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This page details the latest auto insurance stats, facts and premiums in the state of New Hampshire.
Minimum Liability Coverage
The minimum per-vehicle insurance coverage required by New Hampshire state law is 25/50/25.
This means that a driver in New Hampshire must carry $25,000 in Personal Injury Protection (PIP insurance), along with $50,000 in coverage for injuries to others, and $25,000 in coverage against property damage.
Experts suggest that state mandated minimums are insufficient funds to cover the actual cost of accidents, and recommend 100/300 coverage for all owned vehicles in America.
Also recommended is Uninsured Motorist (UMI) Insurance, as roughly one in nine vehicles in New Hampshire is uninsured.
Penalties for Driving Uninsured
People caught driving without insurance (or at least proof of financial responsibility) in the state of New Hampshire face fines and/or license suspension until proof of insurance is provided. Additional headaches are costly reinstatement fees and increased premiums.
New Hampshire has the highest percentage of DUI deaths of all U.S. states, perhaps due to rugged terrain and harsh weather conditions throughout the state.
Still, New Hampshire is one of the least expensive states to own a car. The Average Annual Premium for Car Insurance in the state of New Hampshire was $1,112 last year, much lower than the overall national average of $1,510.
Analysts at Top50States.com suggest that New Hampshire's relatively low annual auto insurance premiums are due to a strong economy, low population density and a fewer uninsured vehicles on the road.
Cost Car Insurance
New Hampshire drivers can lower their car insurance premiums in a number of ways. For instance,
1. Establish a physical address in Maine, where the rates are even cheaper.
2. Live alone, or with low-risk drivers.
3. Qualify for every possible discount program offered by insurance carriers. Special deals include Good Driver discounts, Accident-Free discounts, Good Student discounts, Safe Vehicle discounts, Multiple Policy discounts and Defensive Driving Course discounts, to name just a few.
According to recent consumer reviews, New Hampshire's top providers of auto insurance are Allstate, Farmers Insurance, Geico, Progressive, State Farm and 21st Century.
Just grab a few free quotes online, then call a few agents and ask about their special discounts.
Finally, compare quotes and simply select the cheapest deal. That's all there is to saving hundreds of dollars a year on car insurance.
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