Non-Owner Car Insurance
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Non-Owner Car Insurance — New Hampshire

A New Hampshire non-owner policy carries the state's 25/50/25 liability minimum without requiring an owned vehicle. If you need an SR-22 filing, a non-owner policy can satisfy the state's 3-year requirement even when you own no car.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

New Hampshire Non-Owner Liability Requirements

New Hampshire requires 25/50/25 liability coverage: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. 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.

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25/50 minimum
Bodily Injury Liability
Covers injury to others when you're at fault. A New Hampshire non-owner policy must carry at least $25,000 per person and $50,000 per accident. This is the core of what a non-owner policy provides: liability protection that follows you, not a car you own.
$25,000 minimum
Property Damage Liability
Pays for damage to another person's property when you're at fault. New Hampshire's $25,000 minimum applies to non-owner policies just as it does to standard auto policies. This coverage sits behind any policy on the car you're driving.
Required by state
Uninsured Motorist Coverage
New Hampshire mandates uninsured motorist coverage, which protects you when hit by a driver with no insurance. Non-owner policies include this coverage because 10% of New Hampshire motorists drive uninsured, and you need protection even when driving a borrowed or rented car.
Required by state
Personal Injury Protection (PIP)
New Hampshire requires PIP, which covers your medical expenses regardless of fault. A non-owner policy includes PIP for you as the driver, but it does not cover physical damage to the vehicle you're driving because you own no car to insure.
SR-22 required, 3 years
Non-Owner SR-22 Filing
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. If you own no car, a non-owner policy with an SR-22 satisfies the state's requirement. Carriers that write non-owner SR-22 in New Hampshire include Geico, Progressive, USAA, Farmers, National General, and The General.
State-Mandated Minimum Coverage · New Hampshire

New Hampshire Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$100

Meeting the state minimum keeps you legal. See whether it's enough — get your New Hampshire quote.

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What Shapes Non-Owner Costs in New Hampshire

Non-owner premiums in New Hampshire reflect your driving history, whether you need an SR-22 filing, and the liability limits you choose above the state minimum. The 3-year SR-22 filing period adds cost because it signals higher risk to carriers. Carriers that write non-owner policies in New Hampshire include Geico, Progressive, USAA, Farmers, Bristol West, National General, The General, and Travelers.

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.
  • New Hampshire's 10% uninsured motorist rate makes uninsured motorist coverage mandatory and adds to the premium.
  • 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.
Non-Owner Liability Only
25/50/25 min
Clean driving record, no SR-22 filing, state minimum liability limits. This is the baseline non-owner profile.
Non-Owner With SR-22
3-year filing
SR-22 filing required for 3 years. Fewer carriers write non-owner SR-22 policies, which narrows your options and raises cost.
Non-Owner After Major Violation
3-year filing
Major violation with SR-22 filing. Premiums reflect the violation severity and the 3-year filing requirement.

Get non-owner SR-22 coverage without owning a vehicle

Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.

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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, New Hampshire cityscape and street view

Manchester

urbanNon-owner premiums in Manchester reflect urban driving patterns and the state's mandatory PIP and uninsured motorist requirements.

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, New Hampshire cityscape and street view

Nashua

suburbanNon-owner rates in Nashua account for commuting density and the state's 25/50/25 liability minimum.

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, New Hampshire cityscape and street view

Concord

suburbanNon-owner premiums in Concord reflect the state's 3-year SR-22 filing period for drivers with DWI or leaving-the-scene convictions.

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.

Aerial view of a town at sunset with houses, church spire, and dramatic purple-orange sky over green fields

Derry

suburban
Autumn forest path with golden fall foliage and fallen leaves covering a winding trail through tall trees

Dover

suburban
Modern university campus with brick buildings and a black clock tower surrounded by green trees

Rochester

suburban
Winter creek flowing through snowy landscape at sunset with orange sky reflecting in water

Keene

urban
Waterfront city view at sunset with brick buildings reflected in calm water under dramatic cloudy sky

Portsmouth

urban

Frequently Asked Questions

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