In New Hampshire, the state’s “live free or die” motto rings especially true when it comes to car insurance laws and requirements. Most states across the country require auto insurance for all drivers, but New Hampshire, uniquely, does not. The state does, however, have other requirements that operators of vehicles are responsible for. Because the state laws are so anomalous compared to other states across the country, it is crucial that every driver knows what the expectations are for them under New Hampshire laws.
Although New Hampshire does not require car insurance for drivers, it does require drivers to cover expenses relating to property damage and bodily injury if they are the at-fault party in a vehicle accident. The New Hampshire Department of Safety, despite a lack of a statewide mandate for auto insurance, strongly recommends owners and operators of automobiles obtain standard car insurance to best protect themselves in the event of an accident.
Even though auto insurance is not required in New Hampshire, having it is the best way to cover these cost requirements. New Hampshire drivers who do decide to purchase auto insurance are subject to certain coverage minimums. The policy must have at least $25,000 in bodily injury coverage per person, $25,000 in property damage coverage, and at least $50,000 in bodily injury coverage for accidents involving multiple people. Policies are also required to include at least $1,000 in medical payments coverage so that if an accident occurs, you are able to pay a portion or all of your own medical bills.