New Hampshire Car Insurance

New Hampshire knows automobiles. Since opening in 1990, the New Hampshire Motor Speedway, a.k.a. "The Magic Mile," has hosted some of the most renowned racing events. Even though you probably don't drive a racecar, you still need to be financially responsible for your vehicle before you drive in New Hampshire. Start your New Hampshire car insurance quote and find the coverage you need at a great price.

Learn More About Car Insurance in New Hampshire

Whether you're looking for general auto insurance information or for specific details about driving in New Hampshire, GEICO is here to help. We can help you find information about New Hampshire auto insurance laws and offer ways to save with cheap auto insurance. You can also learn how to shop for auto insurance with help from our specialists.

New Hampshire Minimum Car Insurance Requirements

New Hampshire requires all drivers to meet their financial responsibilities in the event of an accident. Protect yourself from financial hardship by purchasing New Hampshire auto insurance at limits that meet your needs. Insured drivers in New Hampshire must carry at least the following coverages and limits:

Coverage Type Coverage Limits Explanation
Bodily Injury Liability $25,000 per person / $50,000 per accident Help cover medical expenses, lost wages, and legal fees if you injure someone in an accident. Limits apply per person and per accident.
Property Damage Liability $25,000 per accident Helps pay for damage you cause to someone else's property (usually their vehicle) in an accident.
Uninsured/Underinsured Motorist $25,000 per person / $50,000 per accident Helps cover your expenses if you're hit by a driver with no insurance or not enough coverage. Applies to medical costs and related losses.
Medical Payments (MedPay) $1,000 per accident Helps pay for medical costs for you and your passengers after an accident, regardless of who was at fault.

How to Save Money on New Hampshire Car Insurance

GEICO makes it easy for New Hampshire drivers to find affordable auto insurance with a variety of available discounts. Here are just a few ways to lower your premium:

  • Safe driver discounts: Earn savings by maintaining a clean driving record.
  • Bundling: You could get a discount when you have more than 1 policy provided by GEICO or the GEICO Insurance Agency, s. Such as auto and renters, auto and homeowners, or auto and motorcycle.
  • Vehicle equipment: Anti-theft devices and airbags may qualify your car for discounts.
  • Good student discount: Full-time students with B+ grade average may be eligible for a reduced rate.
  • Defensive driving discount: If you've completed a defensive driving course, you may be able to save more if you qualify.
  • Military and federal employee discounts: Exclusive savings are available for qualifying service members and government workers.
  • Multi-vehicle discount: Insure more than one car on your policy for additional savings.
  • DriveEasy*: Get rewarded for good driving by participating in the DriveEasy program through the GEICO mobile app.

Discount availability can vary by state, so it’s worth reviewing your options and asking a GEICO insurance specialist about what applies to your specific policy. Find more ways to save on your policy by exploring GEICO’s car insurance discounts.

New Hampshire Teen Driving Laws

Teenage drivers in New Hampshire are allowed to practice driving beginning at age 15 ½ while accompanied by a licensed adult at least 25 years of age in the front passenger seat. All unlicensed drivers must carry identification that shows proof of age.

Beginning at age 16, teen drivers may apply for a New Hampshire Youth Operator License if they have passed a state-approved driver education course, provided written permission from a parent or guardian, and have logged at least 40 hours of supervised driving practice. At least 10 of those hours must be nighttime driving. In order to receive a license, the applicant must pass a vision screening, a written test, and a driver road test, and pay the $50 application fee.

Youth Operator License holders under age 18 are prohibited from driving between 1:00 AM and 4:00 AM During the first 6 months licensed, they may not drive with more than one passenger younger than age 25 who is not a family member, unless a licensed driver at least 25 years old accompanies them.

The New Hampshire Youth Operator License is oriented vertically rather than horizontally and states: "Under 21 until [date]". It expires on the individual's 21st birthday, at which time they are eligible to obtain a horizontally-oriented driver's license.

New Hampshire Registration Information

If the vehicle was purchased from a New Hampshire dealer, take the blue town clerk's copy of the Title Application, along with proof-of-residency, to the town or city where you reside in order to register the vehicle.

If the vehicle was purchased through a private sale and is a titled vehicle (1989 or newer), take the properly assigned title, along with proof-of-residency, to the town or city office where you reside to register the vehicle.

New Hampshire Car Insurance FAQ

  • Is car insurance required in New Hampshire?

    Car insurance isn’t required for most drivers in New Hampshire. However, if you're involved in an accident or convicted of certain offenses, you may be required to carry insurance and file an SR-22. If you drive uninsured, you must prove you can cover accident-related costs. GEICO recommends carrying coverage for your protection. If you choose to buy a policy, state minimum coverage limits apply.

  • Is car insurance expensive in New Hampshire?

    New Hampshire generally has lower car insurance premiums compared to other states. Your individual rate will depend on your risk profile and policy choices.

  • Is New Hampshire a no-fault insurance state?

    No, New Hampshire is not a no-fault state. Drivers can pursue compensation from the at-fault party in an accident.

Please note:

DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app. All enrolled drivers on a policy need to participate. Driver enrollment requirements differ by state and program details and are presented during your quote.