New Hampshire Car Insurance

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New Hampshire's White Mountains National Forest

Common questions about New Hampshire auto insurance

Need car insurance in New Hampshire? Whether you live in Manchester or Nashua, Liberty Mutual has you covered. From liability protection to comprehensive coverage, we customize your New Hampshire auto insurance, so you only pay for what you need.

What car insurance is required in New Hampshire?

New Hampshire is one of only two states in the country that does not require drivers to carry auto insurance. However, the state does require that certain financial responsibility requirements are met, and if you get in an accident and are unable to pay for the damages, you could risk losing your license.

The easiest way to protect yourself and others on the road is to purchase auto insurance. If you are purchasing New Hampshire auto insurance, the state does mandate a minimum amount of coverage. Your policy must include both Bodily Injury and Property Damage coverages. The minimum required limits are $25,000 per person and $50,000 per accident for Bodily Injury and $25,000 per accident for Property Damage. You must also include at least $1,000 for Medical Payments coverage and Uninsured Motorist coverage with limits equal to your BI coverage. Most people opt for higher amounts of auto insurance coverage than the state minimums to protect themselves in case of an accident.

To learn more about New Hampshire auto insurance, visit the New Hampshire Insurance Department.

What is the average cost of car insurance in New Hampshire?

The average cost of car insurance in New Hampshire is $960 per year according to thezebra.com.2 That’s 36% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history.

Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your New Hampshire auto insurance, so you only pay for what you need.

U.S. Map with New Hampshire state highlighted

What New Hampshire car insurance coverage is right for you?

The information above explains the minimum New Hampshire auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We’ll help you customize your New Hampshire car insurance to get the coverage that fits you. See all of our auto coverage options.

What is the best car insurance in New Hampshire?

NerdWallet named Liberty Mutual one of the best car insurance companies in 2020.3 That’s because we understand that everyone has individual needs when it comes to their New Hampshire auto insurance. Some might want the cheapest New Hampshire car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your New Hampshire car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in New Hampshire?

Getting the cheapest car insurance in New Hampshire may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that’s affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.4

  • $617 lower than GEICO
  • $659 lower than Allstate
  • $643 lower than Nationwide

Discounts that help you save

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Online Purchase Discount

Buy your policy online and save. It's that simple.5
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Bundle and SaveLoading...

Convenience and savings — need we say more? Combine your policies and get a discount.6
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RightTrack®Loading...

Get rewarded for your good driving behavior by saving up to 30% on your policy.7

New Hampshire insurance agents near me

Liberty Mutual Offices in New Hampshire

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1Minimum coverage amounts are subject to change.
2https://www.thezebra.com/states/
3https://www.nerdwallet.com/blog/insurance/best-car-insurance-companies/
4Savings validated by 2019 countrywide survey of participating new customers who switched to Liberty Mutual. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
5Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.
6Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
7The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2022 Liberty Mutual Insurance