Car-insurance requirements in New Hampshire (2026)
New Hampshire is the one state that does not require drivers to buy liability insurance at all.
- Minimum liability limits
- no mandate
- Fault system
- At-fault (tort)
- Tort threshold
- not applicable
- Restricted rating factors
- none found
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Liability insurance RSA 264:20 sets 25/50/25 only "whenever required under this chapter" — a financial-responsibility trigger, not a purchase mandate. RSA 264:22 allows a deposit with the state treasurer instead of a policy. | not mandated | no purchase requirement | N.H. RSA 264:20; RSA 264:22 |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
The part most published tables get wrong
The statute sets limits that apply only where a financial-responsibility requirement has been triggered, and a separate section allows a deposit with the state treasurer in place of a policy. Publishing New Hampshire’s figures as a minimum a driver must carry states a requirement that does not exist, so this page renders them as what they are: the limits that bind once a trigger applies.
How old is this minimum?
Our committed statutory record for New Hampshire does not carry the date its current limits took effect, so no real-terms restatement is shown. We will not deflate from a year we have not read in the statute or its enacting bill. The limits themselves are confirmed against primary text; only the commencement date is missing.
What the property-damage minimum leaves exposed
New Hampshire does not require drivers to buy liability insurance. Its published limits apply only once a financial-responsibility requirement is triggered, and the statute also allows a deposit with the state in place of a policy. There is no universal minimum to measure a claim against.
Rating rules in New Hampshire
| Factor | Status | Authority |
|---|---|---|
| Credit information | No restriction found | — |
| Gender | No restriction found | — |
| ZIP code | No restriction found | — |
| Rating territory | No restriction found | — |
| Age | No restriction found | — |
| Marital status | No restriction found | — |
| Occupation | No restriction found | — |
| Education | No restriction found | — |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for New Hampshire
New Hampshire Insurance Department publishes filed sample rates for 7 driver profiles across 9 rating territories, quoted as annual premiums. We compute the distribution of those filed rates — 2,025 of them — and publish the count, the lowest, the quartiles, the median and the highest for every published combination.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
New Hampshire — no universal purchase mandate
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Liability insurance RSA 264:20 sets 25/50/25 only "whenever required under this chapter" — a financial-responsibility trigger, not a purchase mandate. RSA 264:22 allows a deposit with the state treasurer instead of a policy. | not mandated | no purchase requirement | N.H. RSA 264:20; RSA 264:22 |
Fault system: At-fault (tort).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about New Hampshire
- What is the minimum car insurance required in New Hampshire?
- New Hampshire does not require drivers to buy liability insurance. Its published limits apply only once a financial-responsibility requirement is triggered.
- Is New Hampshire a no-fault state?
- New Hampshire operates at-fault (tort).
- Where can I see what drivers in New Hampshire actually pay?
- New Hampshire Insurance Department publishes filed sample rates for the driver profiles it defines. We compute the distribution of those filed rates and publish it, with the count behind every figure.
Statutory records for New Hampshire last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.