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.
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 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. |
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:
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.
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.
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.