New Hampshire motorcycle insurance

Q: What's the best motorcycle insurance in New Hampshire?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Manchester, Nashua, Concord, or anywhere in between, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in New Hampshire for bikers without discarding the valuable protection you need to ride with peace of mind.

New Hampshire is one of the most popular places in America to own a motorcycle. Progressive is proud to help bikers throughout the Granite State with customized protection and a variety of discounts that help you save. Find out all you need to know about motorcycle insurance in New Hampshire.

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What are the minimum requirements for motorcycle insurance in New Hampshire?

New Hampshire motorcycle laws require all riders to show proof of financial responsibility. One way to prove financial responsibility is to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage won’t cover damage to your bike but may pay for injuries and damage you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

New Hampshire also mandates uninsured motorist bodily injury coverage, which may cover medical bills for you and your passengers if the other motorist is at fault and has no insurance. New Hampshire also requires medical payments coverage, which covers medical bills for you and your passengers regardless of who is at fault.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Bodily injury property damage	What it coversDamages you cause to others in an accident	Minimum amount$25,000 per accident
Uninsured motorist bodily injury	What it coversMedical bills for you and your passengers if the at-fault motorist has no insurance	Minimum amount$25,000 per person $50,000 per accident
Medical payments	What it coversMedical bills for you and your passengers, regardless of fault	Minimum amount$1,000 per person

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are often required if you're financing or leasing your motorcycle. If not, these coverages are optional. But we know motorcycle owners are always investing in their bikes. Comprehensive coverage can protect your prized possession, as it may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in New Hampshire?

In 2023, the annual cost for a Progressive motorcycle insurance policy in New Hampshire with liability coverage was only $166.98.^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in New Hampshire?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Manchester, Nashua, Concord, or anywhere in between, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in New Hampshire for bikers without discarding the valuable protection you need to ride with peace of mind.

You can decrease the cost of motorcycle insurance in New Hampshire with motorcycle insurance discounts, such as:

Multi-policy discount
Safe and steady rider discount
Motorcycle license/endorsement discount
Safety course discount
Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in New Hampshire

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to upgrades you've made to your bike and equipment, including chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in New Hampshire

New Hampshire law requires any motorcycle operator or passenger under 18 to wear a helmet. Adults are not required to wear a helmet while riding.
New Hampshire experienced 39 motorcycle deaths in 2023, the most since 2005.
Laconia Motorcycle Week, the "world's oldest motorcycle rally," started in 1916 and regularly draws more than 100,000 people to Laconia, New Hampshire.