Car insurance is mandatory in New Hampshire, as it is in most states. But finding the right car insurance can be confusing and overwhelming. This guide will help you understand the different types of car insurance coverage available in New Hampshire, the minimum requirements, and how to find the best rates.
Types of Car Insurance Coverage
There are several types of car insurance coverage available in New Hampshire:
Liability Coverage
Liability coverage is required in New Hampshire. This coverage pays for damages or injuries you cause in an accident. Liability coverage includes:
- Bodily injury liability
- Property damage liability
Bodily injury liability covers medical expenses and lost wages for the other driver and passengers if you cause an accident. Property damage liability covers the cost to repair or replace the other driver’s vehicle or property.
The minimum liability coverage required in New Hampshire is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage pays for damages or injuries if you are in an accident with a driver who doesn’t have enough insurance or no insurance at all. The minimum coverage required in New Hampshire is $25,000 per person and $50,000 per accident.
Collision Coverage
Collision coverage pays for damages to your vehicle if you are in an accident, regardless of who is at fault. Collision coverage is not required in New Hampshire, but it can be helpful if you have a newer or more expensive car.
Comprehensive Coverage
Comprehensive coverage pays for damages to your vehicle that are not caused by an accident, such as theft, vandalism, or weather damage. Comprehensive coverage is not required in New Hampshire, but it can be helpful if you live in an area with a high risk of theft or damage from natural disasters.
Minimum Car Insurance Requirements in New Hampshire
The minimum car insurance requirements in New Hampshire are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
While these are the minimum requirements, it is always a good idea to consider additional coverage to protect yourself and your vehicle in case of an accident.
How to Find the Best Car Insurance Rates in New Hampshire
There are several ways to find the best car insurance rates in New Hampshire:
Shop Around
The best way to find the best car insurance rates is to shop around. Get quotes from several different insurance companies to compare rates and coverage options. Don’t forget to ask about discounts, such as safe driver discounts or multi-car discounts.
Bundle Your Policies
If you have multiple insurance policies, such as home and auto, you may be able to save money by bundling them together with the same insurance company.
Improve Your Credit Score
Your credit score can affect your car insurance rates. Improving your credit score can help you get lower rates.
FAQs
What happens if I don’t have car insurance in New Hampshire?
If you are caught driving without car insurance in New Hampshire, you could face fines and other penalties. Your license and registration could also be suspended.
Do I need collision or comprehensive coverage?
Collision and comprehensive coverage are not required in New Hampshire, but they can be helpful if you have a newer or more expensive vehicle. They can also provide additional protection in case of theft, vandalism, or damage from natural disasters.
What is the best car insurance company in New Hampshire?
The best car insurance company for you will depend on your specific needs and budget. Be sure to shop around and compare rates and coverage options from several different insurance companies.
Insurance Company |
Customer Satisfaction Rating |
AM Best Rating |
JD Power Rating |
Geico |
4.5/5 |
A++ |
3/5 |
State Farm |
4/5 |
A++ |
4/5 |
Allstate |
3.5/5 |
A+ |
3/5 |
Progressive |
3.5/5 |
A+ |
2/5 |
Table: Top Car Insurance Companies in New Hampshire
How can I save money on car insurance in New Hampshire?
You can save money on car insurance in New Hampshire by shopping around for the best rates, bundling your policies, improving your credit score, and taking advantage of discounts.
Is car insurance more expensive in New Hampshire?
Car insurance rates in New Hampshire are slightly lower than the national average, but rates can vary depending on your driving record, age, and other factors.
Conclusion
Car insurance is an important investment to protect yourself and your vehicle in case of an accident or other damage. By understanding the different types of coverage available, the minimum requirements in New Hampshire, and how to find the best rates, you can make an informed decision about your car insurance policy.
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