New Hampshire Car Insurance Quotes

Liability Coverage pays for damages to others for which you are legally liable. If you buy Auto Insurance in New Hampshire, the minimum limits available for liability coverage are 25/50/25, or:

• $25,000 for bodily injury or death to one person.
• $50,000 total per accident for bodily injury or death.
• $25,000 for damage to property.

Liability Coverage does not pay to repair damage to your own auto. This type of insurance is called Collision (damage due to contact with another auto or object) and Comprehensive (damage incurred due to reasons other than a collision) Coverage.

Per New Hampshire Statutes, NH RSA 264:16, if you buy Auto Insurance for personal use, you must also buy Medical Payments Coverage. Medical Payments Coverage pays for medical expenses incurred as a result of an automobile accident (regardless of fault). By law, you must buy at least $1,000 of Medical Payments Coverage.

Per New Hampshire Statutes, NH RSA 264:15, if you buy Auto Insurance you must also purchase Uninsured Motorists Coverage. Uninsured Motorists Coverage provides coverage should injuries result from an accident involving an at-fault uninsured driver, or a hit and run driver. It also protects against injuries caused by insured drivers whose coverage is less than your own. In New Hampshire, Uninsured Motorists Coverage must be provided at limits equal to your Auto Liability Coverage.

You do not have to buy Collision Coverage or Comprehensive Coverage to protect your autos, unless you are obligated by your lender. If you do not purchase coverage for either or both of these options, you will need to personally fund any repair to your auto made necessary due to collision with another auto or a normally covered non-collision loss.