New Hampshire boasts some of the lowest car insurance rates in the U.S., thanks to a no-fault state exemption for personal injury protection and generally safe driving conditions. The state has a low accident rate and high vehicle ownership, with most residents commuting by car.
New Hampshire Auto Insurance Facts
Drivers
- ~850,000–900,000 licensed drivers as of 2023.
- ~93% household vehicle ownership.
- High use of sedans and small SUVs.
- Very low uninsured motorist rate (below 5%).
- Limited public transportation except in urban centers.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~11,500
| ~3,100
| 95
|
| 2019
| ~11,700
| ~3,200
| 90
|
| 2020
| ~10,800
| ~2,900
| 85
|
| 2021
| ~11,200
| ~3,000
| 92
|
| 2022
| ~11,400
| ~3,050
| 88
|
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at vehicle registration.
