New Hampshire

New Hampshire does NOT require auto liability insurance. Drivers must instead demonstrate financial responsibility — typically by posting a bond, cash deposit, or other proof of ability to pay damages from an at-fault crash. Insurance becomes mandatory after certain violations.

New Hampshire does not require bodily injury liability coverage by default — drivers must instead demonstrate financial responsibility through other means.

New Hampshire does not require property damage liability coverage by default — drivers must instead demonstrate financial responsibility through other means.

New Hampshire does not strictly require UM/UIM coverage, but insurers must offer it. If a driver chooses to carry insurance, UM coverage at 25/50/25 must be included. Otherwise, UM is not required. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

New Hampshire does not require auto liability insurance for most drivers. Drivers must instead demonstrate financial responsibility — typically by posting a surety bond, cash deposit, or other proof of ability to pay damages. Insurance becomes mandatory after certain DWI or at-fault uninsured accidents. Drivers convicted of DWI or involved in at-fault uninsured accidents must file SR-22 with limits of 25/50/25 for at least three years.

For the most current minimum auto insurance requirements in New Hampshire, consult the official source at https://www.nh.gov/insurance/. State minimums change periodically; verify current law before relying on these figures.