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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, drivers face various risks and challenges on the road. Having car insurance tailored to fit your specific needs can provide the peace of mind and financial security necessary to enjoy all that the Granite State has to offer without worrying about potential accidents or unforeseen events.

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. Instead, take the time to get a customized quote that meets your unique coverage needs.

Understanding New Hampshire’s auto insurance minimums

New Hampshire is one of the few states that doesn’t require drivers to have 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
  • Uninsured Motorist Property Damage Coverage:
    • $10,000 per accident, with a $150 deductible in uninsured motorist property damage
  • 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.

Uninsured motorist property damage coverage: Helps protect your vehicle if it’s damaged in an accident caused by an uninsured driver or by a hit-and-run driver who cannot be identified.

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

Opting for additional auto insurance coverage beyond the mandated minimums in New Hampshire can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider: 

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it's damaged in a collision with another vehicle or object.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from mud or snow.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows, and other auto glass, without a deductible.

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. 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.
    • o   Defensive driver training: Taking an approved driver safety course can earn you 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.

If you're a New Hampshire driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 30% with a multiline discount.

Facts and figures about New Hampshire

Fun facts about New Hampshire:

  • Since 1960, the voters in Dixville Notch cast their votes at midnight.1
  • The Scottish introduced potatoes to the U.S., and they were first planted in New Hampshire.1
  • New Hampshire resident Levi Hutchins created the first alarm clock in 1787.1

Facts about driving in New Hampshire:

  • New Hampshire has four toll roads.2
  • Drivers in New Hampshire are legally required to remove snow and ice from their cars before hitting the road.3
  • Using handheld devices while driving is prohibited in New Hampshire.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

1 10 Things You Didn't Know About the History of New Hampshire
2 New Hampshire driving guide
3 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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