New Hampshire drivers should be aware of the specific factors that make reliable car insurance a smart choice, even in a state where having car insurance isn’t mandatory for all. Key considerations include:  

• Seasonal Weather Challenges: New Hampshire experiences harsh winters with icy roads, snowstorms, and black ice, all of which increase the risk of accidents. 
• Varied Terrain: Driving through mountainous areas or rural roads presents unique challenges, such as limited visibility and sharp turns. 
• Liability and Out-of-Pocket Costs: While car insurance isn’t legally required for all drivers in New Hampshire, being uninsured means you may face significant financial risks in the event of an accident. 

Unlike many states, New Hampshire does not mandate car insurance for all drivers, but that doesn’t mean it’s not a benefit. If you choose to purchase car insurance for New Hampshire, a basic policy typically covers liability:  

• Bodily Injury Liability: Coverage for others’ medical costs when you’re at fault. Minimum limits are $25,000 per person and $50,000 per accident. 
• Property Damage Liability: Coverage for others’ vehicles or property when you’re at fault. Minimum requirement of $25,000 per accident. 
• Uninsured/Underinsured Motorist Coverage: Must be purchased if you have liability on your policy. Coverage for your injuries if the other party doesn't have sufficient insurance. Minimum limits for this coverage reflect standard liability limits. 
  • UM/UIM does not need to be the same as your liability if you opt liability that is above the state minimum. UM/UIM cannot go below the state minimum. If you choose to have UM/UIM below your liability, you must do this in writing with your agent. 
• Medical Payments (MedPay): Helps pay for medical expenses for you and your passengers in the event of an accident. Required to have at least $1,000 limit. 

While New Hampshire doesn’t require car insurance, it is an “at-fault” state, meaning if you’re found at-fault you are responsible for covering the damages. 

To avoid paying out-of-pocket for the other party, it’s recommended to have at least a liability policy. However, additional coverage is necessary to protect yourself, your passengers, and your own vehicle in the event of an accident. 

Customizing your policy with additional coverage options can help ensure you’re prepared, no matter what the situation on the road is. These include:  

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Some drivers see the benefit of increasing their liability limits to avoid costly out-of-pocket expenses if they’re found to be at fault 

At Goosehead Insurance, we’re here to help you select and customize the right coverage that fits your driving needs or vehicle considerations, ensuring you’re protected in any situation.  

In addition to coverage selections, auto insurance rates in New Hampshire vary depending on several factors, such as:  

• Driving Record: A history of accidents or violations will raise your premiums, while a clean record results in lower rates. 
• Vehicle Type and Value: Newer or high-value cars generally cost more to insure. 
• Age and Driving Experience: Younger or less experienced drivers typically face higher insurance costs due to increased risk. 
• Commute: Providers will ask if the client commutes regularly to Massachusetts as a factor for your rates. 

There is no legal minimum requirement for New Hampshire auto insurance policies. However, drivers who opt for a minimum amount of coverage pay, on average, about $500 annually. Drivers that have more coverage on their policy pay an average of $1,700 annually. 

It’s possible to get affordable car insurance New Hampshire residents can trust without compromising on quality. Here are some tips for keeping your premiums manageable:  

• Bundle Policies: Save by combining auto insurance with home, renters, or other policies. 
• Drive Safely: Avoid accidents and tickets to lower your rates over time. 
• Explore Discounts: Many insurers offer discounts for factors like vehicle safety features, defensive driving courses, and paperless billing. 
• Shop Around Regularly: Goosehead Insurance helps you compare and find the best coverage at the best rate. 

At Goosehead Insurance, we are committed to helping New Hampshire drivers find the best coverage options. Here’s what sets us apart:  

• Access to Top Carriers: We compare policies from leading insurance companies to find the perfect match for your needs. 
• Expert Agents: Our team simplifies the process and ensures you understand your coverage options. 
• Convenient and Fast: Our streamlined system gets you insured quickly and efficiently. 
• Ongoing Support: We’re here to assist you long after you’ve secured your policy, offering help with claims and other needs.