--- title: Car Insurance in New Hampshire | Free Quotes | HPM Insurance description: Learn all about car insurance from New Hampshire insurance professionals here to provide you great coverage at competitive rates – get a free quote today! image: https://hpminsurance.com/hubfs/Assets/Personal%20Insurance/Car/car%20insurance.jpg --- [![HPM Insurance](https://hpminsurance.com/hubfs/HPMinsurance-Aug2017/Images/HPM_Logo_Large.jpg)](https://www.hpminsurance.com/?hsLang=en) [![Client_Portal_Small_Web_Header_600x120_transparent](https://hpminsurance.com/hs-fs/hubfs/Client_Portal_Small_Web_Header_600x120_transparent.png?width=347&height=70&name=Client_Portal_Small_Web_Header_600x120_transparent.png)](https://insurlink.vertafore.com/end-insured/2005196-1) ** [603-673-1201](tel:6036731201) - [Personal Insurance](https://hpminsurance.com/personal-insurance-quotes-new-hampshire) - [Auto Insurance](https://hpminsurance.com/car-insurance-new-hampshire) - [Corvette Insurance](https://hpminsurance.com/corvette-insurance-new-hampshire) - [Homeowners Insurance](https://hpminsurance.com/homeowners-insurance-new-hampshire) - [Airbnb Insurance](https://hpminsurance.com/airbnb-insurance-new-hampshire) - [ATV Insurance](https://hpminsurance.com/atv-insurance-new-hampshire) - [Boat Insurance](https://hpminsurance.com/boat-insurance-new-hampshire) - [Builders Risk Insurance](https://hpminsurance.com/builders-risk-insurance-new-hampshire) - [Classic Car Insurance](https://hpminsurance.com/insurance-quotes/classic-car-insurance-nh) - [Condo Insurance](https://hpminsurance.com/insurance-quotes/condo-insurance-nh) - [Dental Insurance](https://hpminsurance.com/dental-insurance-new-hampshire) - [Earthquake Insurance](https://hpminsurance.com/earthquake-insurance-new-hampshire) - [EBike Insurance](https://hpminsurance.com/ebike-insurance-new-hampshire) - [Flood Insurance](https://hpminsurance.com/flood-insurance-new-hampshire) - [Health Insurance](https://hpminsurance.com/health-insurance-in-new-hampshire) - [High Value Home Insurance](https://hpminsurance.com/insurance-quotes/high-value-home-insurance) - [Island Home Insurance](https://hpminsurance.com/island-home-insurance-new-hampshire) - [Jewelry Insurance](https://hpminsurance.com/en/jewelry-insurance-new-hampshire) - [Investment Property Insurance](https://hpminsurance.com/investment-property-insurance-new-hampshire) - [Life Insurance](https://hpminsurance.com/insurance-quotes/life-insurance) - [Long Term Care Insurance](https://hpminsurance.com/long-term-care-insurance-new-hampshire) - [Medicare Supplements Insurance](https://hpminsurance.com/medicare-supplements-insurance-new-hampshire) - [Mobile Home Insurance](https://www.hpminsurance.com/mobile-home-insurance-new-hampshire) - [Motorcycle Insurance](https://hpminsurance.com/motorcycle-insurance-new-hampshire) - [Renters Insurance](https://hpminsurance.com/renters-insurance-new-hampshire) - [RV Insurance](https://hpminsurance.com/rv-insurance-new-hampshire) - [Snowmobile Insurance](https://hpminsurance.com/snowmobile-insurance-new-hampshire) - [Tractor Insurance](https://hpminsurance.com/tractor-insurance-new-hampshire) - [Travel Medical Insurance](https://hpminsurance.com/insurance-quotes/travel-medical-insurance) - [Umbrella Insurance](https://hpminsurance.com/personal-umbrella-insurance-new-hampshire) - [Wedding Insurance](https://hpminsurance.com/wedding-insurance-new-hampshire) - [Business Insurance](https://hpminsurance.com/business-insurance-new-hampshire) - [Automotive](https://hpminsurance.com/auto-repair-shop-insurance-new-hampshire) - General Commercial Insurance - [Business Owners Policy](https://hpminsurance.com/business-owners-policy-new-hampshire) - [Business Interruption Insurance](https://hpminsurance.com/business-interruption-insurance-new-hampshire) - [Commercial Auto Insurance](https://hpminsurance.com/commercial-auto-insurance-new-hampshire) - [Commercial Flood Insurance](https://hpminsurance.com/commercial-flood-insurance-new-hampshire) - [Commercial Property Insurance](https://hpminsurance.com/commercial-property-insurance-new-hampshire) - [Commercial Umbrella Insurance](https://hpminsurance.com/commercial-umbrella-insurance-new-hampshire) - [Cyber Liability Insurance](https://hpminsurance.com/cyber-insurance-new-hampshire) - [Directors and Officers Insurance](https://hpminsurance.com/directors-and-officers-insurance-new-hampshire) - [Employment Practices Liability Insurance](https://hpminsurance.com/employment-practices-liability-insurance-new-hampshire) - [Equipment Breakdown Insurance](https://hpminsurance.com/equipment-breakdown-coverage-new-hampshire) - [Errors & Omissions Insurance](https://hpminsurance.com/errors-and-omissions-insurance-new-hampshire) - [Flood Insurance](https://hpminsurance.com/flood-insurance-new-hampshire) - [General Liability Insurance](https://hpminsurance.com/general-liability-new-hampshire) - [Inland Marine Insurance](https://hpminsurance.com/inland-marine-insurance-new-hampshire) - [Pollution Insurance](https://hpminsurance.com/pollution-insurance-new-hampshire) - [Workers Compensation Insurance](https://hpminsurance.com/workers-compensation-insurance-new-hampshire) - Group Benefits - [AFLAC](https://hpminsurance.com/aflac) - [Group Health Insurance](https://hpminsurance.com/group-health-insurance-new-hampshire) - [Key Man Insurance](https://hpminsurance.com/insurance-quotes/business-insurance/key-man-insurance-nh) - Commercial Vehicle - [Box Truck Insurance](https://hpminsurance.com/box-truck-insurance-new-hampshire) - [Food Truck Insurance](https://hpminsurance.com/food-truck-insurance-new-hampshire) - [Snow Plowing Insurance](https://hpminsurance.com/snow-plowing-insurance-new-hampshire) - Contractors - [Builders Risk Insurance](https://hpminsurance.com/builders-risk-insurance-new-hampshire) - [Contractors Insurance](https://hpminsurance.com/contractors-insurance-new-hampshire) - [Electricians Insurance](https://hpminsurance.com/electrician-insurance-new-hampshire) - [Handyman Insurance](https://hpminsurance.com/handyman-insurance-new-hampshire) - [Landscaper Insurance](https://hpminsurance.com/landscaping-insurance-new-hampshire) - [Plumbing Insurance](https://hpminsurance.com/plumbing-insurance-new-hampshire) - [Roofing Insurance](https://hpminsurance.com/roofing-insurance-new-hampshire) - [Septic System Installer and Cleaner Insurance](https://hpminsurance.com/septic-installers-and-cleaners-insurance-new-hampshire) - [Snow Plowing Insurance](https://hpminsurance.com/snow-plowing-insurance-new-hampshire) - [Tree Service Insurance](https://hpminsurance.com/tree-service-insurance-new-hampshire) - Habitational - [Condo Master Insurance](https://hpminsurance.com/condo-master-policy-new-hampshire) - [Investment Property Insurance](https://hpminsurance.com/investment-property-insurance-new-hampshire) - [Landlord Insurance](https://hpminsurance.com/landlord-insurance-new-hampshire) - [Rental Property Insurance](https://hpminsurance.com/rental-property-new-hampshire) - Hospitality - [Bakery Insurance](https://hpminsurance.com/bakery-insurance-new-hampshire) - [Bar Insurance](https://hpminsurance.com/bar-insurance-new-hampshire) - [Catering Insurance](https://hpminsurance.com/en-us/catering-insurance-new-hampshire) - [Coffee Shop Insurance](https://hpminsurance.com/coffee-shop-insurance-new-hampshire) - [Liquor Liability Insurance](https://hpminsurance.com/liquor-liability-insurance-new-hampshire) - [Microbrewery Insurance](https://hpminsurance.com/microbrewery-insurance-new-hampshire) - [Restaurant Insurance](https://hpminsurance.com/restaurant-insurance-new-hampshire) - [Life Sciences](https://hpminsurance.com/life-sciences-insurance-new-hampshire) - Manufacturing - [Manufacturing Insurance](https://hpminsurance.com/manufacturing-insurance-new-hampshire) - [Product Liability Insurance](https://hpminsurance.com/product-liability-insurance-new-hampshire) - Personal Care Services - [Hair Salon and Barber Insurance](https://hpminsurance.com/salon-and-barber-insurance-new-hampshire) - [Home Health Care Insurance](https://hpminsurance.com/home-health-care-insurance-new-hampshire) - [Sports & Fitness Insurance](https://hpminsurance.com/sports-and-fitness-insurance-new-hampshire) - Professional Services - [Consultant Insurance](https://hpminsurance.com/consultant-insurance-new-hampshire) - [Bookkeeping Insurance](https://hpminsurance.com/bookkeeping-insurance-new-hampshire) - [Professional Liability](https://hpminsurance.com/professional-liability-insurance-new-hampshire) - Retail - [Convenience Stores Insurance](https://hpminsurance.com/convenience-store-insurance-new-hampshire) - [Jewelers Block Insurance](https://hpminsurance.com/jewelers-block-insurance) - Social Services & Nonprofit - [Nonprofit Insurance](https://hpminsurance.com/nonprofit-insurance-new-hampshire) - Specialty Commercial Insurance - [Franchise Insurance](https://hpminsurance.com/franchise-insurance-new-hampshire) - [Gig Economy Insurance](https://hpminsurance.com/gig-economy-new-hampshire) - [Hemp Crop Insurance](https://hpminsurance.com/en/hemp-crop-insurance-new-hampshire) - [Jewelers Block Insurance](https://hpminsurance.com/jewelers-block-insurance) - [Life Sciences Insurance](https://hpminsurance.com/life-sciences-insurance-new-hampshire) - [Lumber Insurance](https://hpminsurance.com/insurance-quotes/business-insurance/lumber-insurance-nh) - [Sports Team Insurance](https://hpminsurance.com/sports-team-insurance-new-hampshire) - [Small Business Insurance](https://hpminsurance.com/small-business-insurance-new-hampshire) - [Start Up Insurance](https://hpminsurance.com/insurance-quotes/business-insurance/start-up-insurance) - [Get a Quote](https://hpminsurance.com/instant-quotes-homeowners-auto-renters) - [About Us](https://hpminsurance.com/about-us) - [Contact Us](https://hpminsurance.com/about-us) - [Meet Our Team](https://hpminsurance.com/about-us/meet-our-team) - [HPM Insurance Goffstown](https://hpminsurance.com/meet-the-team/insurance-goffstown-nh) - [HPM Insurance Amherst](https://hpminsurance.com/about-us/meet-our-team/hpm-insurance-amherst) - [HPM Insurance Bedford](https://hpminsurance.com/about-us/meet-our-team/hpm-insurance-bedford) - [HPM Insurance Bristol](https://hpminsurance.com/about-us/meet-our-team/hpm-insurance-bristol) - [HPM Insurance Laconia](https://hpminsurance.com/about-us/meet-our-team/hpm-insurance-laconia) - [HPM Insurance Littleton](https://hpminsurance.com/about-us/meet-our-team/hpm-insurance-littleton) - [Companies We Represent](https://hpminsurance.com/about-us/companies-we-represent) - [Testimonials](https://hpminsurance.com/about-us/testimonials) - [Career Opportunities](https://hpminsurance.com/careers-at-hpm-insurance) - [Trusted Choice Agency](https://hpminsurance.com/research-center/trusted-choice-agency) - [Professional Memberships](https://hpminsurance.com/about-us/professional-memberships-and-awards) - [Acquisitions](https://hpminsurance.com/looking-to-sell-an-insurance-agency) - [HPM Referral Rewards](https://hpminsurance.com/client-service/hpm-referral-rewards) - [HPM Press](https://hpminsurance.com/hpm-press) - [HPM Media Page](https://hpminsurance.com/media) - [Testimonials](https://hpminsurance.com/about-us/testimonials) - [Blog](https://hpminsurance.com/blog) - Office Locations - [Amherst, NH](https://hpminsurance.com/office-locations/insurance-in-amherst-nh) - [Bedford, NH](https://hpminsurance.com/office-locations/insurance-in-bedford-nh) - [Bristol, NH](https://hpminsurance.com/insurance-bristol-nh) - [Goffstown, NH](https://hpminsurance.com/insurance-goffstown-nh) - [Laconia, NH](https://hpminsurance.com/insurance-laconia-nh) - [Littleton, NH](https://hpminsurance.com/insurance-in-littleton-nh) - [Client Portal](https://hpminsurance.com/client-portal) # How Do You Want to Communicate with HPM? ### We need some information to provide you with coverage and pricing options. Below are the ways we can secure it.   ### ![phone_icon](https://hpminsurance.com/hs-fs/hubfs/phone_icon.webp?width=80&height=80&name=phone_icon.webp) ### Talk to an Agent Want a quote or have questions? Click to call M – F 8:00 – 5:00 Call HPM - [603-673-1201](tel:603-673-1201) ### ![email_icon](https://hpminsurance.com/hs-fs/hubfs/email_icon.webp?width=80&height=80&name=email_icon.webp) ### Send Your Policy Already have insurance? Send your policy automatically to HPM. [Click here to send current policy.](https://app.usecanopy.com/c/hpm-insurance) ### ![contact_icon](https://hpminsurance.com/hs-fs/hubfs/contact_icon.webp?width=80&height=80&name=contact_icon.webp) ### Submit Quote Form Need new coverage or want to provide info for a quote? [Click here ](https://hpminsurance.insuredmine.com/custom-form/dist/67f3fa777655463d99058f6c?user=public) ### ![support_icon](https://hpminsurance.com/hs-fs/hubfs/support_icon.webp?width=80&height=80&name=support_icon.webp) ### Request a Call from HPM Short on time but want HPM to reach out to you? [Get in Touch](https://hpminsurance.com/car-insurance-new-hampshire#form) # Where are you on your insurance journey? ### We are here to work with you as you see fit:   ### ![user](https://hpminsurance.com/hs-fs/hubfs/user.png?width=80&name=user.png) ### Talk to an agent Have a question, need info, or want a quote?  Give us a call at [(603) 673-1201](tel:6036731201). Office hours are 8am - 5pm Monday - Friday. ### ![document](https://hpminsurance.com/hs-fs/hubfs/document.png?width=80&name=document.png) ### Provide information to get the ball rolling on a quote If difficult to contact us during office hours, click the "Provide Info" button below. We will use the info to find competitive coverage and pricing with the many companies we represent. ### ![envelope](https://hpminsurance.com/hs-fs/hubfs/envelope.png?width=80&name=envelope.png) ### Drop us a message Too busy to chat now or have a question? Submit the form below and one of our agents will reach out to you shortly! [Provide Info for Quote](https://hpminsurance.brokerbuddha.com/v3/clients/programs/apply/61391fdbf17fd7000961f8e3) # Where are you on your insurance journey? ### We are here to work with you as you see fit:   ### ![user](https://hpminsurance.com/hs-fs/hubfs/user.png?width=80&name=user.png) ### Talk to an agent Have a question, need info, or want a quote?  Give us a call at [(603) 673-1201](tel:6036731201). Office hours are 8am - 5pm Monday - Friday. ### ![document](https://hpminsurance.com/hs-fs/hubfs/document.png?width=80&name=document.png) ### Provide information to get the ball rolling on a quote If difficult to contact us during office hours, click the "Provide Info" button below. We will use the info to find competitive coverage and pricing with the many companies we represent. ### ![envelope](https://hpminsurance.com/hs-fs/hubfs/envelope.png?width=80&name=envelope.png) ### Drop us a message Too busy to chat now or have a question? Submit the form below and one of our agents will reach out to you shortly! [Provide Info for Quote](https://hpminsurance.brokerbuddha.com/v3/clients/programs/apply/61391fdbf17fd7000961f8e3) # Car Insurance in New Hampshire ## ![NH car insurance](https://hpminsurance.com/hs-fs/hubfs/Assets/Personal%20Insurance/Car/car%20insurance.jpeg?width=8600&height=3358&name=car%20insurance.jpeg)What is Car Insurance? Vehicles are a necessary mode of transportation for most people in New Hampshire, but they’re hardly a risk-free way to get around. Thousands of accidents occur on a daily basis, and vehicle owners must be prepared in case they’re in one. Part of being prepared means carrying car insurance. Having car insurance won’t prevent an accident from occurring, but the policy can offer valuable protection post-accident. Depending on a policy’s terms and conditions, it may offer protection from the financial fallout that often follows an auto accident. ## Who in New Hampshire Needs an Auto Insurance Policy? New Hampshire is one of the few states that don’t have compulsory auto insurance requirements. Drivers in the state aren’t legally required to carry an auto policy if they’re able to meet the state’s requirements for financial responsibility. [State law](http://www.gencourt.state.nh.us/rsa/html/xxi/264/264-mrg.htm) defines financial responsibility as being able to pay the following amounts following an accident: - $25,000 for bodily injury or death to a single person - $50,000 for bodily injury or death to multiple people in one accident - $25,000 for property damage in one accident Although drivers who have such financial resources available might not need to purchase an auto policy, it’s still wise to get one. Even the state’s [Division of Motor Vehicles](https://www.nh.gov/safety/divisions/dmv/financial-responsibility/insurance.htm#filing-period) “strongly recommends and urges all owners of motor vehicles” to have insurance. Not carrying a policy can leave drivers dangerously exposed to risk, for accidents can result in costs exceeding the amounts listed above. ## What Protections Does Auto Insurance Provide? The exact protections that an auto insurance policy provides depend on that policy’s terms, conditions, exclusions, and limits. The following coverages are available through most policies: - **Medical payments** which might cover injuries sustained by a driver and passengers in the insured vehicle - **Bodily Injury Coverage**, which might cover injuries sustained by pedestrians and people in other vehicles - **Comprehensive and Collision Coverage**, which might cover damage sustained to the insured vehicle - **Property Damage Coverage**, which might cover damage caused to other people’s property - **Un-insured and Under-insured Motorist Coverage**, which might cover accidents that improperly insured drivers cause Uninsured and underinsured motorist coverage is important in every state, but it’s especially so in New Hampshire because drivers can legally self-insure. ![Amherst Car Insurance](https://hpminsurance.com/hs-fs/hubfs/Assets/Personal%20Insurance/Car/car%20marketplace-806636-edited.jpg?width=515&height=240&name=car%20marketplace-806636-edited.jpg) ## What is Gap Coverage? Some auto insurance policies include gap coverage, which is a specialized protection usually designed for drivers who finance their vehicle. In the event that a financed vehicle is damaged in an accident, this protection may cover the difference between the outstanding loan balance and the car’s fair market value. Comprehensive and collision coverage normally have limits based on the insured vehicle’s fair-market value, which is why gap coverage is sometimes needed. Gap coverage is occasionally referred to as “guaranteed auto protection coverage.” ## What Factors Impact Auto Policies’ Premiums? The premiums assessed for an auto policy are based on many factors. Some of the items insurers might consider are: - The age, gender, marital status, age of all drivers - The named insured's credit score - The claims history and driving record of all drivers - Insured vehicle’s year, make, and model - Location where the insured vehicle is garaged - Coverages, endorsements, and limits chosen ## How Can Drivers Get Quotes for Car Insurance Policies? Properly comparing quotes for car insurance policies involves more than quickly filling out a form and looking only at price. Instead, drivers should carefully assess their assets, risk tolerance, and insurance needs. Then, they can request policies from an agent like HPM Insurance, which represents many different insurers, and compare those policies’ prices and protections for you. For help with this process, New Hampshire drivers can talk with an experienced HPM Insurance agent. Our agents are able to compare different insurers’ policy offerings and have the knowledge needed to help make coverage decisions. **Why Work With HPM Insurance?** Why have your Auto Insurance with a company or agent that only represents one company? As an independent agency, our agents work with more than ten companies to find you the best coverage, discounting options and protection designed just for you! We have been protecting the residents and businesses of New Hampshire since 1860. We know local drivers and we know how to protect them with the right Car Insurance. Do not delay. Be prepared for life's misfortunes. ## **Did You Know that Having an Insurance Agency Does Not Necessarily Cost You More Money?** The Auto Insurance ads we are all bombarded with on a daily basis give the impression that working with an insurance agent costs more money than going directly with a company. Every insurance company files its rates with each state it operates in with 100s of variables impacting the premium. Some companies charge more for young drivers, while others weigh an individual's credit score more heavily. The point is that these variables are regularly changing, so why not do business with a local agency that knows these differences and can look at many carriers to find the best coverage and price vs. going directly to a company that only represents its own interests? Professionalism, better pricing and coverage options, local presence- why wouldn't you want to at least explore getting a quote with an experienced agent? **HPM Insurance** offers car insurance throughout NH including, **[Amherst Car Insurance](https://www.hpminsurance.com/car-insurance-amherst-nh?hsLang=en),** and **[Bedford Automobile Insurance](https://www.hpminsurance.com/insurance-quotes/auto-insurance/bedford?hsLang=en)** to local residents. We have offices in Amherst, Bedford, Bristol, Goffstown and Laconia. If you would like more information or a quote, please feel free to enter your basic contact information.  We are happy to show you various coverage and premium options.   ## Want a free quote? Enter your contact info and we will reach out: ### Get A Quote - ### Don't Wait. Get a quote today! - [** Start Now ](https://www.hpminsurance.com/insurance-quotes?hsLang=en) - or - Call Us At [603-673-1201](tel:603-673-1201) ** 603-673-1201 #### Find out more - [Insurance Quotes](https://www.hpminsurance.com/insurance-quotes?hsLang=en) - [Research Center](https://www.hpminsurance.com/research-center?hsLang=en) - [About Us](https://www.hpminsurance.com/about-us?hsLang=en) - [Client Service](https://hpminsurance.com/client-portal/?hsLang=en) - [Blog](https://www.hpminsurance.com/blog?hsLang=en) - [Office Locations](https://www.hpminsurance.com/about-us?hsLang=en) #### Stay connected [Read Our Blog](https://www.hpminsurance.com/blog?hsLang=en) [** ](https://www.facebook.com/HPMinsurance) [** ](https://www.linkedin.com/company/hpm-insurance) #### Main Office HPM Insurance Learn how to protect yourself, your family and your business. Visit http://www.hpminsurance.com to get all the information you need. 101 Ponemah Road Amherst, NH 03031 **Hours:** 8:00am - 5:00pm, M - F Phone: 603-673-1201 [![Paid Family and Medical Leave Insurance New Hampshire](https://res.cloudinary.com/expertise-com/image/upload/f_auto,fl_lossy,q_auto/w_auto/remote_media/awards/nh_manchester_car-insurance_2021_transparent.svg)](https://www.expertise.com/NH/manchester/car-insurance) © 2026 HPM Insurance | [Privacy Statement](https://hpminsurance-3427324-hs-sites-com.sandbox.hs-sites.com/about-us/privacy-statement?hsLang=en) | This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication. Website Built & Powered by [Jump Suit Group](https://www.jumpsuitgroup.com/)