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Auto Insurance in New Hampshire

New Hampshire is in a category all its own when it comes to auto insurance. There is no state law that requires drivers to have insurance in order to drive legally. Instead, insurance is only required for those who have previously been involved in an auto accident. Should an accident occur, you will have to procure insurance for your car, pay for the damages caused, and file an SR-22. An SR-22 is simply a document that verifies that you have auto insurance and that you are required to carry it for a specific amount of time. It serves mainly to alert law enforcement and other officials to your high-risk status.

Should you need insurance in New Hampshire, state law mandates the following coverage for drivers:

•     $25,000 injury coverage per person, $50,000 injury coverage per accident, and $25,000 property damage coverage per accident for Liability Coverage
•     $1,000 for medical payments coverage per accident
•     Uninsured Motorist Coverage at the same limits as Liability Coverage

Driving without insurance in the first place is financially irresponsible. Imagine if you cause an accident that creates $500,000 in total damages. Unless you're obscenely rich, you can't just pull this kind of money out of your pocket to pay for the expenses. Thus, you should get auto insurance in New Hampshire, regardless of whether the law requires it or not.

By shopping around, you can compare insurance rates and find the best deal on auto insurance for your specific needs. There are many companies that offer discounts on auto insurance, so you need to inquire about this, as well. Insurance quotes are free, so you should check with as many companies as you'd like when shopping for auto insurance in New Hampshire.