Non-Owner Car Insurance — New Hampshire
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
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New Hampshire at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
New Hampshire Non-Owner Liability Requirements
The state also mandates personal injury protection (PIP) and uninsured motorist coverage. For drivers who need an SR-22 filing after a DWI, leaving the scene of an accident, or a second reckless operation conviction, New Hampshire requires the filing for 3 years—and a non-owner policy satisfies that requirement when you own no vehicle.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
Non-Owner SR-22 Filing
What Shapes Non-Owner Costs in New Hampshire
$36/mo
Typical monthly rate in New Hampshire, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- New Hampshire's 3-year SR-22 filing period for DWI and leaving the scene raises premiums for the full filing period.
- The state's 25/50/25 liability minimum sets the floor for non-owner coverage, but higher limits increase cost.
- Carriers that write non-owner SR-22 in New Hampshire are fewer than those writing standard non-owner, which limits competition and raises cost for the compliance segment.
- Personal injury protection (PIP) is required by New Hampshire law and adds to the non-owner premium even though the policy covers no owned vehicle.
- Driving history—especially DWI convictions and at-fault accidents—shapes non-owner cost more than vehicle factors because there is no car to rate.
Stay Insured Without Owning a Car
Get My Non-Owner Insurance QuoteIf your license is suspended
Limited Driving Privilege (limited privilege license, RSA 263:57-b)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
What does non-owner car insurance cover in New Hampshire?
A New Hampshire non-owner policy covers bodily injury and property damage liability when you're at fault, plus the state's required personal injury protection (PIP) and uninsured motorist coverage. It does not cover collision or comprehensive damage to the car you're driving because you own no vehicle. The policy is secondary, sitting behind any coverage on the car you borrow or rent.
Can I get an SR-22 without owning a car in New Hampshire?
Yes. New Hampshire requires an SR-22 filing for 3 years after a DWI, leaving the scene of an accident, or a second reckless operation conviction. A non-owner policy with an SR-22 certificate satisfies the state's requirement when you own no car. Carriers that write non-owner SR-22 in New Hampshire include Geico, Progressive, USAA, Farmers, National General, and The General.
Which carriers write non-owner insurance in New Hampshire?
Carriers writing non-owner policies in New Hampshire include Geico, Progressive, USAA, Farmers, Bristol West, National General, The General, and Travelers. For drivers who need an SR-22 filing, the subset that writes non-owner SR-22 is smaller: Geico, Progressive, USAA, Farmers, National General, and The General.
How long does New Hampshire require SR-22 filing for non-owner policies?
New Hampshire requires SR-22 filing for 3 years after a DWI, leaving the scene of an accident, or a second reckless operation conviction. The 3-year period starts from the conviction date, not the filing date. A non-owner policy maintains the SR-22 filing for the full 3 years even when you own no car.
Does a non-owner policy in New Hampshire cover rental cars?
A New Hampshire non-owner policy provides liability coverage when you drive a rental car, but it does not cover physical damage to the rental itself. Rental companies offer collision damage waivers to cover the car. Your non-owner policy covers your liability to others, plus PIP and uninsured motorist as required by New Hampshire law.
Coverage Types
Non-Owner Liability Insurance
Liability-only coverage that follows you when driving cars you don't own. Covers bodily injury and property damage to others when you're at fault, with no collision or comprehensive coverage because there's no owned vehicle.
Non-Owner SR-22 Insurance
A non-owner policy with an SR-22 certificate filed to the state. Satisfies New Hampshire's 3-year filing requirement after a DWI, leaving the scene, or second reckless operation conviction when you own no vehicle.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance. Covers your medical expenses and, in some cases, property damage when the at-fault driver cannot pay.
Non-Standard Auto Insurance
Coverage for drivers with violations, lapses, or other high-risk factors. Non-standard carriers specialize in profiles that standard carriers decline, including non-owner SR-22 policies.
Find Your City in New Hampshire
Manchester
Manchester's urban density and 0.96 traffic fatalities per 100 million vehicle miles traveled make liability coverage essential for non-owner drivers borrowing or renting cars in the city.
Nashua
Nashua's proximity to Massachusetts and cross-border commuting patterns mean non-owner drivers need coverage that follows them across state lines, which a New Hampshire non-owner policy provides.
Concord
Concord's role as the state capital means non-owner drivers often need SR-22 filings processed through the New Hampshire Department of Safety, and a non-owner policy satisfies that requirement without owning a car.