NH Motorcycle Coverage
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New Hampshire is one of just three states that do not require all riders to carry an insurance policy. Riders may be required to carry a policy under certain circumstances such as a conviction for driving under the influence of alcohol or drugs or multiple reckless operation citations, among others. Riding without a policy makes owning a motorcycle even less expensive to operate–that is, if you do not have an accident. One accident will change your mind about having a policy for sure.
Additionally, New Hampshire is an ”at fault” motorcycle insurance state. If you do not have the right coverages in place and are found at fault in an accident, you will face fines, penalties, license suspension, and potential jail time on top of owing all medical and property bills associated with the accident. To help you understand motorcycle insurance issues in New Hampshire, let’s have a look at how the state defines a motorcycle for law enforcement and insurance purposes, some of the required equipment to make your bike street legal, as well as the coverage levels and types you may need.
NH Motorcycle Laws
According to the legislature in New Hampshire, a motorcycle is…
“…any motor vehicle having a seat or saddle for the use of the rider and designed to travel with no more than three wheels in contact with the ground; excluding a tractor; all terrain vehicles; or an electric personal mobility device; and has a rated engine capacity in excess of 49 cc and 2 brake horsepower.”
The Granite State is a great place to ride. Once you leave the crowded urban areas around cities like Concord, you are in breathtaking rural settings. Whether you are competing with congested traffic or not, your bike needs to be street legal at all times. In New Hampshire, street legal motorcycle requirements include:
- Eye protection: required, unless equipped with a windscreen.
- Handlebar height: can not exceed shoulder height of the rider when sitting in the saddle.
- Helmet: required for all riders under the age of 18.
- Mirrors: one required.
- Turn Signals: required for bikes manufactured after 1972.
- Passenger Seat and Passenger Footrests: required if carrying a passenger. No restrictions on a passenger’s age.
- Headlight: required; a modulating daytime headlight is approved.
- Muffler: required, not cutouts allowed. Acoustical requirements are: Max sound level of no more than 106dBA when measured 20 inches from the exhaust pipe at a 45 degree angle.
- Safety Inspection: periodic inspections required.
NH Motorcycle Insurance Requirements
If you opt to have motorcycle insurance in New Hampshire, your policy must meet the same minimal levels as auto insurance policies. Those limits are:
$25,000 for death or bodily injury to one person;
$50,000 for death or bodily injury to two or more persons;
$25,000 for damage or destruction of property; and
$1,000 in medical payments.
While New Hampshire has fairly high coverage requirements, an accident that results in a serious injury could quickly reach those limits. When your policy falls short, you will be responsible for all additional costs, potentially draining your life savings, whether you are at fault or not.
If there is a lien against your bike, your lender will require better coverage as a condition of the loan. Even if you own your bike free and clear, you should still consider having additional coverages in place to protect your life savings. Some policy types that you should consider are:
- Collision coverage protects your bike in an accident under nearly every circumstance. It may or may not include uninsured/under-insured coverage. If it doesn’t, take care to add it.
- Uninsured/Under-insured motorist coverage. Given that more than 9 percent of the motorists in New Hampshire are uninsured on any given day, you can understand the need for this type of coverage. The under-insured aspect of the policy protects you in case the other driver is from a state with lower minimum requirements or the injuries exceed the policy caps of an at fault motorist.
- Comprehensive coverage covers nearly anything that does not result from an accident, such as fire, flood, wind, storm, animal strikes, theft, and vandalism.
- Bodily injury coverage covers certain costs if you injure or kill someone in an at-fault accident. It also protects your passenger.
Types of Bikes Covered
Just about any type of motorcycle can be insured. We have more information about insuring specific types of bikes.
We have created an easy to use tool so that you can get quotes for the coverage you need. All you have to do is enter your zip code and begin reviewing information from companies like Progressive, Geico, Dairyland, and more.
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