areas are wonderful places for locals as well as tourists to enjoy outdoor activities all year long, including skiing and camping. Wild life are also frequently spotted in these natural areas. While beautiful, roads in these areas can be dangerous to travel on, particularly in the winter. Snow and ice create slippery roads in the winter, making for particularly treacherous conditions on mountain roads. Wildlife also pose a hazard to drivers, with the risk of hitting an animal that has run out into the road. Because of these factors, it is important for New Hampshire residents to maintain adequate car insurance coverage. Fortunately, the cost of coverage in New Hampshire is fairly low when compared to other states, falling in the lower half when comparing the average cost of car insurance in all states.

Car Insurance Minimum Requirements

New Hampshire is unique because in most cases, state law does not require drivers to carry insurance. For certain drivers, however, liability coverage is required. Drivers with convictions like driving under the influence or those who have been involved in an accident are required to carry a minimum amount of liability coverage. The amounts are still low when compared with requirements in other states. Drivers who must maintain liability coverage must carry just $15,000 in injury liability per person, $30,000 in injury liability per accident and only $5,000 in property damage coverage. These requirements might contribute to the lower average cost of car insurance in the state, but drivers should carefully consider whether these amounts are enough coverage for them.

Car Insurance Companies

New Hampshire is a small state, but there are still a large number of car insurance companies to choose from. In New Hampshire, while liability coverage is not required of many drivers, liability laws are such that if you are at fault in an accident you are personally responsible for any related costs. In order to protect themselves financially, all drivers should carry adequate liability coverage. Other types of coverage such as collision and comprehensive coverage is also a good idea for New Hampshire drivers. The need for coverage for personal protection is the likely reason for so many car insurance companies in this state.

Free Car Insurance Quotes for New Hampshire

New Hampshire drivers can get a free car insurance quote today by visiting [Freecarinsurancequotesonline] today and entering their zip code. Carrying adequate car insurance will allow you to travel throughout the beautiful state without worrying about being held financially responsibly in the event of an accident.

Car Insurance Rates

The average annual premium for car insurance in New Hampshire is just $1,145 per year, putting it fairly low on the list when stacked up against averages in other states. Maintaining a clean driving record and shopping around using free car insurance quotes will help you score the lowest rate possible.