New Hampshire

Auto Insurance Minimum Requirements

N/A

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)N/A

Bodily Injury (per accident)N/A

Property DamageN/A

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date1980-01-01

Important Notes

New Hampshire does not broadly require liability insurance for most drivers, but they must prove financial responsibility after certain dynamic incidents or convictions. If a driver elects to buy auto insurance, the policy must meet a minimum framework of 25/50/25 liability, along with $1,000 MedPay and 25/50 UM/UIM coverage.

Uninsured / Underinsured Motorist

If a driver voluntarily purchases an auto policy, it must include UM/UIM coverage at a 25/50 minimum level.

SR-22 Filings

Required for a minimum of 3 years following convictions for DWI, leaving the scene, or an at-fault uninsured accident.

Alternatives to Insurance

Drivers must demonstrate personal financial responsibility to pay for damages after an incident if they do not carry insurance.

Official Source

New Hampshire Division of Motor Vehicles

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.