New Hampshire Car Insurance Minimum Requirements

The New Hampshire minimum: 25/50/25 — but only if you buy a policy. That is $25,000 for injuries to one person, $50,000 per accident and $25,000 for property damage.

Shorthand: 25/50/25
New Hampshire is the one state that does not make liability insurance compulsory for most drivers. These limits are the floor for two things: a motor vehicle liability policy if you choose to buy one (RSA 259:61), and the proof of financial responsibility the state orders certain drivers to file (RSA 264:20). If you do buy a policy, uninsured motorist coverage and at least $1,000 of medical payments coverage are added by law.
Bodily injury — per person: $25,000
Bodily injury — per accident: $50,000
Property damage: $25,000
Uninsured / underinsured motorist: Required on every policy; matches your liability limits
No policy may be issued on a vehicle registered or principally garaged in New Hampshire unless it carries uninsured and hit-and-run motorist coverage at least equal to the bodily injury limits required by RSA 264. If you buy liability limits above the minimum, your uninsured motorist limits rise to match automatically. There is no rejection form for the underlying policy; only umbrella and excess layers may be rejected in writing. The coverage is for bodily injury — property damage is covered only up to $25,000 and only where the other driver's insurer has been declared insolvent.
Personal injury protection (PIP): None — medical payments coverage is required instead
New Hampshire has no personal injury protection. In its place, RSA 264:16 requires every private passenger policy to include at least $1,000 per person of medical payments coverage, paid regardless of fault for the driver and passengers. It covers medical costs incurred within 3 years of the crash, your health insurer may not coordinate benefits against it, and the auto insurer has no right of subrogation for what it pays (RSA 264:17). It does not limit your right to sue.

Property damage minimum — where New Hampshire sits

New Hampshire sets $25,000 — higher than 23 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.

How New Hampshire compares with every other state

What these numbers buy you

Those first two numbers are two different walls, and drivers regularly mistake them for one. $25,000 is the most the policy pays for any single person's injuries. $50,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $25,000 is all your insurer owes, however large the bill. Injure three people and they divide $50,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.

The $25,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 2 states on this site set a higher one. Whatever the repair or replacement actually costs above $25,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.

None of this is what New Hampshire drivers actually spend. The average premium written per insured vehicle here was $391 in 2023, 32nd highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.

Carrying the minimum is legal, not safe. It is the line below which New Hampshire will not let you drive — and the penalties for falling under it are on the driving uninsured page.

Common questions

Is uninsured motorist coverage required in New Hampshire?

Required on every policy; matches your liability limits.

Is PIP required in New Hampshire?

None — medical payments coverage is required instead.

Is full coverage required in New Hampshire?

No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what New Hampshire law requires. A lender or leasing company will usually require them until the car is paid off.

Every statute cited for New Hampshire

Why the rule looks like this

More on New Hampshire

Checked against the primary sources above on September 29, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.