Minimum Car Insurance in New Hampshire

New Hampshire's financial responsibility law (RSA chapter 264) requires proof of financial responsibility in specific situations. When proof of financial responsibility is required (for example after certain convictions or an accident without insurance), it must cover at least 25/50/25: $25,000 for bodily injury or death of one person, $50,000 for injury or death of two or more people in one accident, and $25,000 for property damage. A motor vehicle liability policy must meet those limits, include at least $1,000 per person of medical payments coverage, and include uninsured motorist coverage. Proof may be given by an insurer or surety certificate or by a deposit of money or securities with the state treasurer.

New Hampshire uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists New Hampshire among the "Tort States."

Every motor vehicle liability policy for a vehicle registered or principally garaged in New Hampshire must include uninsured and hit-and-run motorist coverage at least equal to the 25/50 bodily injury minimums. If the insured buys higher liability limits, UM coverage automatically equals those liability limits. Umbrella or excess policies must also provide UM coverage equal to their limits unless the named insured rejects it in writing.