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New Hampshire Car Insurance

New Hampshire is a state in New England, in the northeast of the United States of America. The state’s motto is “Live Free or Die”, which is one of the more powerful state mottos. It represents the New Hampshire lifestyle. There is no sales tax and income is not generally taxed. It played a key role in the Revolutionary War and War of 1812. It is the centralized hot spot of winter sport in New England and the northeast with its great ski/snowboard resorts. New Hampshire is the “Granite State”, as the slate and quarries have, over time, helped build some of the most beautiful and cherished lakes in the country. Some come from all over the nation to camp along one of New Hampshire’s many lakes and enjoy the true American sense of freedom.

new hampshire

New Hampshire Auto Insurance Resource from forautoinsurancequotes.com (Image source FLICKR)

Roadways in New Hampshire are some of the best and most efficient for the state’s size proportionate to its maintenance and travel times. This accounts for paying the toll when entering and exiting the state through major roadways, but I for one can say that it is well worth it because the Public Works Department does a great job. Never do you feel worried about the roads on major roads no matter the type of weather or conditions. There are a number of highways, interstates, and historic routes linking New Hampshire with neighboring states and the popular I-95 and Route 1. Rail systems are available for interstate travel and some integrated public travel, but if you live in New Hampshire it is almost a guarantee that you use an automobile to commute regularly. Great news is New Hampshire has great insurance premiums at great prices. This is a state that always has savings, so annual shopping for new savings is always recommended.

Average Auto Insurance Rates in New Hampshire

Here are some average auto insurance rates for the state of New Hampshire, its major cities, and its popular towns. This will provide you with a sense of where you stand and which rates make the most sense once we get started.

*Current Average Annual Insurance Premiums in New Hampshire: $1,208 ! –> $1,374 (High) – $1,042 (Low)

*Averages for Major Cities and Popular Towns in New Hampshire:

  • *Manchester: $1,384
  • *Newburyport: $845
  • *Portsmouth: $1,141
  • *Dover: $1,149
  • *Laconia: $1,100
  • *Conway: $1,177
  • *Berlin: $1,157
  • *Canaan: $956
  • *Concord: $1,045
  • *Keene: $1,059
  • *Nashua: $1,220

Minimum Auto Insurance Requirements in New Hampshire

While not being as high as other states, New Hampshire does require auto insurance of some kind by law. As each person is unique, some choose to have more than the minimum and some even risking none at all which can cause penalties. Young and new drivers both have their own additional set of requirements. Following these rules can help new and young drivers get a head start at a stellar driving record and prevent early issues in one’s time driving.

Here is a breakdown of the state minimum requirements for auto insurance and the most common scale of coverage in the state of New Hampshire:

State Minimum Requirements:

  • *Bodily Injury Liability: $25,000/$50,000
  • *Property Damage Liability: $25,000
  • *Uninsured Motorist Bodily Injury: Required
  • *Medical Payments: Required
  • *Collision: Not Required
  • *Comprehensive: Not Required

Most Common Auto Coverage:

  • *Bodily Injury Liability: $100,000/$300,000
  • *Property Damage Liability: $50,000
  • *Uninsured Motorist Bodily Injury: $100,000/$300,000
  • *Medical Payments: $5,000
  • *Collision: 500 Deductible
  • *Comprehensive: 100 Deductible

Graduated Driver Licensing

  • Minimum Entry Age: 15 years, 6 months; 16 is optimal
  • Extended Learner Period: at least 6 months
  • Parent Certification: 30 hours minimal
  • Night Restriction: 9 or 10pm
  • Passenger Restriction: No teenager passengers or only one family member
  • Minimum Exit Age and Restrictions are Lifted: 16 years, 6 months; 18 optimally

Penalties for Driving Without Auto Insurance in New Hampshire

Penalties in New Hampshire are simple and to the point. If you fail to maintain financial responsibility as insurance, then you could have your license and registration suspended. There will be fees when you go and provide ample insurance coverage and you will have your license and registration reactivated.

4-Insure and Getting Cheap Auto Insurance In NH

Shopping for cheap and sufficient coverage can be much easier when using a guide. 4- Insure.com is that guide which helps you find the best auto insurance by America’s top insurance providers. Use our quote tool to get a range of rates for great premiums. First enter your current zip code and then some basic information about you, your vehicle, and your driving history. You will then have the choice to find the best insurance for you based on these rate quotes.

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