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New Hampshire Auto Insurance - Your New Hampshire Car Insurance Resource

New Hampshire Insurance Information

New Hampshire was one of the original 13 colonies; it is located just behind Maine and borders Canada. It was the 9th state to ratify the Constitution, making the document effective. It was also the first state to have its own state constitution. It was the first post-colonial nation after breaking off from Britain in 1776. New Hampshire was the first state to declare independence. During the American Revolutionary War, this state made and supplied a good portion of the gun powder for the soldiers. After the war was over, many Irish and French Canadian immigrants settled in the state, opening textile mills. This continued well until the 1960s when the mills collapsed, replaced with technology. This small state plays an important role in the elections; during each election year, there are primaries held there.

New Hampshire does have a coastal region, but most of the state is covered by mountains and forests. Driving through these regions is dangerous in the winter, as it is in any mountain region where snow is present. When mixed with ice, the snow is one of the leading factors that contributes to cars going off the road and sustaining damages. Wildlife that are accidentally hit while crossing the highways also contribute to the damage claims filed with insurance companies. Accidents as a result of other careless drivers or a simple moment of poor decision are also causes of insurance claims. Having a New Hampshire car insurance policy that covers all of these possibilities will allow you to drive without worrying about any of them. Paying for damage after it happens is much more expensive than a monthly insurance premium to prevent this possibility.

If you are driving without a New Hampshire auto insurance policy, please take a few minutes to use our services to help remedy this problem. We want to help you find the right insurance provider - we will even provide you with an instant free New Hampshire auto insurance quote. We have all of the necessary information you need regarding your state's laws about auto insurance. Protect yourself from the unexpected with a good insurance policy. Using the drop-down menu on this page, choose the area in which you live to view the rates of top providers in your area, and then you may choose a policy that fits your needs. Stress is one of the biggest causes of aging and contributes to many other health problems, so driving without insurance and being stressed about getting pulled over or having an accident is detrimental to your health.

New Hampshire Population Data At-a-Glance

1,318,194 total population
40 average citizen age
98 males per 100 females
1 number of cities with > 100,000 residents
Manchester largest city in the state

Vital New Hampshire Insurance Facts

Having a firm appreciation of your state insurance facts and information will make it easier to customize and manage your policy. By establishing you have important coverage and meet fundamental requirements such as the state minimum coverage, you may enjoy comfort of mind.

Average Annual New Hampshire Insurance Premium Payment


About $95.42/Month. New Hampshire ranks as the 37th most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?


State Minimum Coverage Requirement


Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)


Or About 145,001 Uninsured Drivers in the State of New Hampshire

NH Licensing Rules & Regulations

All states are different when it comes to licensing rules and regulations. To avoid fines or other punishments, make sure you are complying with the laws of the land. Infringements such as operating a vehicle with an expired license will very likely bring serious negative results.

Learner's Permit

15.5 Years

Unrestricted License

18 Years

Renewal Frequency

5 Years

Safety Requirements, Handheld Devices in New Hampshire

Responsible policyholders shall make the effort to abide by all safety requirements. The standards involving handheld phone usage and text-messaging deviate between individual states. Make certain you are aware of the laws in the area in which you are driving.

Seatbelt Offenses


Motorcycle Helmets

No Law

Handhelds Banned?


Text-Messaging Banned?


New Hampshire Impaired Driving Laws

Impaired driving laws differ quite a bit between each state. While it is crucial to not drink and drive, having a firm grasp of the impaired driving limits can help you make good decisions before operating a motorized vehicle.

Under 21 Limit


Individual Limit


Extreme Limit


Financial Penalty Estimate


Minimum License Suspension

90 Days

Maximum Jail Sentence

0 Days

SR-22 Required?


Open Container Law