New Hampshire Car Insurance: Everything You Need to Know

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Car insurance is a mandatory requirement for drivers in most states, including New Hampshire. If you’re a new driver or moving to New Hampshire, it’s important to understand the state’s car insurance requirements and options. This guide will help you navigate the often confusing world of car insurance so that you can choose the right policy for your needs.

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New Hampshire Car Insurance: Minimum Coverage Requirements

Every state has different requirements for insurance coverage. New Hampshire requires drivers to have a minimum of liability insurance to drive legally. Liability insurance covers damages or injuries that you may cause to other drivers, passengers or pedestrians in an accident where you are at fault.

The minimum liability coverage required in New Hampshire is:

Coverage type
Minimum amount
Bodily injury liability
$25,000 per person / $50,000 per accident
Property damage liability
$25,000 per accident

It’s important to note that these are just the minimum requirements. You may want to consider purchasing additional coverage to protect yourself in case of an accident.

Additional Car Insurance Coverage Options

In addition to liability insurance, there are several other types of coverage that you may want to consider to protect yourself and your vehicle. These include:

Collision Coverage

Collision coverage covers damages to your vehicle if you are in an accident, regardless of who is at fault. This coverage is especially important if you have a newer, more valuable car.

Comprehensive Coverage

Comprehensive coverage covers damages to your vehicle that are not caused by a collision, such as theft or natural disasters.

Uninsured/Underinsured Motorist Coverage

If you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages, uninsured/underinsured motorist coverage will protect you.

Factors That Affect Your Car Insurance Premiums

Car insurance premiums can vary widely depending on several factors. Some of the factors that can affect your premiums include:

Driving Record

If you have a history of accidents or traffic violations, your premiums will be higher.

Age and Gender

Younger drivers and male drivers generally pay more for car insurance.

Type of Vehicle

Newer, more expensive cars will typically cost more to insure than older, less expensive cars.

Location

If you live in an area with a high rate of accidents or thefts, your premiums will be higher.

New Hampshire Car Insurance FAQ

Do I need car insurance in New Hampshire?

Yes, liability insurance is mandatory in New Hampshire.

What is the minimum liability coverage required in New Hampshire?

The minimum liability coverage required in New Hampshire is $25,000 per person / $50,000 per accident for bodily injury and $25,000 per accident for property damage.

What other types of car insurance coverage should I consider?

Collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage are all additional types of coverage that you may want to consider.

What factors affect my car insurance premiums?

Your driving record, age and gender, type of vehicle, and location can all affect your car insurance premiums.

Can I get discounts on my car insurance?

Yes, many insurance companies offer discounts for things like safe driving, multiple policies, and good student grades. Be sure to ask your insurance provider about available discounts.

By understanding New Hampshire’s car insurance requirements and options, you can make informed decisions about your coverage and ensure that you are fully protected. Remember to shop around for the best rates and coverage options, and always drive safely on the road.

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