New Hampshire Auto Insurance Quotes

New Hampshire auto insurance Nothing kills more people ages 5 to 34 than motor vehicle crashes. According to studies by the Centers for Disease Control, the state of New Hampshire has incurred $143 million in fatal crash-related costs in a single year. Due to the risks of being on the road, all drivers should consider coverage for unforeseen events to avoid financial liability.

If you are driving in New Hampshire, you're not automatically required to carry auto insurance. However, under New Hampshire Statute RSA 264, you are required to provide proof of financial liability to drive. This proof can constitute an insurance certificate that meets the state's liability terms, or evidence of assets to cover financial burdens if you injure another person or damage his or her property.

If you purchase auto insurance to drive in New Hampshire, the New Hampshire Division of Motor Vehicles requires these minimum liability coverage limits:

  • $25,000 for injuring another person.
  • $50,000 for injuring two or more people.
  • $25,000 for injuring another person's property.

New Hampshire law states that you need to purchase medical payments coverage and uninsured motorist coverage as part of your auto insurance. This is to cover your medical costs in the event of an accident. This protects you if another driver injures you and his or her insurance doesn't cover your costs.

Sample of Annual New Hampshire Auto Insurance Rates

Pittsburg Auto Insurance

Pittsburg is a town in the heart of the "Great North Woods" in northern New Hampshire. Pittsburg is a resort area and offers year-round vacation attractions. Pittsburg calls itself the snowmobiling capital of New England. Pittsburg is the largest town - by area- in New Hampshire and encompasses 291 square miles

U.S. Highway 3 travels through Pittsburg, heading north into Canada and south toward Mt. Washington. New Hampshire Route 145 also heads south to Colebrook.

City Single Married
Low High Low High
Pittsburg $644.00 $2,148.00 $627.00 $1,917.00

Lincoln Auto Insurance

Lincoln is a town in central New Hampshire located in the White Mountains. It is the second largest town in the state by area. It is home to the New Hampshire Highland Games. The Appalachian Trail crosses in the northeast. The Loon Mountain ski resort is in Lincoln.

U.S. Highway 93 travels through Lincoln north to St. Johnsbury and south to Concord. New Hampshire Route 112 travels through town to the east and west through the White Mountain National Forest.

City Single Married
Low High Low High
Lincoln $644.00 $2,010.00 $627.00 $1,917.00

Ossipee Auto Insurance

Ossipee is a town in eastern New Hampshire between the Ossipee Mountain range and several lakes and rivers. In the fall, Ossipee enjoys dazzling fall foliage. The White Mountain Ski Area is within a quick drive, and it claims that it is the "home of the first snowmobile."

New Hampshire Route 16 travels through Ossipee north to Conway and south to Rochester. New Hampshire Route 25 travels east through the Ossipee Lake Natural Area and the Heath Pond Bog Natural Area and on into Maine.

City Single Married
Low High Low High
Ossipee $644.00 $2,067.00 $627.00 $1,917.00

Moultonborough Auto Insurance

Moultonborough is a town in central New Hampshire north of Lake Winnipesaukee, the largest lake in New Hampshire. Moultonborough is home to the Castle in the Clouds, an estate set in the Ossipee Mountains. Moultonborough has what they say is the oldest continuing operating business in the United States - the Old Country Store and Museum.

New Hampshire Route 25 heads southwest to Meredith, and northeast toward Ossipee Lake. New Hampshire Route 109 goes south to Wolfeboro. New Hampshire 171 travels east to Ossipee and the Pine River State Forest.

City Single Married
Low High Low High
Moultonborough $644.00 $2,142.00 $627.00 $1,917.00

Conway Auto Insurance

Conway is a town in eastern New Hampshire east of the White Mountain National Forest. Cathedral Ledge and Echo Lake State Park are to the west. Mt. Washington, the highest peak in New Hampshire is just to the north of town. Conway has a number of restaurants and two breweries. The Attitash Mountain Ski Area is to the west.

U.S. Highway 302 heads north from town through the White Mountain National Forest and east from town to Portland, Maine. New Hampshire Route 16 travels south to Rochester and north by Mt. Washington to Berlin.

City Single Married
Low High Low High
Conway $644.00 $2,067.00 $627.00 $1,917.00

Concord Auto Insurance

Concord is the capital of New Hampshire near the center of the state. It has a vibrant downtown a healthy offering of cultural offerings. Concord's downtown has many historic buildings, including the Eagle Hotel, New Hampshire State House and the Phoenix Hall.

Interstate 93 travels north from Concord through the White Mountains and south to Manchester. Interstate 89 travels northwest to Lebanon. U.S. Highway 202 gravels east to Rochester.

City Single Married
Low High Low High
Concord $598.00 $1,901.00 $581.00 $1,847.00

Franconia Auto Insurance

Franconia is a town in the northwest edge of the White Mountains and is home to Franconia Notch State Park. Skiing and outdoor recreation are readily accessible from Franconia, as are a number of historic homes, including the home of noted poet, Robert Frost. The Appalachian Trail travels through the south of town.

Interstate 93 travels through the heart of Franconia. I-93 south leads through the majestic White Mountains and the Franconia Notch State Park. Heading north, I-93 travels through Littleton and on to St. Johnsbury.

City Single Married
Low High Low High
Franconia $644.00 $2,148.00 $627.00 $1,917.00

Waterville Valley Auto Insurance

Waterville Valley is a town in the heart of the White Mountains. Known for the Waterville Valley Ski Area, it is also home to year-round activities, including hiking and fishing. The Mad River flows through the center of town. The town has a population of only about 260 people, but that often swells to more than 5,000 on any given weekend.

New Hampshire Route 49 travels southwest from town through the White Mountains. In the summers, Tripoli Road offers a second route from town, traveling northwest through the mountains, but is closed during the winters.

City Single Married
Low High Low High
Waterville Valley $644.00 $2,009.00 $627.00 $1,917.00

Weare Auto Insurance

Weare is a town in central New Hampshire just southwest of Concord. It is one of the largest towns in the state by area. Weare is a rural community rich with lakes, forests, ponds, mountains, brooks, and hills. The town is named after Meshech Weare, who went on to become New Hampshire's first governor.

New Hampshire Route 77 heads northeast from town, past the Weare Town Forest and continues to Concord. New Hampshire Route 114 travels north past the Pats Peak Ski Area to Henniker. New Hampshire Route 149 heads west to Hillsboro.

City Single Married
Low High Low High
Weare $664.00 $1,969.00 $646.00 $1,965.00

Gilmanton Auto Insurance

Gilmanton is a town that was incorporated in 1727 and named after the Gilman family. It is located in eastern central New Hampshire just north of Concord. A small section of Gilmanton is home to what was once an unprofitable iron-mining operation that is still known as Gilmanton Iron Works.

New Hampshire Routes 106 and 129 both head southwest from town toward Concord. New Hampshire Route 140 travels northeast to Alton and west to Tilton. New Hampshire Route 107 travels north to Laconia.

City Single Married
Low High Low High
Gilmanton $598.00 $2,043.00 $582.00 $1,965.00

City Single Married
Low High Low High
Acworth $598.00 $2,110.00 $582.00 $1,965.00
Alstead $598.00 $1,989.00 $582.00 $1,965.00
Alton $598.00 $2,103.00 $582.00 $1,965.00
Alton Bay $598.00 $2,080.00 $582.00 $1,965.00
Amherst $664.00 $1,920.00 $642.00 $2,086.00
Andover $598.00 $2,043.00 $582.00 $1,965.00
Antrim $598.00 $1,989.00 $582.00 $1,965.00
Ashland $644.00 $2,067.00 $627.00 $1,917.00
Ashuelot $598.00 $2,110.00 $582.00 $1,965.00
Atkinson $716.00 $2,832.00 $694.00 $2,490.00
Auburn $664.00 $2,329.00 $642.00 $2,086.00
Barnstead $642.00 $2,076.00 $621.00 $1,965.00
Barrington $642.00 $2,088.00 $621.00 $1,965.00
Bartlett $644.00 $2,009.00 $627.00 $1,917.00
Bath $644.00 $2,148.00 $627.00 $1,917.00
Bedford $664.00 $2,210.00 $646.00 $2,086.00
Belmont $598.00 $2,043.00 $582.00 $1,965.00
Bennington $598.00 $1,969.00 $582.00 $1,965.00
Berlin $634.00 $2,289.00 $618.00 $2,092.00
Bethlehem $644.00 $2,010.00 $627.00 $1,917.00
Bow $598.00 $1,865.00 $581.00 $1,847.00
Bradford $598.00 $1,755.00 $582.00 $1,965.00
Bretton Woods $644.00 $2,281.00 $627.00 $2,011.00
Bristol $644.00 $2,067.00 $627.00 $1,917.00
Brookline $664.00 $2,170.00 $642.00 $1,965.00
Campton $644.00 $1,799.00 $627.00 $1,917.00
Canaan $644.00 $2,003.00 $627.00 $1,917.00
Candia $642.00 $2,131.00 $621.00 $1,965.00
Canterbury $598.00 $2,105.00 $582.00 $1,965.00
Center Barnstead $598.00 $2,076.00 $582.00 $1,965.00
Center Conway $644.00 $2,009.00 $627.00 $1,917.00
Center Harbor $598.00 $2,076.00 $582.00 $1,965.00
Center Ossipee $644.00 $2,009.00 $627.00 $1,917.00
Center Sandwich $644.00 $2,009.00 $627.00 $1,917.00
Center Tuftonboro $644.00 $2,142.00 $627.00 $1,917.00
Charlestown $598.00 $2,035.00 $582.00 $1,965.00
Chester $642.00 $2,131.00 $621.00 $1,965.00
Chesterfield $598.00 $2,110.00 $582.00 $1,965.00
Chichester $598.00 $1,698.00 $582.00 $1,965.00
Chocorua $644.00 $2,009.00 $627.00 $1,917.00
Claremont $605.00 $2,100.00 $588.00 $1,958.00
Colebrook $644.00 $2,075.00 $627.00 $1,917.00
Concord $598.00 $1,901.00 $581.00 $1,847.00
Contoocook $598.00 $1,865.00 $581.00 $1,847.00
Conway $644.00 $2,067.00 $627.00 $1,917.00
Cornish $598.00 $2,077.00 $582.00 $1,965.00
Cornish Flat $598.00 $2,127.00 $582.00 $1,965.00
Danbury $598.00 $2,127.00 $582.00 $1,965.00
Danville $652.00 $2,088.00 $632.00 $1,965.00
Deerfield $642.00 $2,131.00 $621.00 $1,965.00
Derry $716.00 $2,198.00 $694.00 $2,086.00
Dover $606.00 $2,178.00 $586.00 $1,974.00
Drewsville $598.00 $2,110.00 $582.00 $1,965.00
Dublin $598.00 $2,110.00 $582.00 $1,965.00
Dunbarton $664.00 $1,990.00 $646.00 $1,965.00
Durham $606.00 $2,188.00 $586.00 $1,974.00
East Andover $598.00 $2,076.00 $582.00 $1,965.00
East Hampstead $652.00 $2,200.00 $632.00 $1,965.00
East Kingston $652.00 $2,725.00 $632.00 $2,398.00
East Wakefield $644.00 $2,009.00 $627.00 $1,917.00
Eaton Center $644.00 $2,009.00 $627.00 $1,917.00
Effingham $644.00 $2,009.00 $627.00 $1,917.00
Elkins $598.00 $2,127.00 $582.00 $1,965.00
Enfield $598.00 $2,077.00 $582.00 $1,965.00
Epping $642.00 $2,006.00 $621.00 $1,965.00
Epsom $598.00 $2,131.00 $582.00 $1,965.00
Errol $644.00 $2,148.00 $627.00 $1,917.00
Etna $598.00 $2,132.00 $582.00 $1,917.00
Exeter $652.00 $2,118.00 $632.00 $2,059.00
Farmington $644.00 $2,106.00 $627.00 $1,974.00
Fitzwilliam $598.00 $1,969.00 $582.00 $1,965.00
Francestown $598.00 $2,120.00 $582.00 $1,965.00
Franconia $644.00 $2,148.00 $627.00 $1,917.00
Franklin $598.00 $2,043.00 $582.00 $1,965.00
Freedom $644.00 $2,009.00 $627.00 $1,917.00
Fremont $652.00 $2,101.00 $632.00 $1,965.00
Georges Mills $598.00 $2,127.00 $582.00 $1,965.00
Gilford $598.00 $2,092.00 $582.00 $1,965.00
Gilmanton $598.00 $2,043.00 $582.00 $1,965.00
Gilmanton Iron Works $598.00 $2,076.00 $582.00 $1,965.00
Gilsum $598.00 $2,110.00 $582.00 $1,965.00
Glen $644.00 $2,009.00 $627.00 $1,917.00
Glencliff $644.00 $2,009.00 $627.00 $1,917.00
Goffstown $664.00 $2,210.00 $646.00 $2,086.00
Gorham $634.00 $2,289.00 $618.00 $2,092.00
Goshen $598.00 $2,110.00 $582.00 $1,965.00
Grafton $644.00 $2,009.00 $627.00 $1,917.00
Grantham $598.00 $2,127.00 $582.00 $1,965.00
Greenfield $598.00 $2,120.00 $582.00 $1,965.00
Greenland $640.00 $2,214.00 $623.00 $2,059.00
Greenville $598.00 $1,969.00 $582.00 $1,965.00
Groveton $644.00 $2,075.00 $627.00 $1,917.00
Guild $598.00 $2,110.00 $582.00 $1,965.00
Hampstead $716.00 $2,832.00 $694.00 $2,490.00
Hampton $640.00 $2,214.00 $623.00 $2,059.00
Hampton Falls $640.00 $2,214.00 $623.00 $2,059.00
Hancock $598.00 $1,989.00 $582.00 $1,965.00
Hanover $598.00 $2,077.00 $582.00 $1,965.00
Harrisville $598.00 $2,110.00 $582.00 $1,965.00
Haverhill $644.00 $2,148.00 $627.00 $1,917.00
Hebron $644.00 $2,009.00 $627.00 $1,917.00
Henniker $598.00 $1,989.00 $582.00 $1,965.00
Hill $598.00 $2,076.00 $582.00 $1,965.00
Hillsborough $598.00 $1,969.00 $582.00 $1,965.00
Hinsdale $598.00 $1,989.00 $582.00 $1,965.00
Holderness $644.00 $2,009.00 $627.00 $1,917.00
Hollis $664.00 $1,920.00 $642.00 $2,086.00
Hooksett $713.00 $2,329.00 $691.00 $2,086.00
Hudson $664.00 $2,205.00 $642.00 $2,086.00
Intervale $644.00 $2,009.00 $627.00 $1,917.00
Jackson $644.00 $2,009.00 $627.00 $1,917.00
Jaffrey $598.00 $1,969.00 $582.00 $1,965.00
Jefferson $644.00 $2,148.00 $627.00 $1,917.00
Kearsarge $644.00 $2,009.00 $627.00 $1,917.00
Keene $585.00 $1,982.00 $570.00 $1,747.00
Kingston $652.00 $2,832.00 $632.00 $2,490.00
Laconia $608.00 $2,049.00 $590.00 $1,931.00
Lancaster $644.00 $2,075.00 $627.00 $1,917.00
Lebanon $598.00 $2,077.00 $582.00 $1,965.00
Lee $644.00 $2,292.00 $627.00 $2,020.00
Lempster $598.00 $2,110.00 $582.00 $1,965.00
Lincoln $644.00 $2,010.00 $627.00 $1,917.00
Lisbon $644.00 $2,010.00 $627.00 $1,917.00
Litchfield $664.00 $2,205.00 $642.00 $2,086.00
Littleton $644.00 $2,010.00 $627.00 $1,917.00
Londonderry $664.00 $2,102.00 $642.00 $2,086.00
Loudon $598.00 $1,823.00 $582.00 $1,965.00
Lyme $644.00 $2,010.00 $627.00 $1,917.00
Lyndeborough $598.00 $2,120.00 $582.00 $1,965.00
Madbury $606.00 $2,292.00 $586.00 $2,020.00
Madison $644.00 $2,009.00 $627.00 $1,917.00
Manchester $713.00 $2,722.00 $691.00 $2,404.00
Marlborough $598.00 $2,110.00 $582.00 $1,965.00
Marlow $598.00 $2,110.00 $582.00 $1,965.00
Melvin Village $644.00 $2,142.00 $627.00 $1,917.00
Meredith $598.00 $2,043.00 $582.00 $1,965.00
Meriden $598.00 $2,127.00 $582.00 $1,965.00
Merrimack $664.00 $1,920.00 $642.00 $2,086.00
Milan $644.00 $2,075.00 $627.00 $1,917.00
Milford $664.00 $2,148.00 $642.00 $1,965.00
Milton $598.00 $2,080.00 $582.00 $1,965.00
Milton Mills $644.00 $2,080.00 $627.00 $1,965.00
Mirror Lake $644.00 $2,142.00 $627.00 $1,917.00
Monroe $644.00 $2,148.00 $627.00 $1,917.00
Mont Vernon $598.00 $2,170.00 $582.00 $1,965.00
Moultonborough $644.00 $2,142.00 $627.00 $1,917.00
Nashua $655.00 $2,197.00 $635.00 $2,091.00
Nelson $598.00 $2,110.00 $582.00 $1,965.00
New Boston $664.00 $1,969.00 $646.00 $1,965.00
New Castle $569.00 $2,178.00 $551.00 $2,028.00
New Durham $598.00 $2,080.00 $582.00 $1,965.00
New Hampton $598.00 $2,076.00 $582.00 $1,965.00
New Ipswich $598.00 $1,969.00 $582.00 $1,965.00
New London $598.00 $2,115.00 $582.00 $1,965.00
Newbury $598.00 $2,127.00 $582.00 $1,965.00
Newfields $652.00 $2,364.00 $632.00 $2,082.00
Newmarket $606.00 $2,118.00 $586.00 $2,059.00
Newport $605.00 $2,065.00 $588.00 $1,958.00
Newton $652.00 $2,832.00 $632.00 $2,490.00
North Conway $644.00 $2,067.00 $627.00 $1,917.00
North Hampton $640.00 $2,188.00 $623.00 $2,059.00
North Haverhill $644.00 $2,148.00 $627.00 $1,917.00
North Sandwich $644.00 $2,009.00 $627.00 $1,917.00
North Stratford $644.00 $2,148.00 $627.00 $1,917.00
North Sutton $598.00 $2,127.00 $582.00 $1,965.00
North Walpole $598.00 $2,127.00 $582.00 $1,965.00
North Woodstock $644.00 $2,148.00 $627.00 $1,917.00
Northwood $642.00 $2,131.00 $621.00 $1,965.00
Nottingham $642.00 $2,101.00 $621.00 $1,965.00
Orford $644.00 $2,148.00 $627.00 $1,917.00
Ossipee $644.00 $2,067.00 $627.00 $1,917.00
Pelham $716.00 $2,541.00 $694.00 $2,361.00
Peterborough $598.00 $1,969.00 $582.00 $1,965.00
Piermont $644.00 $2,148.00 $627.00 $1,917.00
Pike $644.00 $2,148.00 $627.00 $1,917.00
Pittsburg $644.00 $2,148.00 $627.00 $1,917.00
Pittsfield $642.00 $2,131.00 $621.00 $1,965.00
Plainfield $598.00 $2,077.00 $582.00 $1,965.00
Plaistow $652.00 $2,832.00 $632.00 $2,490.00
Plymouth $644.00 $1,799.00 $627.00 $1,917.00
Portsmouth $569.00 $2,146.00 $551.00 $2,028.00
Randolph $634.00 $2,461.00 $618.00 $2,170.00
Raymond $642.00 $2,004.00 $621.00 $1,965.00
Rindge $598.00 $2,120.00 $582.00 $1,965.00
Rochester $583.00 $2,106.00 $566.00 $1,974.00
Rollinsford $606.00 $2,106.00 $586.00 $1,974.00
Rumney $644.00 $2,067.00 $627.00 $1,917.00
Rye $640.00 $2,214.00 $623.00 $2,059.00
Rye Beach $640.00 $2,583.00 $623.00 $2,274.00
Salem $716.00 $2,438.00 $694.00 $2,361.00
Salisbury $598.00 $2,076.00 $582.00 $1,965.00
Sanbornton $598.00 $2,076.00 $582.00 $1,965.00
Sanbornville $644.00 $2,086.00 $627.00 $1,917.00
Sandown $642.00 $2,101.00 $621.00 $1,965.00
Seabrook $652.00 $2,770.00 $632.00 $2,438.00
Silver Lake $644.00 $2,009.00 $627.00 $1,917.00
Somersworth $583.00 $2,106.00 $566.00 $1,974.00
South Acworth $598.00 $2,110.00 $582.00 $1,965.00
South Sutton $598.00 $2,127.00 $582.00 $1,965.00
South Tamworth $644.00 $2,009.00 $627.00 $1,917.00
Spofford $598.00 $2,147.00 $582.00 $1,965.00
Springfield $598.00 $2,127.00 $582.00 $1,965.00
Stoddard $598.00 $2,110.00 $582.00 $1,965.00
Strafford $642.00 $2,076.00 $621.00 $1,965.00
Stratham $640.00 $2,214.00 $623.00 $2,059.00
Sugar Hill $644.00 $2,148.00 $627.00 $1,917.00
Sullivan $598.00 $2,110.00 $582.00 $1,965.00
Sunapee $598.00 $2,115.00 $582.00 $1,965.00
Suncook $639.00 $1,901.00 $619.00 $1,847.00
Swanzey $585.00 $2,149.00 $570.00 $1,895.00
Tamworth $644.00 $2,067.00 $627.00 $1,917.00
Temple $598.00 $2,120.00 $582.00 $1,965.00
Thornton $598.00 $2,009.00 $582.00 $1,917.00
Tilton $598.00 $2,131.00 $582.00 $1,965.00
Troy $598.00 $1,969.00 $582.00 $1,965.00
Twin Mountain $644.00 $2,148.00 $627.00 $1,917.00
Union $644.00 $2,058.00 $627.00 $1,965.00
Walpole $598.00 $1,989.00 $582.00 $1,965.00
Warner $598.00 $1,989.00 $582.00 $1,965.00
Warren $644.00 $2,009.00 $627.00 $1,917.00
Washington $598.00 $2,110.00 $582.00 $1,965.00
Waterville Valley $644.00 $2,009.00 $627.00 $1,917.00
Weare $664.00 $1,969.00 $646.00 $1,965.00
Wentworth $644.00 $2,148.00 $627.00 $1,917.00
West Chesterfield $598.00 $2,110.00 $582.00 $1,965.00
West Lebanon $598.00 $2,132.00 $582.00 $1,917.00
West Nottingham $642.00 $2,101.00 $621.00 $1,965.00
West Ossipee $644.00 $2,009.00 $627.00 $1,917.00
West Stewartstown $644.00 $2,148.00 $627.00 $1,917.00
Westmoreland $598.00 $2,110.00 $582.00 $1,965.00
Whitefield $644.00 $2,075.00 $627.00 $1,917.00
Wilmot $598.00 $2,127.00 $582.00 $1,965.00
Wilton $598.00 $2,148.00 $582.00 $1,965.00
Winchester $598.00 $1,969.00 $582.00 $1,965.00
Windham $664.00 $2,541.00 $642.00 $2,361.00
Wolfeboro $644.00 $2,194.00 $627.00 $1,937.00
Woodsville $644.00 $2,010.00 $627.00 $1,917.00

Finding Auto Insurance Resources in New Hampshire

The New Hampshire Insurance Department regulates the insurance industry in the state. If you want to find an insurer or agent who can legally provide auto insurance in the state, the department's directory can help you. Any insurer or agent not listed with the department cannot provide you with coverage for the state.

If you are a victim of auto insurance fraud, the New Hampshire Insurance Department can assist you. You should report any insurance fraud using the Fraud Referral Form. If you are aware of fraud but you are not a victim, you can also use this form.

Tips for Auto Insurance in New Hampshire

If you are seeking driver registration in the state of New Hampshire, provide evidence of your financial liability. This means you should give your local city or town clerk's office your original insurance certificate. Alternatively, you can prove you are able to cover the 25/50/25 liability using your finances.

Liability coverage doesn’t provide you and your vehicle with protection; it only protects others. To protect your own car, consider buying collision coverage. This protects you and your car by entitling you to financial protection for legal costs, bodily damage and property damage.

Check to see if you qualify for any of these discounts with your auto insurance provider:

  • Insuring your car and home with the same company.
  • Having a good driving record.
  • Making good grades in school.
  • Insuring multiple cars.

Not all companies offer the same discounts, so request auto insurance quotes from at least six auto insurers in New Hampshire to get the best offer.

Moving to New Hampshire: Important Information

If you are new to New Hampshire and want to register your vehicle, you must follow a set procedure with your local town or city clerk's office. You should provide proof of residency and title of car ownership. If your license plates will soon expire, you can request a 60-day temporary plate. The registration fees for each vehicle vary between each town and city, so check with your local office for detailed information.

The state of New Hampshire permits local clerk's offices to inspect your vehicle for emissions. If your car is more than 40 years old, these inspections take place once every two years.

Understanding Driving Laws in New Hampshire

The blood-alcohol content limit in New Hampshire is 0.08 percent, and the first offense comes with a six-month license suspension. Penalties may also include installing an ignition interlock, which prevents the offender from starting his or her vehicle without engaging a vehicle-mounted Breathalyzer test.

There is no ban in place for cellphone usage, but there is a ban on texting while driving.

Children 6 years and younger who are less than 55 inches tall must use a child restraint seat. Adult seat belts are required for those ages 7 through 17 who are at least 55 inches tall.

Details on these New Hampshire laws and many others are found of the state's page of the Insurance Institute for Highway Safety website.

Frequently Asked Questions About New Hampshire Auto Insurance

1. Who decides which driver is at fault when you are involved in an accident in New Hampshire?

In New Hampshire, the comparative negligence law means you and the other driver may share negligence. Under this law, you can only process a claim with the other person's insurance company if your negligence is less than 50 percent.

2. When can an insurance company consider a car a total loss in New Hampshire?

Under New Hampshire Statute 261:22 VI (b), an insurance company can only consider your car a total loss when 75 percent or more of its fair market value is damaged. This applies during its model year and for four years afterward.

3. Can an insurance company deduct a payout for preexisting problems like rust?

In New Hampshire, an auto insurance company can deduct for preexisting disrepair. An insurer doesn’t have to make a car better than it was prior to the loss or damage.

How to Get Great Rates on New Hampshire Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.

Average cost of car insurance by state

Find out how a county’s insurance rate stacks up against the state average, as well as how it fares against other counties in the state.

Use our interactive map to find out:

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