Car insurance in New Hampshire
Minimum requirements and how to get cheap auto insurance in New Hampshire
Minimum requirements and how to get cheap auto insurance in New Hampshire
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If you live in New Hampshire or you’re planning to move there, you should know the ins and outs of what the state requires when it comes to car insurance. Read on to learn more about the state’s laws and regulations, as well as some ways you might find a favorable rate on your coverage.
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New Hampshire lands on the cheap side of the national average for car insurance costs, typically in the range of $1,100 to $1,200 per year. This means if you’re looking for standard coverage, you could pay a price close to that range.
New Hampshire has midsize cities like Manchester with 110,000 residents and small hamlets like Hancock with just 1,500. With many rural areas and more empty acres of land than there are people, there tends to be a variety in insurance costs.
Within a small state like this one, the rule of thumb is if you live in a more rural area, you’re likely to pay less. If you live in cities like Manchester and Concord you’re likely to pay more to insure your car.
Looking for some ways to save money on your auto insurance in New Hampshire? No matter what state you’re in, you can use our general tips to lower your premiums and get a better value out of your coverage.
This is where things get really interesting. New Hampshire is one of a few states that actually doesn’t require car insurance coverage to drive. So what is required? If you cause an accident involving another car, you’re liable for damages and injuries resulting from the accident — so whether you have insurance or not, there’s probably a big bill to pay.
Despite having no legal obligation, most New Hampshire drivers opt to get car insurance anyway so they’re covered if an accident happens. And the state’s 9.9% rate of uninsured drivers is actually lower than the 13% national average in 2015.
If you do decide to carry car insurance in this state, your policy should include at least:
You can also get additional types of insurance to better protect yourself, including:
Unless you’re in an accident, nothing much.
The state has no laws requiring drivers to be insured, but you’ll be held liable for damages resulting from any accident you cause on the road. You’ll also have to pay for repairs to your own vehicle, whether the damages occur in a traffic accident, if you hit a deer or if your car is flooded.
If you cause an accident in New Hampshire without insurance coverage or the means to pay for all the damages, here’s what you can expect:
For these reasons, more than 90% of drives in New Hampshire choose to have car insurance anyway. And unless you have a large reserve of cash to cover accident costs, you may want to have a safety net if the worst-case scenario happens.
All car insurance policies in New Hampshire are required to include uninsured motorist coverage. This might seem strange, imposing minimums on a state where car insurance isn’t required, but the aim is to make sure you’re covered even if an uninsured driver doesn’t have their own policy or the cash to pay for all damages and injuries.
Yes, you can. You might need temporary insurance coverage for a short period for a borrowed car or rental car. And while it’s perfectly legal to purchase short-term car insurance for less than six months, most insurance companies won’t offer this option. Call your insurance provider or contact an online provider to find out your options. You may want to look for a policy that lets you cancel for no or low fees and transfer to a more long-term option when you’re ready.
While most states have similar road and traffic laws, New Hampshire has a few regulations that stand out.
Not all of New Hampshire’s driving laws are going to apply to you — for example, it’s illegal to inhale the exhaust fumes of a bus for pleasure, but you weren’t going to do that anyway, were you? Regardless, it’s good to know the laws of the land before you find yourself with a citation for something you didn’t realize was regulated.
New Hampshire’s drunk driving laws use the same standards as the rest of the US — having a blood alcohol content (BAC)over 0.08% is enough to get charged with driving while intoxicated (DWI), and if you’re a commercial driver, all it takes is a BAC of 0.04%.
Here are the penalties for getting a first, second and third DWI offense in New Hampshire.
New Hampshire also has laws for Aggravated DWI that involves driving drunk and the following crimes:
Conviction of Aggravated DWI is likely to result in steeper fines, longer jail sentences and longer license suspensions than a standard drunk driving offense.
Yes, and if you’ve been in an accident without car insurance or if you’ve had other serious violations on your record like a DWI, the state can mandate an SR-22 filing.
An SR-22 certificate tells the state you have at least the minimum required insurance to get back on the road.
Car accidents can be unsettling, even a small fender bender. Try to stay calm and follow these steps to keep the process as simple and safe as possible.
New Hampshire is an at-fault or tort state. This means if you cause an accident and injure someone else or damage their vehicle, you’re held liable for those damages or injuries.
If anyone is injured, dies or if there is property damage greater than $1,000, you’re required to report the accident to local law enforcement right away. Failing to report an accident with serious damages or injuries can be considered a crime, and leaving the scene of an accident before the police arrive can also get you into serious legal trouble.
If law enforcement is not called to the scene of an accident, you’ll need to complete a Motor Vehicle Accident Report with the Division of Motor Vehicles within 15 days of the accident.
If you drive in New Hampshire without car insurance, you aren’t breaking the law, but you’re opening yourself up to some very large risks. And if you’re involved in an accident, the financial and legal consequences could be far more painful than paying regular insurance premiums. Consider your car insurance options in New Hampshire to find the best coverage for you and your vehicle.
To learn more about what you’ve read here, from laws in your state to special discounts and provider options, visit our comprehensive guide to car insurance.
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