Auto insurance can be divided into two basic coverage areas: liability and property damage. Two factors determine what you pay for auto insurance. The first factor is underwriting, where insurance companies assess the risk associated with an applicant., Drivers in New Hampshire must carry at least a minimum amount of car insurance to drive legally. Although New Hampshire car insurance law only requires 25/50/25 in liability, increasing the limits and adding coverage is a good idea since medical expenses and repair costs are steadily rising., What you need to know about New Hampshire auto insurance law, including coverage amounts, who's covered, and how to collect compensation after an accident., Carrying car insurance in New Hampshire is mandatory. Not only is it a legal requirement, but it’s crucial for protecting yourself and your assets. Adding more robust coverage or increasing your current limits is highly recommended for keeping you protected., Unlike most states, New Hampshire does not require car insurance for most drivers, although there are a few exceptions. But even if it is not required by law, having a solid car insurance, .