New Hampshire Insurance Requirements & Rates

New Hampshire requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage). New Hampshire is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is required.

New Hampshire homeowners face risks from nor'easters, winter storms, flooding, ice storms. The flood risk level is moderate and earthquake risk is low. Standard deductibles apply. The average annual home insurance premium is $1,158.

New Hampshire has no motorcycle helmet requirement. Lane splitting is not legal. Eye protection is required for all riders. The riding season is may–september.

Yes, workers' compensation insurance is required in New Hampshire. Sole proprietors and partners may opt out. New Hampshire has approximately 150,000 small businesses, with top industries including Technology, Manufacturing, Tourism.

Yes, New Hampshire has expanded Medicaid. The state uses a state-federal partnership health insurance marketplace. The uninsured rate is 5.5%.

Yes, landlords in New Hampshire can require tenants to carry renters insurance as a condition of the lease. About 29% of New Hampshire residents are renters, with average monthly rent of $1,325.

With a median household income of $83,449, most New Hampshire families should consider 10-12x their annual income in life insurance coverage. Currently, 55% of New Hampshire households have life insurance.