New Hampshire does not require auto insurance to operate — it runs a financial-responsibility system, and any policy issued must be at least $25,000/$50,000/$25,000. The only tow insurance rule in state law is the State Police tow-list rule: $1,000,000 liability including garagekeepers.
Law: RSA 264; RSA 259:61; RSA 106-B:30, XVI · RSA 106-B:30, XVI · RSA 106-B:30, XVI · RSA 106-B:30, I, XXI
NH has no general intrastate for-hire property-carrier insurance statute — RSA 375 (1967), RSA 375-B (2013), and RSA 375-A (2023) are all repealed, and the implementing Saf-C 4000 rules expired in 2006. NH does not require auto insurance to operate; RSA 264 is after-the-fact financial responsibility. The only tow insurance rule in state law is the State Police tow-list rule (RSA 106-B:30, XVI). Cargo: no minimum in RSA 106-B:30 (read in full) or the RSA 262 provisions reviewed. Municipal rotation lists may set their own requirements. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for New Hampshire →Independent-contractor test: Statutory 7-criteria test — RSA 281-A:2, VI(b)(1). DIFFERENT from UI, which uses a 3-prong ABC test (RSA 282-A:9, III).
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
More tools: state requirements lookup · workers’ comp lookup · coverage quiz · fuel cost calculator · rotation checklist
Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.