Frequently Asked Questions

We Are Here to Help - Search Our FAQs

Navigate

Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?
If you are moving to New Hampshire from another state, you might already own full liability car coverage or even full comprehensive and collision coverage.If your car insurance company offers insurance transfers that can be used in New Hampshire, you may be able to adapt it to your new home.

Make sure that SR22 insurance is in line with the specific local requirements. Only insurance policies that have the “owner” or “operator” reference are regarded as valid in New Hampshire. It is best if you get a brand new policy to avoid potential confusion.

For more information: How To: Save on New Hampshire Auto Insurance

Do I need to cancel my insurance if I am moving to another state?
Getting car insurance is not something you need to do by law in New Hampshire. If you want to know how you can be flexible with your car insurance, it is best if you check with your insurance agent. Many insurance companies offer countrywidecar insurance quotes and may be able to help you with this bit of advice.

For more information: How To: Save on New Hampshire Auto Insurance

How can I avoid a license suspension if I choose not to insure my vehicle?
When you become involved in a car accident or commit any other violation which may hold you financially responsible, and you do not have car insurance, you may be at fault for your driving behavior and will need to provide SR22 insurance.

Failing to provide the appropriate SR22 insurance (owner or operator), will result in getting a suspended drivers license.

Provided you fulfill the conditions that are required by New Hampshire laws for the period of three years, you may submit a request to the Bureau of Financial Responsibility, which will issue a Notice of Relief of Filing. If you have not acted in line with the law, the initial period may be extended.

For more information: How To: Save on New Hampshire Auto Insurance

If I have been in an accident, what property damage do I have to report?
If you have been involved in a car accident in New Hampshire, you must collect and record information that relates to the time, the name, and the addresses of the persons and the witnesses involved.

Once you ve completed the aforementioned steps, you must report the damage immediately to your insurance agent who will be able to provide you with adequate advice on the steps you need to take and on the specifics of your car insurance policy.

Particularly make sure to:

  • Review the policy section about your duties.
  • Keep copies of legal notices, medical claims, photos and repair bills.
  • File a police report.
  • Show the damaged vehicle to the insurer before repairs.
  • Protect the car from further damage.

If the insurance agent fails to provide appropriate advice, the New Hampshire Insurance Department may be able to help. You can also get in touch with a traffic lawyer.

For more information: How To: Save on New Hampshire Auto Insurance

If I live outside of the state for half the year, am I still required to have car insurance?
You do not need to get mandatory car insurance in New Hampshire. Although insurance policies are similar across the country, you are advised to check the specifics of the policy that you already have to see if any flexibility is possible.

There are two state departments that may help you further with advice on car insurance:

  • State of New Hampshire

Department of Safety

Financial Responsibility Division

33 Hazen Drive Concord

NH 03305 603- 271-3101

For more information: How To: Save on New Hampshire Auto Insurance

What is the minimum liability insurance coverage?
If you decide to obtain liability car coverage in New Hampshire, you will need to meet the minimum liability coverage, which are:
  • $25,000 per person for bodily injury.
  • $50,000 for two or more persons.
  • $25,000 for property damage.

Collision and comprehensive car insurance are not mandatory. The minimum for medical payments car coverage is $1,000.

For more information: How To: Save on New Hampshire Auto Insurance

What proof of insurance can I provide when registering my car?
Car registration in New Hampshire goes through two stages. First, you need to register your vehicle on town or city level, and second, you need to complete the procedure on state level.

The general premise is that you do not need to attach any mandatory car insurance proof to the car registration application.

To be in line with local municipal insurance requirements, check with city clerks or local tax agents at your place of residence.

For more information: How To: Save on New Hampshire Auto Insurance

What type of car insurance am I required to have?
There is no law that requires mandatory car insurance in New Hampshire. Instead, you should be able to show that you have enough funds available to cover any costs that may occur if you are found at fault in potential accidents. Failing to provide evidence that you can do so, may result in a drivers license suspension.

Certain requirements of the drivers record system in New Hampshire relate to providing proof of SR22 insurance for specific traffic violations:

  • DWI offenses
  • Appointed demerit points
  • Driver is found at fault with no car insurance
  • Driver is declared a habitual offender

For more information: How To: Save on New Hampshire Auto Insurance

What will happen if I fail to get or keep car insurance?
Failing to obtain car coverage for your vehicle in New Hampshire may put you at greater risk in the event that you are involved in a car accident.

If you are a traffic offender whose drivers record requires that you submit SR22 insurance, you must demonstrate appropriate financial responsibility by having it on file for three years after the report.

The state of New Hampshire only recognizes two types of SR22 insurance as proof of financial accountability, which include:

  • Owner SR22 insurance
  • Operator SR22 insurance

For more information: How To: Save on New Hampshire Auto Insurance

Which types of vehicles need to be insured?
New Hampshire traffic laws do no ask for compulsory car insurance policies. It is very smart to obtain one though, as it will hold you in the same advantageous position if you become involved in accidents with an insured driver.

The cost of the car coverage you need to pay will be affected by the following characteristics of the vehicle:

  • Standard or high performance
  • Model year
  • Vehicle value

For more information: How To: Save on New Hampshire Auto Insurance