If you’re looking for car insurance in New Hampshire, you may be wondering if it’s actually required by law. The answer is yes – all drivers in New Hampshire must carry auto insurance in order to legally drive on the state’s roads. In this blog post, we’ll discuss the state’s auto insurance requirements, as well as the different types of coverage you can get to ensure you’re properly protected while behind the wheel.
Do You Need Car Insurance in New Hampshire?
Yes, car insurance is required in the state of New Hampshire. All vehicles registered in the state must carry a minimum level of liability insurance, which covers damages to another person or property if you are found at fault for an accident. Without this coverage, you may be held financially responsible for any damages. Additionally, New Hampshire does not have a no-fault system, so if you are found at fault for an accident, you may be held liable for any medical expenses or lost wages of the other driver.
What Are the Minimum Car Insurance Requirements in New Hampshire?
The minimum car insurance requirements in New Hampshire are liability coverage of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. This coverage is referred to as 25/50/25 coverage.
What Are the Penalties for Not Having Car Insurance in New Hampshire?
If you are caught driving without car insurance in New Hampshire, you may be subject to fines, license suspension, and even jail time. Additionally, if you are involved in an accident and are found to be at fault, you may be held liable for any damages you caused.
What Other Types of Car Insurance Are Available in New Hampshire?
In addition to the minimum liability coverage, there are other types of car insurance available in New Hampshire. These include comprehensive coverage, which covers damage to your vehicle from events such as theft and vandalism, and collision coverage, which covers damage to your vehicle from an accident. You may also choose to purchase uninsured/underinsured motorist coverage, which covers medical expenses and other costs if you are involved in an accident with an uninsured or underinsured driver.
What Are the Average Car Insurance Rates in New Hampshire?
The average car insurance rates in New Hampshire vary depending on factors such as age, driving record, type of vehicle, and zip code. Generally, rates are lower in rural areas and higher in urban areas. Rates may also be higher for drivers with less experience or a poor driving record.
What Discounts Are Available for Car Insurance in New Hampshire?
Many car insurance companies in New Hampshire offer discounts to drivers who meet certain criteria. These may include discounts for good drivers, safe drivers, drivers over the age of 55, students, and members of certain organizations. Additionally, many companies offer multi-car and multi-policy discounts for drivers who insure multiple vehicles or combine their car insurance with other types of insurance.
FAQs on Do You Need Car Insurance in New Hampshire
1. What type of car insurance coverage is required in New Hampshire?
In New Hampshire, drivers must carry liability insurance coverage of at least $25,000 per person, $50,000 per accident, and $25,000 for property damage. This coverage is known as 25/50/25 coverage.
2. Does New Hampshire require uninsured motorist coverage?
Yes, New Hampshire requires drivers to carry uninsured motorist coverage of at least $25,000 per person and $50,000 per accident.
3. Does New Hampshire require personal injury protection (PIP) coverage?
No, New Hampshire does not require drivers to carry personal injury protection (PIP) coverage.
4. Are there any other types of coverage I should consider?
Yes, you may want to consider additional coverage such as collision and comprehensive coverage, rental car coverage, and towing and labor coverage.
5. Are there any discounts available for car insurance in New Hampshire?
Yes, many car insurance companies offer discounts for things such as having multiple policies, having a good driving record, and being a good student.