New Hampshire Auto Insurance Guide for New Drivers
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
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New Hampshire at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
15½
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
New Hampshire operates as a tort state with no mandatory insurance requirement — the only state in the U.S. with this distinction. Most drivers purchase voluntary liability coverage at the 25/50/25 minimum to avoid out-of-pocket liability.
Liability Insurance
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Cost Overview
$206/mo
Typical monthly rate in New Hampshire, new drivers
Rate data: Insurify, 2026
Start Your First Policy on the Right Foot
Get Your First Auto QuoteRules for new drivers
Night driving
1am-4am
Passengers
no more than 1 passenger younger than 25 for first 6 months
Source: IIHS and state DMV records, verified July 2026
Frequently Asked Questions
Can I stay on my parents' car insurance in New Hampshire?
Yes, you can remain on your parents' policy in New Hampshire as long as you live in the same household and are listed as a covered driver on their policy. This is usually the cheapest option for drivers under 25, as you benefit from your parents' multi-car discount, loyalty discounts, and their driving history. If you move out or purchase your own vehicle, you'll need to get your own policy, which will cost significantly more as a first-time policyholder.
Coverage Types
Liability Insurance
Liability insurance (your premium, or the amount you pay monthly or annually) covers injuries and property damage you cause to others in an at-fault accident. Even though New Hampshire doesn't require it, one serious crash can result in $50,000–$300,000 in medical bills and legal fees — far more than most first-time drivers can pay out of pocket.
Full Coverage
Full coverage combines liability insurance with comprehensive and collision coverage, meaning your insurer pays to repair or replace your vehicle after an accident, theft, vandalism, or weather damage, minus your deductible (the amount you pay before insurance kicks in). This is required by lenders if you finance or lease a vehicle.
Comprehensive Coverage
Comprehensive coverage pays to repair or replace your vehicle after non-collision events like theft, vandalism, hail, flooding, fire, or animal strikes. You choose a deductible (commonly $250, $500, or $1,000) — the amount you pay before your insurer covers the rest.
Collision Coverage
Collision coverage pays to repair your vehicle after a crash with another car or object, regardless of who is at fault. Your deductible applies first — if you choose a $500 deductible and cause $3,000 in damage, your insurer pays $2,500.
Uninsured Motorist Coverage
Uninsured motorist (UM) coverage pays your medical bills, lost wages, and pain and suffering if you're injured by a driver with no insurance. Your insurer steps in as if the at-fault driver had coverage, up to your UM policy limits.
SR-22 Insurance
An SR-22 is not insurance — it's a certificate your insurer files with the New Hampshire DMV proving you carry at least 25/50/25 liability coverage. It's required after certain violations like DWI, driving without insurance after an at-fault accident, or multiple license suspensions.