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New Hampshire: uninsured drivers

The share of drivers on the road without insurance in each state, and whether you must buy uninsured motorist coverage.

Single detailed source
Estimated share of drivers uninsured (2023)10.0%
Uninsured motorist coverageNot required (car insurance itself is optional, but a policy must include it)

Uninsured rates are Insurance Research Council estimates for 2023, the latest available. Required coverage limits usually match your state's liability minimums.

General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in New Hampshire.

How New Hampshire compares

10% ranks 40 of 51 (1 = highest) for share of drivers uninsured (2023).

Lowest 5.7%Highest 28.2%

Alaska: 12.5%AKMaine: 5.7%MEVermont: 11.8%VTNew Hampshire: 10.0%NHWashington: 19.1%WAIdaho: 6.4%IDMontana: 7.2%MTNorth Dakota: 10.6%NDMinnesota: 11.3%MNIllinois: 15.2%ILWisconsin: 15.6%WIMichigan: 22.3%MINew York: 8.6%NYRhode Island: 12.4%RIMassachusetts: 7.9%MAOregon: 14.7%ORNevada: 11.1%NVWyoming: 6.7%WYSouth Dakota: 9.4%SDIowa: 11.4%IAIndiana: 14.0%INOhio: 18.5%OHPennsylvania: 11.0%PANew Jersey: 14.1%NJConnecticut: 11.8%CTCalifornia: 20.4%CAUtah: 6.2%UTColorado: 19.7%CONebraska: 9.5%NEMissouri: 20.7%MOKentucky: 14.1%KYWest Virginia: 7.8%WVVirginia: 12.9%VAMaryland: 16.9%MDDelaware: 17.6%DEArizona: 10.6%AZNew Mexico: 24.1%NMKansas: 12.0%KSArkansas: 12.1%ARTennessee: 21.3%TNNorth Carolina: 11.8%NCSouth Carolina: 10.3%SCDistrict of Columbia: 23.1%DCOklahoma: 12.0%OKLouisiana: 11.7%LAMississippi: 28.2%MSAlabama: 16.8%ALGeorgia: 19.0%GAHawaii: 9.6%HITexas: 14.5%TXFlorida: 20.6%FL
  • 5.7% – 9.6% (11)
  • 10% – 11.8% (12)
  • 12% – 14.1% (9)
  • 14.5% – 19% (9)
  • 19.1% – 28.2% (10)

Also for New Hampshire: Car insurance by state in New Hampshire · Claim deadlines in New Hampshire · Small claims limits in New Hampshire · Total loss rules in New Hampshire · Dog bite rules in New Hampshire · Shared fault rules in New Hampshire · Accident reporting rules in New Hampshire · Phone-while-driving laws in New Hampshire · Motorcycle helmet laws in New Hampshire · All New Hampshire rules on one page

How we checked this

Uninsured rates are Insurance Research Council estimates for 2023. Coverage requirements come from the APCIA/Insurance Information Institute state table and were checked against a second listing of the III data. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.

Cross-checked sources agree   Checked on official source confirmed on a government, court or legislature site   Single detailed source one detailed table built from statutes or official data   Under review sources disagree; read the note and the law.