Non-owner car insurance in New Hampshire
When you borrow or rent a car, this coverage, held in your name, pays for harm you cause to others. Get this coverage when you drive during most months, or when you lack a car but must carry an SR-22. If the car’s owner lives with you, add yourself to their policy instead.
- $36 a monthtypical price for a 40-year-old with a clean record, or $437 a year
- MMGusually the cheapest company, at $99 a year
- 25/50/25lowest limits the state allows
What companies offer non-owner coverage in New Hampshire?
Prices were collected for 7 companies, shown from the least expensive up.
| Company | Per year | Per month |
|---|---|---|
 MMG | $99 | $8 |
| Safety | $206 | $17 |
 GEICO | $218 | $18 |
 State Farm | $229 | $19 |
 Progressive | $687 | $57 |
 Nationwide | $779 | $65 |
 Farmers | $845 | $70 |
These company prices are for a 40-year-old with a clean record, so your own answers above can give a different price. The same driver profile was used for the prices shown, taken from a New Hampshire pricing study; the state ranks 20th cheapest among 50. Companies offering it in New Hampshire.
Coverage limits in New Hampshire after proof is required
Auto insurance is not mandatory, the state’s Insurance Department consumer guide notes, though you must be capable of paying for a crash you cause. When a policy exists, RSA 259:61 determines its liability limits.
When a single person is injured or dies, the coverage must pay $25,000. For a crash that injures multiple people, the required amount is $50,000. A limit of $25,000 is needed for damage to other people’s property. You must also have at least $1,000 in medical payments coverage, as the guide requires. After a crash, it pays the doctor and hospital costs for you, along with anyone who was riding with you.
Owner or Operator: picking your SR-22 in New Hampshire
Auto insurance is not mandatory for most drivers in New Hampshire. But a DWI or similar conviction lets the DMV require an Operator SR-22, which is a form for people who drive without owning a car.
The filings are sent to the DMV's Bureau of Financial Responsibility. Two types appear on its SR-22 requirements page. Someone who owns, registers, and drives a vehicle falls under the Owner type. The Operator type allows driving only, which fits a person with no car of their own.
The DMV names three triggers: any DWI, leaving an accident scene, and a second offense for reckless operation. As the DMV's SR-22 FAQs state, the requirement lasts three years from the date of your final conviction, crash, or administrative action. After a second DWI, the period starts on your restoration eligibility date. Copies sent by fax are not accepted. The DMV accepts only the uniform certificate, and the insurance company that files it must be licensed in New Hampshire.
Getting your license back costs $100, based on the suspension and restoration fee list.
A crash without insurance in New Hampshire, and how to stop the filing
If you borrow a car without insurance here, the risk is real. After a crash report, RSA 264:3 directs the director to suspend both the driver without insurance and the vehicle’s owner. It stays in effect until security for any judgment is provided and proof of future coverage is maintained.
After the three years pass, the filing does not end on its own. You must submit a written request for release. Write a letter with your name, date of birth, and address, and send it to the DMV's FR SR-22 Processing Section at 23 Hazen Drive in Concord. Should you meet the requirements, a Notice of Relief of Filing is sent. Leaving the state also keeps it in place. Fail to file, and your driving privilege here is suspended by New Hampshire, which also informs your home state.
What you pay in New Hampshire, by age
A teenager can expect to pay around $1,300 each year. At age 40, the yearly average for a minimum policy on a car you own is $567, roughly $130 above the $437 cost of a non-owner policy.
| Age | Men | Women |
|---|---|---|
| 16 to 19 | $1,359 | $1,240 |
| 20 to 24 | $705 | $651 |
| 25 to 64 | $452 | $454 |
| 65 and over | $482 | $494 |
Per year, at the minimum limits, for a clean record. The bracket from 25 to 64 reflects the study’s rates for ages 25 to 60; the 65-and-over bracket uses its rates for ages 65 to 75.
Get a non-owner quote in New Hampshire
A licensed agent who writes policies in New Hampshire takes your call, goes through how you drive for free, and gets you real quotes right away.
Call 833-958-5598