Get a New Hampshire car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in New Hampshire
New Hampshire auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programNew Hampshire car insurance requirements
New Hampshire is the only state that does not require most drivers to have auto insurance.
However, drivers must still meet financial responsibility requirements. That means, if you cause an accident and cannot pay for the damages, you could face penalties, including suspension of your license.
While car insurance is not mandatory in NH by law, it is often the easiest way to meet these financial responsibility requirements and protect yourself financially.
If you choose to purchase auto insurance in New Hampshire, your policy must meet the following state's minimum coverage limits.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to Others Coverage | $25,000 per person, $50,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
| Medical Payments Coverage | At least $1,000 |
| Uninsured Motorist Bodily Injury Coverage | $25,000 per person, $50,000 per accident |
To learn more about New Hampshire auto insurance, visit the New Hampshire Insurance Department.
Average car insurance cost in New Hampshire, 2026
According to 2026 data, the average cost of “full” coverage car insurance in New Hampshire is about $984 per year.
Drivers in New Hampshire will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap car insurance in New Hampshire?
Finding the cheapest car insurance in New Hampshire may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
New Hampshire car insurance FAQs
Even though New Hampshire doesn't require most drivers to carry auto insurance, you're still responsible for the costs if you cause an accident. Without a policy, expenses like the other driver's medical bills, property damage, and legal costs would typically come out of your own pocket.
If you cause an accident and can't demonstrate financial responsibility, you could face penalties such as a suspended license or registration. Carrying insurance is often the simplest way to meet the state's financial responsibility requirements while helping protect your savings and assets. A policy can also include added coverages, like Collision and Comprehensive, that can help pay to repair your own vehicle after a covered event.
Getting started is easy. You'll typically need your driver's license, your vehicle's make, model, and VIN, and a few details about your driving history; if you're switching, having your current policy information handy can help. From there, you can get a quote online in minutes, customize your coverage so you only pay for what you need, and see whether you qualify for discounts that could lower your rate. If you'd rather talk it through, you can also connect with a local agent.
There are several ways you could save. Bundling your auto and home policies through our Multi-Policy Discount is one of the simplest. You may also lower your premium by buying online, going paperless, or insuring more than one vehicle.
Our RightTrack® program could help you save up to 30% for safe driving.3 Choosing a higher deductible and reviewing your coverage so it fits your needs can help, too. Getting a quote is a quick way to see which discounts you might be eligible for.