Minimum car insurance requirements in New Hampshire
In the state of New Hampshire, liability insurance isn’t mandatory. The state requires drivers to pay for any injury or property damage arising from their vehicles, but it doesn’t require drivers to have car insurance. However, having an insurance policy makes it easier to pay for damages if you do get into an accident, so you might want to buy one just in case.
If New Hampshire residents do decide to purchase car insurance, the minimum limits are:1
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Hampshire is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.2
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Similar to PIP coverage, medical payments coverage will cover the policyholder for medical payments they incur in the event of an accident.
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In New Hampshire, your uninsured and underinsured coverage must match your current liability coverage.
New Hampshire DMV information
At the New Hampshire Division of Motor Vehicles (DMV), you can renew your driver’s license (or for teen drivers, apply for one), register your car, request a driving record, pay your speeding tickets or reinstatement fees, and even change your name or address.3 Many services are available online. You can also visit one of the 15 DMV locations throughout the state.4
Public transportation in New Hampshire
New Hampshire has 12 local bus systems. Intercity routes provide a lifeline for rural areas and a better alternative to congested highways for commuters heading to Boston. Despite the city, regional, and interstate transit options in New Hampshire, public transportation isn’t widely available. The state isn’t very walkable, and most errands require a car (or access to one).5