- Car Insurance
- Auto Insurance by State
- New Hampshire Car Insurance
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 drivers could save money with these 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 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
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate