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New Hampshire Car Insurance Resources

New Hampshire Car Insurance

Car Insurance Rates in NH

^ From 2006 to 2010, New Hampshire cities had the 25th highest auto insurance rates in the nation. [2]

Car Insurance in NH by City

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Cars Insured in NH

^ New Hampshire ranked 41st of all U.S. states in total auto insurance policies in 2011. [1]

NH Car Insurance

Car Insurance in New Hampshire

Car Insurance Liability Requirements in New Hampshire

  • Minimum Liability Limits in NH: 25/50/25 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
    • Note: In addition, policyholders must also carry at least $2,000 for medical payments.

Required Car Insurance Coverage in New Hampshire

Required Car Insurance Coverage in New Hampshire
  • Auto Insurance Coverage Requirements in NH [4]
    • Uninsured motorist coverage
    • Financial responsibility only (insurance not compulsory)

Car Insurance Verification Laws in New Hampshire

  • Insurer Verification of Auto Insurance in NH [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

New Hampshire Car Insurance Facts, Estimates & Related Laws

New Hampshire Car Insurance Facts

New Hampshire Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in NH
    • New Hampshire had the 29th highest auto insurance rates in the nation in 2010. [2]
    • Rates in NH ranked 28th in the nation in 2009. [2]
    • In 2008, NH had the 26th highest rates in the country. [2]
  • Number of Auto Insurance Policies in NH
    • New Hampshire ranked 41st in the nation in auto insurance policies in 2011 with a total of 896,848. [1]
  • Uninsured Motorist Rate in NH
    • The uninsured motorist rate in NH ranked 33rd in the nation in 2009. [3]

New Hampshire Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

New Hampshire Automotive Laws

  • Safety Belt Laws in NH
    • The state of New Hampshire is the only state that has no safety belt law in place at all. [7]
    • Child restraint law in place for 6 years and younger who are less than 57 inches (effective 01/01/14). [7]
  • Motorcycle Helmet Laws in NH
    • No law in place.. [7]
  • Driver's License Renewal Cycle in NH
    • Renewal cycle: 5 years [7]

New Hampshire Auto & Driver Facts

New Hampshire Automotive Facts

New Hampshire Auto & Driver Facts
  • Speed Limits in NH
    • Rural interstates: 65 mph (70 mph on specified segments of road) [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in NH
    • New Hampshire cities collectively ranked 41st in the nation in total motor fuel consumption in 2011. [9]

New Hampshire Licensed Drivers

  • Licensed Drivers in NH [10]
    • Total Drivers: 1,056,889
    • Female: 527,010
    • Male: 529,879
    • NH has the 40th most drivers in the U.S.
  • Minimum Driving Age in NH [5]
    • New Hampshire has a minimum driving age of 15 years, 6 months.

New Hampshire Auto Registrations

  • Auto Registrations in NH [8]
    • Registered Cars: 594,931
    • Registered Trucks: 601,080
    • Registered Motorcycles: 79,267
    • Total Registrations: 1,278,484
    • Rank: New Hampshire ranked 40th in the United States in total auto registrations in 2011.

Additional information about New Hampshire

About New Hampshire

New Hampshire has a population of approximately 1,316,470, which ranks 42nd in the U.S. among all states. [6]

NH Car Insurance

More about New Hampshire auto insurance

For more information about auto insurance in NH, or for additional resources regarding New Hampshire car insurance, visit the New Hampshire Department of Insurance.

Did you know?

Of all U.S. states, Mississippi had the highest uninsured motorist rate (28 percent) when last measured.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

New Hampshire Cities