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New Hampshire Car Insurance

New Hampshire offers breathtaking scenery year-round with its picturesque landscapes, including the vibrant foliage of the White Mountains in the fall and the serene Contoocook River, perfect for summer activities like swimming and canoeing. With the diverse terrain and changing seasons of New Hampshire, having car insurance tailored to fit your specific needs can help you stay protected and worry-free on the road.

Amica offers customized New Hampshire car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. With YourPlan, there’s a range of options that can be tailored to meet your unique needs.

Understanding New Hampshire’s auto insurance minimums

New Hampshire is one of the few states that doesn’t require drivers to have auto insurance. New Hampshire drivers are required by law to cover the costs of bodily injury or property damage for accidents they cause.

Drivers who opt for auto insurance in New Hampshire are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $25,000 per accident 

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you're sued, your policy may also pay legal defense costs. Coverage is subject to policy limits and exclusions.

Property damage liability coverage: Coverage for damage you cause to someone else's property in an auto accident where you’re at fault. This includes the costs of repairing or replacing the other party's vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions.

In addition to the minimum liability coverage, New Hampshire also has coverages for uninsured/underinsured motorist bodily injury, uninsured property damage and medical payments, with the following minimum limits:

  • Uninsured/Underinsured Motorist Bodily Injury Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Medical Payments:
    • $1,000 per accident

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you're injured in an accident caused by a driver who’s uninsured or doesn't have enough coverage to pay for your medical bills and other expenses.

Medical payments: No-fault coverage can help pay for medical expenses for you and your passengers if you're injured in an accident. Medical payments coverage can apply to expenses including ambulance rides, hospital stays, surgery and rehabilitation.

It's important to understand that these are just the minimum limits available. New Hampshire drivers may choose higher coverage limits for added protection.

Additional New Hampshire car insurance coverage

In addition to meeting New Hampshire’s auto insurance requirements, many drivers choose to add optional coverages to help address common gaps in protection. These coverages can offer support with situations like:

  • Damage to your vehicle, including accidents and other covered losses.
  • Injuries and medical expenses following an accident, regardless of fault.
  • Support after a loss, such as transportation or roadside assistance.

Each of these coverages helps protect against different types of risk. You can add them individually or combine them in ways that match the level of protection you’re looking for. Learn more about common auto insurance coverage and how they work.

Customizing auto insurance in New Hampshire

After reviewing standard and optional coverages, you may be wondering how New Hampshire drivers typically put those choices together. YourPlan allows you to compare thoughtfully built coverage levels that are based on what drivers often select. Then, you can adjust and customize from there, choosing what feels right for your car and budget.

Essential

Core coverage that’s designed to meet the needs of many New Hampshire drivers. Essential focuses on the foundational protections you expect in a standard auto policy, including coverage for your vehicle, injuries and damage you may cause to others, and common risks you face on the road. It’s a straightforward option without added enhancements.

Advantage

Broader coverage that offers added protection for more situations. Advantage builds on Essential by including optional coverages and upgrades that go beyond a standard policy. It’s a good fit if you want extra flexibility and additional protection for things like roadside assistance or certain types of damage.

Signature

Our most complete option, with enhanced protection and added benefits. Signature includes the highest level of coverage we offer, combining broader protection, higher benefit limits and extra safeguards. It’s designed to help reduce gaps in coverage and provide more confidence if a claim is more complex or severe.

YourPlan lets you explore these approaches in more detail and customize coverage based on what you need in New Hampshire. Explore coverage options with YourPlan.

What affects your New Hampshire auto insurance rates?

There are different factors that impact the cost of auto insurance in New Hampshire, including individual circumstances, geographical location, weather patterns and more. Consider the following key points:

  • Driving history: Your driving record is fundamental when determining your New Hampshire car insurance rates. New Hampshire drivers with a history of accidents or traffic violations typically pay more because they're considered higher risk.
  • Coverage options and limits: The types and amounts of coverage you choose will impact your premium. Basic coverage is less expensive, but adding optional coverages with higher limits will increase premiums.
  • Vehicle type: The make and model of your car matters. Factors like safety ratings, repair costs and likelihood of theft influence premiums.
  • Claims in New Hampshire: The frequency and severity of claims can affect New Hampshire car insurance rates in the state. Higher rates of accidents, theft or other incidents may lead to increased premiums for all New Hampshire drivers.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings with New Hampshire auto insurance discounts

Amica offers various auto insurance discounts to help New Hampshire policyholders save money on their premiums.1 Here are some discounts that New Hampshire drivers may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: We extend discounts to policies with full-time high school or college students, ages 15-25, with a “B” average or higher.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your New Hampshire policy premium upfront.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle auto and home insurance with the same company. In fact, New Hampshire drivers who bundle their policies with Amica may qualify for a valuable multiline discount.1

Facts and figures about New Hampshire

Fun facts about New Hampshire:

  • Even though the Mount Washington Auto Road opened in 1861, paving didn’t begin until the 1970s and wasn’t completed until 2022 – a process that took nearly 50 years.2
  • The Scots-Irish settlers introduced white potatoes to the U.S., and they were first planted in New Hampshire in 1719.2
  • New Hampshire resident Levi Hutchins created the first alarm clock in 1787. The alarm went off once a day at 4 a.m.2

Facts about driving in New Hampshire:

  • In New Hampshire, if you move or change your mailing address after registering your vehicle, you’ll need to notify the DMV in writing within 30 days.3
  • Drivers in New Hampshire are legally required to remove snow and ice from their cars before hitting the road.3
  • People riding animals or animal-drawn transportation follow the same rules of the road as motor vehicles, though drivers should avoid honking to keep animals from becoming startled and creating a safety risk.3

How to get car insurance in New Hampshire

We’re here to guide you through the process of personalizing your car insurance in New Hampshire. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to New Hampshire drivers based on your unique circumstances and location.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, New Hampshire drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

AMIC-06-030427

1 Discounts not available in all states and may vary.
2 83 Important Facts About New Hampshire
3 New Hampshire Statutes: Motor Vehicle Laws  

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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