New Hampshire Car Insurance Car Insurance Quote in NH
The average auto insurance premium for residents in New Hampshire is $1,662 in 2009; the national average is $1,790.
New Hampshire Car Insurance
New Hampshire has a financial responsibility law that requires all motorists to have insurance or to have enough money to pay for damages to others that may be caused by a motor vehicle. Most drivers in New Hampshire decide to satisfy the requirements of the New Hampshire Financial Responsibility Law by buying auto insurance. It is advised that you get at least the minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, in addition to Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 25/50/25 coverage.
New Hampshire Insurance Coverage:
- Bodily Injury Liability: $25,000/$50,000 Limit
- Property Damage Liability: $25,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
- Medical Payments: $1,000 Limit
- New Hampshire does not have compulsory auto insurance liability laws, but you must be financially responsible for your actions
The state of New Hampshire follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). New Hampshire does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
