Motorcycle Insurance in New Hampshire

New Hampshire’s scenic highways, rural backroads, and vibrant towns make it an ideal state for motorcycling. While the state does not legally require you to carry insurance, having coverage ensures peace of mind and protection if an accident occurs. GEICO offers flexible, affordable motorcycle policies designed to meet the needs of New Hampshire riders, with convenient digital tools to manage your coverage.

Is Motorcycle Insurance Required in New Hampshire?

Motorcycle insurance is not legally required in New Hampshire. However, riders must demonstrate financial responsibility if involved in an accident. This means you may need to show that you have the means to cover damages or medical costs for others in the event of a crash. While insurance is optional, most riders choose to carry coverage to avoid potential out-of-pocket expenses.

Minimum Motorcycle Insurance Coverage Requirements in New Hampshire

Because insurance is optional, there are no mandated coverage limits. Still, New Hampshire riders are encouraged to carry liability coverage to meet the state’s financial responsibility requirements in case of an accident. Suggested coverage includes:

Coverage Type What It Covers Recommended New Hampshire Minimum Limits
Bodily Injury Liability Injuries to others in an accident $25,000 per person / $50,000 per accident
Property Damage Liability Property damage you cause $25,000 per accident
Uninsured/underinsured motorist bodily injury Injury to you and your passengers if the at-fault driver has little or no insurance $25,000 per person / $50,000 per accident
Medical Payments (MedPay) coverage Helps pay for medical expenses for you and your passengers after an accident $1,000

Even though these limits aren’t legally required, carrying sufficient liability coverage protects you from significant financial risk.

Optional Motorcycle Insurance Coverages in New Hampshire

Riders can also choose to enhance their coverage with optional policies to suit their needs:

  • Collision Coverage: Pays for repair or replacement if your motorcycle is damaged in a crash.
  • Comprehensive Coverage: Protects against non-collision events like theft, vandalism, or fire.
  • Emergency Roadside Service: Offers towing and mechanical help when you need it.
  • Custom Parts or Equipment Coverage: Protects custom upgrades and aftermarket equipment on your bike up to $2,000.

Optional coverage allows riders to personalize their protection, giving confidence and security on every ride.

How Much Does Motorcycle Insurance Cost in New Hampshire?

Even though insurance is optional, the cost can vary widely based on factors like your riding history, the type of motorcycle you own, and how often and where you ride. Location can play a role as well, as areas with higher traffic or accident rates, such as Manchester or Nashua, may have higher premiums, while rural areas could see lower rates.

Looking for affordable motorcycle insurance? GEICO also offers convenient motorcycle insurance payment plans to help New Hampshire bikers get the coverage they need without breaking the bank.

Discounts on Motorcycle Insurance in New Hampshire

There are several ways to lower your motorcycle insurance premium in New Hampshire with GEICO. By taking advantage of available discounts, you can save on your coverage:

  • Motorcycle policy transfer: Earn a discount when you transfer your motorcycle insurance to GEICO.
  • Multiple motorcycles: Lower your premium by insuring multiple motorcycles with GEICO.
  • Mature riders: Get rewarded for years of experience driving a motorcycle.
  • Insurance renewal: You may be eligible for a discount when you renew your motorcycle insurance with GEICO.
  • Safety course: Pick up safe driving tips and reduced rates for completing a Motorcycle Safety Foundation Course.
  • Instructors: Current Motorcycle Safety Foundation instructors may qualify for a discount on coverage.
  • New Hampshire Safe Driver Insurance Plan (SDIP): get discounts of up to 5% for maintaining a clean driving record for 4 years.

Why Choose GEICO for Motorcycle Insurance in New Hampshire?

New Hampshire riders benefit from GEICO’s affordable coverage, competitive rates, and responsive service. Policies can be tailored to your riding style with options like collision, comprehensive, and roadside service. With a quick claims process, flexible payment plans, and online management tools, like the GEICO Mobile app, GEICO ensures you are protected whether commuting, touring the Lakes Region, or riding through the White Mountains.

Get a Free Motorcycle Insurance Quote in New Hampshire

Requesting a quote with GEICO is simple. Protect your motorcycle with coverage that fits your riding style and budget. Compare options, apply available discounts, and get peace of mind on the roads of New Hampshire. Start your free motorcycle insurance quote today.

Motorcycle Insurance in New Hampshire FAQs

  • Can I bundle motorcycle and auto insurance in New Hampshire?

    Yes. GEICO allows you to bundle your motorcycle and auto insurance policies in New Hampshire. Bundling can simplify your coverage, streamline payments, and provide a discount on your premiums.

  • Does New Hampshire have a helmet law for motorcycle riders?

    Yes. Riders under 18 years old are required to wear a helmet. Riders 18 and older are not required to wear a helmet, but the state requires proof of financial responsibility (insurance or other coverage) if involved in an accident.

  • Do I need a motorcycle license or endorsement in New Hampshire?

    Yes. All motorcycle riders must have a valid motorcycle license or endorsement. To get the endorsement, you must pass a written knowledge test and a riding skills test (or complete an approved motorcycle safety course that waives the skills test).

  • Does taking a motorcycle safety course lower my insurance in New Hampshire?

    Yes. Completing an approved Motorcycle Safety Foundation (MSF) course or a state-recognized training program can make you eligible for discounts on your motorcycle insurance through GEICO. Additionally, it may help you qualify to waive the skills test for your endorsement.