What the law requires
New Hampshire requires minimum bodily injury and property damage liability of Optional. Auto insurance is not mandatory, but financial responsibility laws still apply.
What most experts recommend
State minimums rarely cover the full cost of a serious accident. Modern medical bills and vehicle repairs can quickly exceed those numbers, exposing your wages and savings to a lawsuit. A widely cited baseline for drivers with normal incomes is 100/300/100. If you own a home or have meaningful savings, consider 250/500/250 paired with an umbrella policy.
Coverages worth adding
- Uninsured / underinsured motorist — protects you if the at-fault driver has no insurance or not enough.
- Collision & comprehensive — required by lenders; optional once your car is paid off.
- Medical payments / PIP — covers deductibles and copays after a crash.
- Umbrella — extends liability across auto and home for a few hundred dollars a year.
How to lower your premium in New Hampshire
- Bundle auto with renters or homeowners insurance.
- Raise deductibles you can comfortably absorb.
- Ask about telematics or low-mileage discounts.
- Compare three quotes at every renewal — pricing varies widely by carrier.
This information is educational and may change as state laws are updated. Always verify current requirements with your state insurance department.