A Buyers Guide to Auto Insurance in New Hampshire

Unraveling the Road to Affordable Auto Insurance

Welcome to Portsmouth Atlantic Insurance – in this extensive guide, we’ll steer you through the intricate world of auto insurance in the Granite State. From understanding the unique auto insurance landscape to finding the right coverage at the best price, we’ve got your back. Join us as we explore the roads and regulations of auto insurance in New Hampshire.

Understanding Auto Insurance in New Hampshire

Is auto insurance high in New Hampshire, and how does it compare to other states?

When it comes to auto insurance, New Hampshire offers a unique perspective. The state is known for its low auto insurance requirements, which can sometimes lead to lower premiums compared to other states. However, several factors, including your location within the state and your driving history, can influence the cost of auto insurance.

Auto Insurance Requirements in New Hampshire

What auto insurance is required in New Hampshire?

New Hampshire is one of the few states that do not mandate minimum liability auto insurance coverage for drivers. Instead, the state relies on its “Financial Responsibility” laws, which require drivers to demonstrate their ability to cover potential liabilities resulting from accidents.

No-Fault Auto Insurance in New Hampshire

Is New Hampshire a no-fault auto insurance state?

No, New Hampshire is not a no-fault auto insurance state. In no-fault states, drivers turn to their own auto insurance companies to cover accident-related expenses, regardless of who was at fault. In contrast, New Hampshire follows a traditional “at-fault” system, where the driver responsible for the accident is liable for the resulting costs.

The Unconventional New Hampshire Stance

Is New Hampshire the only state that doesn’t require auto insurance?

Yes, New Hampshire stands alone as the only state in the U.S. that doesn’t require its residents to carry auto insurance. While it might sound liberating, it also places responsibility squarely on the shoulders of drivers to prove their financial responsibility in case of an accident.

Factors Affecting Auto Insurance Costs

How much does it cost to insure a car in NH?

The cost of auto insurance in New Hampshire varies based on several factors:

  1. Location: Drivers in populated areas like Manchester or Nashua may face higher premiums due to increased traffic and accident rates.
  2. Driving History: Your personal driving record plays a significant role. Safe drivers are often rewarded with lower rates.
  3. Coverage Level: The extent of your coverage, including liability limits and optional coverages, impacts your premium.
  4. Type of Vehicle: The make and model of your vehicle, as well as its age and safety features, can influence insurance costs.
  5. Deductible Amount: Choosing a higher deductible can lower your premium, but it means you’ll pay more out of pocket in case of a claim.

Driving Without Auto Insurance in NH

Can I drive in NH without auto insurance?

Technically, New Hampshire allows you to drive without auto insurance if you can demonstrate financial responsibility through other means, such as a surety bond or a deposit with the state treasurer. However, opting for auto insurance is the most common and hassle-free way to comply with the state’s financial responsibility laws.

High Auto Insurance Rates: Who Pays the Most?

Who has the highest auto insurance rates?

Auto insurance rates can fluctuate widely based on individual circumstances and location. In New Hampshire, high-risk drivers, such as those with a history of accidents or violations, tend to pay higher premiums. Additionally, drivers in urban areas may face increased rates due to higher traffic density and accident risks.

Tailoring Your Auto Insurance

What Insurance Companies Offer the Best Auto Insurance?

At Portsmouth Atlantic Insurance, we represent all of the carriers below (and more) & are able to find the most competitive auto insurance options for our clients:

Customizing Your Auto Insurance Coverage

While New Hampshire has minimal auto insurance requirements, it’s essential to consider additional coverage options to protect yourself adequately. Tailoring your auto insurance can include:

  • Liability Coverage: Although not required, liability auto insurance can protect you from financial ruin in case of an accident you cause.
  • Collision Coverage: This helps pay for damages to your vehicle in case of an accident.
  • Comprehensive Coverage: Protects your vehicle from non-accident-related incidents, such as theft, vandalism, or natural disasters.
  • Uninsured/Underinsured Motorist Coverage: Provides coverage if you’re involved in an accident with a driver who lacks auto insurance or has insufficient coverage.
  • Medical Payments Coverage: Covers medical expenses for you and your passengers after an accident.

Shopping for Auto Insurance in New Hampshire

Tips for Finding the Best Auto Insurance

When shopping for auto insurance in New Hampshire, keep these tips in mind:

  1. Compare Quotes: Get quotes from multiple auto insurance providers to find the best rates and coverage options.
  2. Review Your Coverage Needs: Assess your needs and consider the types and levels of coverage that are appropriate for your situation.
  3. Ask About Discounts: Inquire about available discounts, such as safe driver, multi-policy, or good student discounts.
  4. Consider the Deductible: Decide on a deductible that aligns with your budget and risk tolerance.
  5. Read the Policy: Carefully review the policy terms, conditions, and exclusions before making a decision.


In the captivating state of New Hampshire, where towns like Manchester, Nashua, and Portsmouth thrive, auto insurance offers a unique perspective. Understanding the ins and outs of auto insurance in the Granite State is essential to navigate the roads with confidence and financial security.

At Portsmouth Atlantic Insurance, we’ve been helping our clients insure their homes in NH and throughout New England for close to 20 years.  We represent many different insurance companies when it comes to these specialized policies.  Not only do we help and support our clients when it comes to home insurance, we also help our Realtor & Loan Officer Partners who trust us to help their clients when purchasing a new home. 

Contact Us today for Auto and Home solutions and learn more about how we can help. Give us a call at 603-431-4020, email at insure@portsmouthatlanticins.com or fill out the form on this page to get started.

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We proudly serve residents in New Hampshire, Massachusetts, Vermont, Maine, Connecticut, Rhode Island, New York, Ohio, Illinois & Florida

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