Leasing or financing a car Although New Hampshire doesn’t mandate car insurance, if you lease or finance a vehicle, your lender will require you to have a full coverage policy in place.
Keep in mind that car insurance rates are calculated
based on factors like your age, gender, ZIP code, driving record, and the specific make and model of your car. The best and most convenient way to find the right coverage for you is to compare costs between several insurance companies. With Jerry, you can see insurance quotes for both full coverage and high liability options to help weigh all your options.
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Optional coverages in New Hampshire
While all insurance coverage is optional for most people in New Hampshire, here are some policies that can complement the usual liability, uninsured motorist, and MedPay coverage:
Roadside assistance
: Sometimes known as towing and labor coverage, roadside assistance can cover everything from fixing a flat tire to jumpstarting a vehicle, remedying lockouts, and towing to a repair shop.Rental car reimbursement
: This type of coverage pays for the cost of a rental vehicle up to your policy limits while your car is being repaired.Personal injury protection (PIP)
: Similar to MedPay, PIP covers medical costs or medical bills associated with an accident—but comes with more coverage. This includes lost wages and rehabilitation services, whereas MedPay only pays for hospital bills and funeral expenses.Accident forgiveness
: This add-on isn’t available across all insurance providers, but if your company does have it, they will generally ‘forgive’ your first accident and save you from a surcharge.
Penalties for uninsured drivers
As New Hampshire state law doesn’t mandate car insurance, there are no penalties associated with driving without insurance
. But under New Hampshire’s motor vehicle financial responsibility law, you could face serious penalties if you cause an accident while uninsured, including: Driver’s license suspension
Vehicle registration suspension
$100 license reinstatement fee
In addition, you will be required to purchase the minimum auto insurance amounts.
FAQS
Is car insurance high in New Hampshire?
On average, drivers in New Hampshire pay around $1,636 per year for the state minimum insurance. For a full coverage policy, motorists generally pay $1,668 annually. While New Hampshire drivers do pay more than the national average for minimum insurance, they pay less than the average for full coverage.
Is New Hampshire the only state that doesn’t require car insurance?
Yes, currently, New Hampshire is the only state that does not mandate car insurance.
Is New Hampshire a no-fault state?
No. New Hampshire is considered an at-fault state, meaning that at-fault drivers are responsible for the other party’s medical and property damage costs.