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New Hampshire Minimum Car Insurance and Penalties for Driving Without It
The short answer
New Hampshire does not require most drivers to carry insurance. After certain events, such as an accident while uninsured or some serious driving convictions, a driver must file proof of financial responsibility (normally an SR-22 policy) with at least $25,000/$50,000 bodily injury and $25,000 property damage liability.
New Hampshire at a glance
| Minimum liability | New Hampshire does not require most drivers to carry insurance. After certain events, such as an accident while uninsured or some serious driving convictions, a driver must file proof of financial responsibility (normally an SR-22 policy) with at least $25,000/$50,000 bodily injury and $25,000 property damage liability. |
|---|---|
| Other required coverage | If a liability policy is written, it must include uninsured motorist coverage at least equal to the liability minimums, and private passenger policies must include medical payments coverage of at least $1,000 per person. |
| First offense for driving uninsured | There is no fine for simply driving uninsured, because insurance is not generally required. After an accident report, the state suspends the license and registration of an uninsured driver and owner and requires the plates to be surrendered until they provide security for any judgment and proof of future financial responsibility (SR-22), which generally ends after 3 years. |
| Repeat offense | Not confirmed on a state source; ask the agency |
| Fee to restore after a lapse | $100 license restoration fee for a suspension or revocation longer than 15 days (a general fee, not one set only for insurance). |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in New Hampshire?
New Hampshire does not require most drivers to carry insurance. After certain events, such as an accident while uninsured or some serious driving convictions, a driver must file proof of financial responsibility (normally an SR-22 policy) with at least $25,000/$50,000 bodily injury and $25,000 property damage liability.
What happens if you drive without insurance in New Hampshire?
There is no fine for simply driving uninsured, because insurance is not generally required. After an accident report, the state suspends the license and registration of an uninsured driver and owner and requires the plates to be surrendered until they provide security for any judgment and proof of future financial responsibility (SR-22), which generally ends after 3 years.