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New Hampshire Minimum Car Insurance (25/50/25)

Use the calculator to see how New Hampshire's minimum limits would apply to a hypothetical injury bill and property-damage bill.

This tool is an estimate for education only. It is not legal advice, not an insurance quote, and not a prediction of what a court, insurer, or claims adjuster would pay. Coverage rules, statutes, and case law change. Read the official source linked on this page. Nothing you type into the calculator is collected or sent anywhere; the math runs in your browser.

Short answer: New Hampshire requires $25,000 bodily injury per person / $50,000 bodily injury per accident / $25,000 property damage. This page prefills the calculator for New Hampshire and cites the official source.

Reviewed November 7, 2026

What New Hampshire requires

New Hampshire is the well-known exception: the state does not require every driver to buy auto insurance just to operate a vehicle. If you do buy a motor-vehicle liability policy, RSA 259:61 says it must provide at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. After certain accidents or judgments you may still have to show financial responsibility in those amounts. This calculator uses 25/50/25 as the statutory policy definition, not as a mandate that every New Hampshire driver already carries insurance.

A common way to write split limits is 25/50/25. The first number is bodily injury per person, the second is bodily injury for everyone hurt in one crash, and the third is property damage. This calculator's injury example uses only the per-person number because it assumes one injured person.

Official source

New Hampshire RSA 259:61 (Motor vehicle liability policy). RSA 259:61 (official General Court text opened 2026-11-07): a motor-vehicle liability policy must provide at least 25/50/25. New Hampshire does not require every driver to buy a policy before driving.

Reviewed November 7, 2026. Compare other states on the sources table or the machine-readable data file.

For the recovery rule that would apply if you were partly at fault in New Hampshire, use the fault / comparative negligence calculator.

FAQ

What is the minimum car insurance in New Hampshire?

The primary source cited on this page states that New Hampshire requires $25,000 bodily injury per person / $50,000 bodily injury per accident / $25,000 property damage. Always read the official source because statutes and department guidance can change.

Does New Hampshire's minimum cover my own injuries or my own car?

Liability coverage pays people you injure or whose property you damage. It does not pay your own medical bills or repair your own car. Collision and comprehensive are separate optional coverages.

What if medical or repair bills are higher than the minimum?

The calculator subtracts New Hampshire's per-person bodily-injury minimum from a one-person injury bill and subtracts the property-damage minimum from a property bill. Anything above those two limits is the simple gap shown.

Is uninsured or underinsured motorist coverage required in New Hampshire?

The sources we opened for the liability limits did not state that UM is a mandatory statewide coverage in the same way liability is. Offer-and-rejection rules vary; read the official source.

How does this calculator work?

You enter a hypothetical injury bill for one other person and a hypothetical property-damage bill. The script, running only in your browser, compares those bills with the verified per-person BI limit and PD limit and shows the covered amount and the leftover gap. It does not send your numbers to our servers.

Is this legal advice or an insurance quote?

No. This New Hampshire page and calculator are general information based on the official source cited below, reviewed November 7, 2026. They are not a quote and not advice about your claim or what limits you should buy.