Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

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New Hampshire state flagAs the first colony to break off from British rule in 1776 and one of the first thirteen states to form the country a few years later, New Hampshire has long been a self-sufficient state that has birthed prominent authors, politician and war heroes. Let’s take a look at New Hampshire auto insurance, and how things operate in “The Granite State”.

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Auto Insurance Laws And Requirements In New Hampshire

In New Hampshire, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $25,000 per accident

Uninsured/Underinsured Motorist coverage minimums:

  • Bodily Injury Coverage – $25,000 per person
  • Bodily Injury Coverage – $50,000 per accident
  • Property Damage Coverage – $25,000 per accident

Medical Payments coverage minimums:

  • $1,000 coverage per person

Optional coverage options in NH include:

  • Comprehensive Coverage
  • Collision Coverage
  • Rental Car Reimbursement Coverage
  • Towing/Labor/Roadside Assistance Coverage
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Oddly enough, New Hampshire is one of the few states that do not force drivers to purchase auto insurance. However, the state does require that drivers prove that they are financially responsible for their actions while driving, and most people will satisfy this requirement by purchasing auto insurance. The state operates under the ‘tort’ system, meaning that when an accident occurs, one of the drivers will be found ‘at fault’ and their insurance company will pay out claims for injuries and property damage.

Drivers that choose to purchase auto insurance must satisfy requirements in four different areas to be considered financially responsible under state law. Bodily Injury Liability insurance covers the injury related costs for other drivers, passengers and pedestrians in an accident where you are the ‘at fault’ driver. It’s worth noting that this insurance policy does not cover the policy holder OR their passengers in the event of an accident; simply put, it covers the medical treatment, lost wages, funeral costs, and other accident-related medical costs of others. State law requires drivers have a minimum coverage of $25,000 per party, per accident and $50,000 for all parties in a single accident.

Property Damage Liability insurance works much like the above injury insurance, except this policy is intended to pay out claims for damage to other automobiles and property that results from an accident where you are the ‘at fault’ party. The state requires that drivers have a minimum of $25,000 in Property Damage Liability coverage.

Medical Payments coverage is required, but the minimum coverage is just $1,000 which is quite inexpensive. This policy pays out for injury related costs for the policy holder and their passengers – regardless of who caused the crash. Since this insurance covers you, it’s best to purchase a reasonable amount of coverage – just in case.

Finally, the state requires drivers to protect themselves in case of an accident caused by a driver with no insurance. Uninsured Motorist Bodily Injury Liability protection covers the policy holder and their passengers for injury-related treatment costs, lost wages and the like. The minimum coverage here is the same $25,000 per party, per accident and $50,000 for all parties in a single accident.

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New Hampshire Vehicle Insurance Rates

Thanks to some incredible theft and crash numbers that we’ll discuss below, drivers in New Hampshire pay far less for auto insurance on average, when compared to the rest of the country. As of August 2011, those in New Hampshire pay just $1,039 for a year’s worth of auto insurance, which is about $90 per month. This rate represents a 38% discount over the national average of $1,440 per year, and makes New Hampshire one of the least expensive states to insure an automobile.

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Drivers in New Hampshire’s major cities pay a bit more, thanks to the increases accident and theft risks that come with city driving. Those who call Nashua home will pay an average of $1,297 for a year’s worth of auto insurance, while citizens of Manchester are looking at a higher rate of $1,461.

Let’s take a closer look at the ZIP codes within the state to see how rates changed based on different areas.

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There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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While many of these factors are simply based on your own driving record, two things that affect even the safest drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

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Company vs state: NH Auto Insurance Rates by Company

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But which companies are the largest, holding the most market share percentage in the region?

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NH Driving Statistics

Unfortunately, the New Hampshire Department of Transportation and Department of Safety have yet to release recent data in regards to vehicle crashes in the state. However, the NHTSA does provide some data that can give a glimpse in to how well New Hampshire drivers are doing in regards to safety. In 2009, there were a total of 110 fatalities caused by automobile accidents throughout the state; 30 of these (27%) were alcohol related. This represents a drop of 20% in the overall fatality rate when compared to 2008’s total of 138 fatalities, with 45 being alcohol-related. A drop of 20% in a single year in quite the improvement, and reflects the state’s commitment to improving traffic safety and reducing crashes on the highways and turnpikes in New Hampshire.

As one of the safest states in the nation, it should come to as no surprise to those in New Hampshire to find out that their state ranks 50th overall – dead last – for auto thefts. It’s little wonder that the auto insurance rates are so low, when the chance of having your vehicle stolen is next to none! In 2009, there were a total of 1,124 vehicle thefts reported in New Hampshire, which represents a rate of just 85 vehicle thefts per 100,000 citizens. Again, this represents a decrease from the respective 2008 totals of 1,406 thefts and 106.4 thefts per 100,000 citizens. It’s up to the state and its drivers to keep the pressure on auto thieves – being in last place means that the only place the state can go is up. With luck, the safety trends in New Hampshire will continue, and drivers will keep enjoying very low auto insurance rates because of it.

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Compare Auto Insurance Quotes In New Hampshire

4AutoInsuranceQuote.com knows that your goal is to decrease your New Hampshire auto insurance rates – and we’re committed to helping. All you need to do to find the best rates for auto insurance New Hampshire has to offer is scroll up to the top of this page. At the top, there’s a quick and easy form where you simply enter in your ZIP code to get started.

Don’t get caught paying above average auto insurance rates for no apparent reason! The only way to get discounts is to shop around, and that’s what our tool allows you to do. Enjoy!

New Hampshire Auto Insurance Agents

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