Is New Hampshire a no-fault state?
No. New Hampshire is an at-fault state, and it does not require most drivers to carry auto insurance. But if you cause a crash, you must be able to pay for the damage, or you can lose your driving privileges.
Last checked November 9, 2026 · Official sources (5)
How does New Hampshire car insurance work?
“New Hampshire motor vehicle laws do not require you to carry auto insurance, but you must be able to demonstrate that you are able to provide sufficient funds to meet New Hampshire motor vehicle financial responsibility requirements in the event of an “at fault” accident.”
New Hampshire Insurance Department, Automobile Insurance Consumer FAQ (2022)
What is New Hampshire's minimum car insurance?
| Coverage | What New Hampshire requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
| Personal injury protection (PIP) | There is no PIP requirement. If you buy insurance, you must include at least $1,000 of Medical Payments coverage, which pays medical bills no matter who was at fault. |
| Uninsured motorist | If you buy auto insurance, it must include uninsured motorist coverage, at limits equal to your liability coverage. |
Other at-fault states
Questions
How much insurance does New Hampshire require?
If you buy auto insurance, the minimum liability limits are $25,000 per person and $50,000 per crash for injuries, and $25,000 for property damage.
What if you were partly at fault in New Hampshire?
If you were partly at fault, your money is cut by your share of the blame, and you get nothing only if your fault is greater than the fault of those you are suing.
Hurt in a crash in New Hampshire? Find out if you are owed money.
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See if I’m owed moneySources (5)
- New Hampshire Insurance Department, Automobile Insurance Consumer FAQ (2022), checked 2026-11-09. “New Hampshire motor vehicle laws do not require you to carry auto insurance, but you must be able to demonstrate that you are able to provide sufficient funds to meet New Hampshire motor vehicle financial responsibility requirements in the event of an “at fault” accident.”
- New Hampshire Insurance Department, Automobile Insurance Consumer FAQ (2022), checked 2026-11-09. “If you buy auto insurance in New Hampshire, the minimum limits available for Liability Coverage are 25/50/25, meaning $25,000 per person for bodily injury, up to $50,000 if 2 or more persons are hurt, and up to $25,000 for property damage.”
- New Hampshire Insurance Department, Automobile Insurance Consumer FAQ (2022), checked 2026-11-09. “Medical Payments Coverage pays for medical expenses incurred as a result of an automobile accident, regardless of who is at fault. By law, you must buy at least $1,000 of Medical Payments Coverage.”
- New Hampshire Insurance Department, Automobile Insurance Consumer FAQ (2022), checked 2026-11-09. “Pursuant to NH RSA 264:15, if you buy auto insurance you must also purchase Uninsured Motorists Coverage.”
- New Hampshire RSA 507:7-d, checked 2026-11-09. “if such fault was not greater than the fault of the defendant, or the defendants in the aggregate if recovery is allowed against more than one defendant, but the damages awarded shall be diminished in proportion to the amount of fault attributed to the plaintiff”