New Hampshire Auto Insurance

Driving in the Granite State

New Hampshire is only about 190 miles tall, but it would take you about four hours to drive from Nashua to the White Mountains and on to the northern border on the Daniel Webster Highway. If you’re driving south on Interstate 93 from Manchester, on the Spaulding Turnpike in Dover or heading up Wheelock Street in Hanover, wherever you’re driving in New Hampshire it’s a good idea to be covered by at least the recommended minimum car insurance coverage. Talk to your local Safeco insurance agent about coverage that is right for you and to get your New Hampshire auto insurance quote today.

New Hampshire Car Insurance Laws

Car Insurance in New Hampshire

Is car insurance required in New Hampshire?

Though auto insurance in New Hampshire is not mandatory, it’s still a good idea to protect yourself financially from expensive repair and medical cost liability. If you have an auto loan or lease, many lenders will require you to be covered by a minimum amount of car insurance coverage in New Hampshire. Also, if you’ve been convicted of certain types of violations, you’ll be required to file what’s called an SR-22 proof of insurance with the New Hampshire Department of Motor Vehicles.

To learn more about New Hampshire car insurance rates, get your New Hampshire car insurance quote today.

New Hampshire Car Insurance Requirements

What is the minimum car insurance coverage in New Hampshire?

Auto insurance requirements vary by state. Most states require you to have both bodily injury liability and property damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage.

Talk to your New Hampshire Safeco agent for personal advice about product availability in your area and how much coverage is right for you.

Proof of Insurance in New Hampshire

What is proof of insurance?

It’s documentation that verifies a current insurance policy or other form of financial responsibility.

Is proof of insurance required in New Hampshire?

You are only required to file proof of insurance with the New Hampshire DMV in certain situations.

Proof of Financial Responsibility in New Hampshire

What is proof of financial responsibility?

It’s evidence that you have the ability and monetary resources to pay for potential damages caused by your car.

Is proof of financial responsibility required in New Hampshire?

Proof of financial responsibility in New Hampshire is required in certain situations (SR-22).

Mobile Phones and Texting While Driving in New Hampshire

Everyone is prohibited from texting and driving in New Hampshire.

Recommended Auto Insurance Coverage

If you’re involved in an accident, you may not have enough coverage to protect you financially from expensive repair and medical costs. As a safe, responsible driver, consider raising your liability limits and adding collision and comprehensive to your policy.

All car insurance companies in New Hampshire offer coverage to meet your New Hampshire auto insurance needs. Talk to your local Safeco insurance agent about a level of coverage that is right for you and to get an New Hampshire car insurance quote.

New Hampshire Auto Insurance Coverage Options

In addition to our popular auto insurance coverage options, drivers in New Hampshire have even more coverage choices.

Safeco Optimum Package Plus™

For as little as $8 a month get a diminishing collision deductible that decreases $50 every six months, or $100 with an annual policy renewal, for a maximum of $500. Plus increase your personal property coverage up to $1,000 for items stolen from your vehicle, enjoy electronic lock and key replacement coverage with no deductible and much more.

New Hampshire Auto Insurance Discounts

There are numerous ways to save and lower your car insurance rate in New Hampshire. In addition to our popular car insurance discounts, New Hampshire drivers have even more opportunities to save.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount that lasts for up to 10 years. Get your New Hampshire auto insurance quote today and start saving tomorrow.

More Than One Policy

New Hampshireans who also have an active home, condominium or renters policy with Safeco may qualify for an auto insurance discount.

Keep a Clean Driving Record

New Hampshire drivers who maintain a good driving record for at least 34 months may qualify for accident-free and violation-free discounts on their auto insurance rate.

Young Drivers in New Hampshire

Getting Your First Driver’s License

Minimum age to start learning to drive in New Hampshire: 15-1/2
Minimum age to get a youth operator license in New Hampshire: 16
Minimum age to get a standard driver’s license in New Hampshire: 21

  • Drivers under the age of 18 must successfully complete an approved driver education course.
  • Drivers under the age of 21 will be issued a youth operator license.

Teens, Mobile Phones and Texting While Driving

All New Hampshire drivers are prohibited from texting and driving.

Road Trips New Hampshire

Kancamagus Scenic Byway

State highway 112, also known as the Kancamagus Highway or the Kanc, is a 35 mile route through the White Mountain National Forest from Conway to Lincoln. It is considered one of the best routes in the world for viewing fall foliage.

New Hampshire Coastal Byway

Follow the short New Hampshire coastline starting on Route 1B in Portsmouth and continuing on Route 1B to Seabrook Beach. One of the few surviving late 19th century grand hotels, Wentworth by the Sea is located along the route in New Castle, N.H.

General John Stark Scenic Byway

Revolutionary general John Stark coined New Hampshire’s famous motto, “Live Free or Die.” This circular route through Dunbarton, Goffstown, New Boston and Weare follows state Highway 77 and 13.

Things to Do in New Hampshire

Go to the Deerfield Fair

Watch antique tractor, horse and oxen pulls, pig scrambles, pumpkin and squash weigh offs and horse shows amongst other state fair attractions. The Deerfield state fair has been an annual event since 1876.

Visit Strawbery Banke

Dating back to 1630, Strawbery Banke is the oldest neighborhood in Portsmouth N.H. Now an outdoor museum, many of the preserved historical homes and buildings are open to the public.

Climb Mount Monadnock

When you ascend Mount Monadnock it’s more like walking up a big hill than climbing a mountain. The two mile trail to the treeless summit rewards you with a 360 degree view of New England.

New Hampshire Fun Facts

State nickname: Granite State
Residents are called: New Hampshirites
U.S. president born in N.H.: Franklin Pierce
First American in space born in Derry: John Stark
Miles of ocean coastline: 13 (shortest in the U.S.)
First European settlement in N.H.: 1623 at Odiorne Point
Admitted to Union: 1788
© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.