New Hampshire Car Insurance

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You could save over $600** when you bundle auto and home.

Quotes for Auto Insurance in New Hampshire

New Hampshire drivers need auto insurance they can depend on as they drive through The Granite State. If you’re looking for New Hampshire auto insurance rates or want a personalized car insurance quote, The Hartford can help. We’re here to answer your questions and get you the information you need about car insurance companies in New Hampshire. The AARP® Auto Insurance Program from The Hartford1 has been protecting AARP members in New Hampshire and their families with car insurance since 1984, earning a reputation for integrity and trust.
 
History and natural beauty can be found in every corner of New Hampshire. Whether you’re taking a trip to the coastline or hiking upstate, the AARP Auto Insurance Program from The Hartford will help keep you protected as you travel along New Hampshire’s roadways.
 

New Hampshire Car Insurance Benefits From AARP

New Hampshire drivers could receive valuable car insurance benefits and discounts from the AARP Auto Insurance Program from The Hartford, including:
 
  • 24/7 Claim Service
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible

New Hampshire Car Insurance Coverages

New Hampshire state law requires liability limits for New Hampshire car insurance at the following minimums:2
 

Do You Need Proof of Car Insurance in New Hampshire?

If you’re going to operate a vehicle in New Hampshire, state law requires you to show a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident. If you’re a licensed driver in the state of New Hampshire, it’s smart to keep a copy of your car insurance ID card in your vehicle along with your registration. New Hampshire is among several states that now accept electronic proof of car insurance. With The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™
 

New Hampshire Driving Laws

New Hampshire Uninsured Driver Facts

new hampshire auto lawAccording to a 2021 Insurance Research Council report, 6.1% of New Hampshire drivers were uninsured in 2019. This is below the national average of 12.6%.3
 
Uninsured/underinsured motorist car insurance coverage can help with your medical bills if you’re in an accident caused by an uninsured driver or a driver who does not have adequate car insurance coverage. In New Hampshire, your uninsured/underinsured motorist car insurance coverage must have the following minimum coverage amounts:2
 
  • $25,000 per person
  • $50,000 per accident

Additional NH Car Insurance Coverages Available to Drivers

For added protection, you may want to consider full coverage car insurance so you’re not held financially responsible if you’re in a car accident. New Hampshire drivers may also be eligible for the following auto insurance coverages from the AARP Auto Insurance Program from The Hartford:
 

Staying Safe on New Hampshire Roads

Driving laws vary based on where you’re driving. As you travel through New Hampshire, there are a number of safe driving traffic laws meant to protect you on New Hampshire’s highways and byways.4
 

Does New Hampshire Have Seat Belt Laws?

Although New Hampshire does not have seat belt laws for those 18 and over, the state strongly suggests all passengers wear one.
 

New Hampshire Distracted Driving Laws:

New Hampshire has a number of laws in place to discourage distracted driving:
 
  • New drivers in New Hampshire are not allowed to use hand-held cell phones.
  • Texting while driving is banned in the State of New Hampshire and getting a ticket could impact your driving record.

New Hampshire Teen Driver Laws:

Getting an operator license to drive a car is a rite of passage for teenagers and New Hampshire wants to be sure they stay safe in the process. New Hampshire has implemented graduated driver licensing laws to ensure that teens gain the experience and maturity required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
 

Get a New Hampshire Car Insurance Quote

Our representatives are ready to help you each step of the way. Find out more about the benefits for AARP members and get help choosing the auto insurance coverage in New Hampshire that’s right for you. Call us at 800-684-1933 to speak to a representative or get a car insurance quote online today for auto insurance in New Hampshire.
 
 
Last Updated: October 5, 2023
 
2 State of New Hampshire Insurance Department, “Your Guide to Understanding Auto Insurance in the Granite State”
 
3 Insurance Information Institute, “Facts + Statistics: Uninsured motorists”
 
4 Governors Highway Safety Association, “States”
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
Additional disclosures below.
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.