Insurance in NH

State-specific guides, common questions, and licensed agencies that cover NH.

New Hampshire insurance regulator

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

File a complaint Look up an agent or company license

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

Minimum car insurance in New Hampshire

25/50/25

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person: $25,000
Bodily injury liability, per accident: $50,000
Property damage liability: $25,000
Personal injury protection (PIP): Any policy must include at least $1,000 MedPay. This is not PIP.
Uninsured motorist coverage: Required

Most drivers are not required to carry insurance, but you are liable for damages. If you buy a policy, or the DMV orders an SR-22, it must meet 25/50/25 and include UM.

Source: NH RSA 264:20 Amount of Proof of Financial Responsibility · N.H. RSA 264:20; RSA 264:15; RSA 264:16; RSA 259:61 · Reviewed Sep 13, 2026

Flood insurance claims in New Hampshire

NFIP claims, 2016–2025: 694; $18.8 million paid
NFIP claims in 2025: 2; $0 paid

Standard homeowners and renters policies usually don’t cover flood damage. These figures count only National Flood Insurance Program claims. See all states and how we calculate this

Source: FEMA OpenFEMA NFIP Redacted Claims. Not adjusted for inflation.