Motorcycle Insurance for New Hampshire
New Hampshire motorcycle insurance for riders who know the roads.
From the Kancamagus Highway on NH Route 112 to the Mount Washington Auto Road, Roamly works with carriers who understand how Granite Staters actually ride.
New Hampshire at a Glance
Requirement | Details |
|---|---|
Minimum liability | Insurance isn't mandatory, but you must be able to show financial responsibility after a crash. If you buy a policy, it must carry at least 25/50/25 ($25k bodily injury per person, $50k per accident, $25k property damage), plus uninsured motorist coverage equal to your liability limits. |
Helmet law | Required for operators and passengers under 18. Operators of any age need glasses, goggles, or a face shield unless the bike has a windshield or screen that protects the eyes and face. |
Lane splitting | Illegal. New Hampshire law bars riding between lanes of traffic or between rows of vehicles. A 2025 bill to allow filtering was killed, and a new request has been filed for 2027. |
Registration | As of September 2026, the state motorcycle registration fee is $30 a year (up from $15 on January 1, 2026), plus town and city fees. The state safety inspection program has been suspended since early 2026, and its future is still being decided. |
Requirements and regulations may change. Verify with the New Hampshire Insurance Department and the New Hampshire Division of Motor Vehicles for the most current information.
What you need to know about Motorcycle Insurance in New Hampshire
New Hampshire doesn't require motorcycle insurance, but an uninsured crash can cost you your license and registration — and if you do buy a policy, some coverages come with it automatically. Here's what actually shapes your policy.
New Hampshire's 25/50/25 Minimum
You're not required to carry insurance, but any policy you buy must include at least 25k/50k bodily injury and $25k property damage. Uninsured motorist coverage is built in and automatically matches your liability limits. We'll help you figure out what makes sense for how you ride.
Agreed Value for Custom Builds
Your Breakout with the drag bars and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
Riders come for the Kancamagus and the White Mountains every season. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 Filing When Needed
After a DWI, leaving the scene of a crash, or a crash while uninsured, the New Hampshire DMV can require an SR-22 for at least three years. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like on the Kancamagus Highway, where there are no gas stations between Lincoln and Conway. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — even though New Hampshire only requires a helmet under 18, mountain weather changes fast and good gear isn't cheap to replace. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. Coverage terms, conditions, and availability vary by state and policy. See policy for details. |
Rent Your Bike Without Losing Coverage
The White Mountains draw riders from all over New England, and a bike can do more than sit in the garage between your own rides. Listing yours on Twisted Road or Riders Share can help it earn its keep, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.
What New Hampshire Actually Requires
New Hampshire doesn't require insurance, but any policy you buy has to meet 25/50/25. That's $25k per person and $50k per accident for bodily injury, plus $25k for property damage, with uninsured motorist coverage that matches your liability limits. Riding without insurance is legal, but if you crash while uninsured you'll need to show you can pay for the damage — or face losing your license and registration and filing an SR-22. New Hampshire is an at-fault state with no PIP. Riders under 18 need a helmet, and operators need eye protection unless the bike has a windshield. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. New Hampshire law references current as of September 2026 — confirm current requirements with the New Hampshire Insurance Department and the New Hampshire Division of Motor Vehicles.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
New Hampshire doesn't require you to carry insurance, but you must be able to show financial responsibility after a crash. If you buy a policy, it must include at least 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage, along with uninsured motorist coverage equal to your liability limits. These minimums might not be enough if you cause serious damage or injury. Requirements may change — verify with the New Hampshire Insurance Department.
Only if you're under 18. Operators and passengers under 18 need an approved helmet, and an operator who carries a passenger under 18 without one can be cited too. Operators of any age need glasses, goggles, or a face shield unless the bike has a windshield or screen that protects the eyes and face.
It depends on your bike, riding history, where you live, and the coverage you pick. Your liability limits — which set your uninsured motorist limits too — and whether you add collision, comprehensive, or more medical payments coverage will change the price. Get a personalized quote to find out your rate.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.
Liability pays for damage you cause to other people and their property, and in New Hampshire it's the core of any policy you buy. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or storm damage. If you're financing, your lender will likely require both.
An SR-22 is a certificate your insurer files with the New Hampshire DMV's Bureau of Financial Responsibility to prove you carry at least the minimum coverage — it's the only proof the DMV accepts. It's required after any DWI, leaving the scene of a crash, or a second reckless operation offense, and it may be required after an uninsured crash. You'll generally need it for three years. Roamly works with carriers that file SR-22s and can help you keep it active. Coverage terms, conditions, and availability vary by state and policy.
It can. New Hampshire allows insurers to use credit for auto insurance, but it has to be based on objective, documented, and measurable standards, with consumer protections like notice and prompt correction of errors. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.
Still have questions?
Call us at 877.725.1245
New Hampshire Motorcycle Insurance Quotes
New Hampshire motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
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