New Hampshire Car Insurance Requirements (Updated for 2025)
New Hampshire is unique—car insurance is not required for all drivers. However, if you’re involved in an accident or convicted of certain violations, you must prove financial responsibility or carry insurance.
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Minimum Liability Coverage in New Hampshire
If you choose to purchase insurance, state law requires these minimums:
- Bodily Injury: $25,000 per person / $50,000 per accident
- Property Damage: $25,000 per accident
- Medical Payments (MedPay): $1,000 per person
- Uninsured/Underinsured Motorist: $25,000 per person / $50,000 per accident
Drivers who do not purchase insurance must still prove financial responsibility if at fault in a crash.
Alternative Proof of Financial Responsibility
New Hampshire allows you to drive without insurance if you can cover all damages in an at-fault crash. If you can’t, you may face license suspension and be required to file an SR-22.
SR-22 Requirement
After certain violations (like uninsured accidents or DUIs), you must carry insurance and file an SR-22—proof of financial responsibility—for at least 3 years.
Optional Coverages to Consider
- Collision Coverage
- Comprehensive Coverage
- Medical Payments (higher limits)
- Roadside Assistance
- Rental Reimbursement
Proof of Insurance or Responsibility
If you’re required to have insurance (due to an SR-22 or crash), you must carry proof—paper or electronic—and show it to law enforcement or the DMV on request.
Penalties for Not Complying
- License Suspension: If you fail to pay for crash damages
- SR-22 Filing: Required after uninsured accidents or major violations
- Reinstatement Fees: Apply if your license is suspended
Compare Auto Insurance Quotes in New Hampshire
Even though it’s not mandatory, insurance can protect your assets and prevent license issues. Use the tool below to compare rates from top New Hampshire insurers:
FAQs
Is car insurance required in New Hampshire?
No—but you must be financially responsible if you cause an accident or commit certain violations.
What is the SR-22 in New Hampshire?
An SR-22 is proof of financial responsibility required for high-risk drivers—usually filed by your insurer with the state.
Can I drive without insurance in New Hampshire?
Yes, but you must pay for all damages if you’re at fault in a crash. Otherwise, you may face license suspension.