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New Hampshire Insurance Guide
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Insurance in New Hampshire
Find comprehensive insurance information for New Hampshire (NH) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Northeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | New Hampshire (NH) |
| Region | Northeast |
| Population | ~1.4M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | New Hampshire Department of Insurance |
Health Insurance in New Hampshire
New Hampshire residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in New Hampshire
New Hampshire has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in New Hampshire
Protect your home with coverage tailored to New Hampshire’s specific risks and requirements.
Life Insurance in New Hampshire
Find life insurance options available to New Hampshire residents to protect your family’s financial future.
How New Hampshire Compares
Understanding how New Hampshire stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | New Hampshire | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $941 | $1,935 | -51% (among the lowest) |
| Health Insurance (monthly) | $332 | $477 | -30% (among the lowest) |
| Home Insurance (annual) | $912 | $2,377 | -62% (among the lowest) |
| Uninsured Rate | 5.7% | 9.5% | -40% (well above average) |
Key Insights
- Auto insurance in New Hampshire is significantly cheaper than the national average, ranking #3 lowest in the country.
- Health insurance premiums are relatively affordable compared to other states, ranking #1 lowest.
- Homeowners insurance is among the most affordable in the country at #2.
- New Hampshire has one of the lowest uninsured rates in the nation (#8), indicating strong access to coverage.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- New Hampshire Insurance Department (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - New Hampshire (opens in new tab) - Federal health insurance marketplace for New Hampshire
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any New Hampshire address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- New Hampshire Insurance Department
- Phone
- 603-271-2261
- Website
- Visit Official Website
Frequently Asked Questions
Is auto insurance required in New Hampshire?
New Hampshire is the only state that does not require auto insurance for private passenger vehicles. However, you must demonstrate financial responsibility (typically through insurance) after an accident. Most drivers still carry insurance to protect themselves.
What is the recommended auto insurance in New Hampshire?
While not required, the recommended minimum liability coverage is 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Higher limits are advisable.
How do I get health insurance in New Hampshire?
New Hampshire uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. New Hampshire expanded Medicaid through a managed care program. Many residents qualify for premium tax credits.
Does New Hampshire homeowners insurance cover ice dam damage?
Yes, water damage resulting from ice dams is typically covered under standard homeowners insurance. However, the ice dam removal itself may not be covered. Proper attic insulation and ventilation can prevent ice dams.
What is the average cost of car insurance in New Hampshire?
New Hampshire drivers pay approximately $900-$1,100 per year for full coverage auto insurance, which is among the lowest in the nation despite having no insurance mandate. Safe driving culture and rural character contribute to lower rates.
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Neighboring State Guides
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