Minimum car insurance in New Hampshire.
What New Hampshire requires, in plain words, and why the minimum may not be enough.
The minimum limits
In New Hampshire, the minimum liability limits are written 25/50/25 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
New Hampshire is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort state. Insurance is not mandatory; drivers must show financial responsibility after a crash or violation (25/50/25). If insured, UM/UIM and $1,000 med pay are included.
What the minimum means in practice
Say a crash you cause injures three people. The New Hampshire minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in New Hampshire
New Hampshire law does not require drivers to carry auto insurance, but a driver who cannot meet financial responsibility requirements after an at-fault accident may have driving privileges suspended. The pages read list no fine for lacking insurance.
Proof of insurance
New Hampshire does not require drivers to carry auto insurance, but after an at-fault accident drivers must be able to show they can meet financial responsibility obligations.
SR-22 and similar filings
The DMV may require an SR-22 after any DWI, leaving the scene of an accident, or a second reckless operation offense, and the filing period can be extended after review by the Bureau of Financial Responsibility.
Also worth knowing in New Hampshire
The Insurance Department's guide says drivers buying a personal-use policy must buy at least $1,000 of Medical Payments coverage (RSA 264:16), and that uninsured motorist coverage is required under RSA 264:15.
Your state regulator
New Hampshire Insurance Department is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is New Hampshire a no-fault state?
New Hampshire is generally an at-fault state.