Cheapest Auto Insurance in New Hampshire (2024)

New Hampshire is the only state that doesn't require drivers to carry a minimum amount of liability car insurance.

6+ years writing about insurance, travel, and personal finances

Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

Read Editorial Guidelines

Featured in

3+ years producing insurance and personal finance content

Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

Featured in

30+ years in financial services

Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Read Editorial Guidelines

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Updated July 15, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Cheapest recent rates in New Hampshire

We just helped a driver in Nashua, New Hampshire cover their Chevrolet Malibu with this quote from Safety Insurance.

A Franklin, New Hampshire driver just saved on coverage for their Toyota Prius with this quote from Bristol West.

Allstate's average rate for New Hampshire drivers with good credit and a clean driving record.

We just helped a driver in Manchester, New Hampshire cover their Honda Accord with this quote from National General.

State Farm's average rate for New Hampshire drivers with good credit and a clean driving record.

GEICO's average rate for New Hampshire drivers with good credit and a clean driving record.

USAA's average rate for New Hampshire drivers with good credit and a clean driving record.

Nationwide's average rate for New Hampshire drivers with good credit and a clean driving record.

Progressive's average rate for New Hampshire drivers with good credit and a clean driving record.

*Quotes generated for Insurify users from New Hampshire within the last 10 days. Last updated on July 11, 2024

Safety Insurance helped a Subaru Crosstrek driver in Berlin, New Hampshire save on car insurance with this quote.

A Somersworth, New Hampshire driver just saved on coverage for their Nissan Kicks with this quote from National General.

GEICO's average rate for New Hampshire drivers with good credit and a clean driving record.

Bristol West helped a Toyota Highlander driver in Nashua, New Hampshire save on car insurance with this quote.

State Farm's average rate for New Hampshire drivers with good credit and a clean driving record.

Allstate's average rate for New Hampshire drivers with good credit and a clean driving record.

Safeco's average rate for New Hampshire drivers with good credit and a clean driving record.

National General's average rate for New Hampshire drivers with good credit and a clean driving record.

USAA's average rate for New Hampshire drivers with good credit and a clean driving record.

*Quotes generated for Insurify users from New Hampshire within the last 10 days. Last updated on July 11, 2024

In New Hampshire, if you don’t buy at least the state’s minimum amount of liability car insurance, you have to provide proof of financial responsibility. That means you have to demonstrate to the state that if you cause an accident, you can pay out of pocket amounts that are equal to the state’s minimum insurance requirements.[1]

Most drivers probably can’t afford to pay tens of thousands of dollars after an at-fault accident, which could explain why just 6.1% of New Hampshire motorists drive without car insurance.[2] Granite State drivers face lower-than-average car insurance costs. The average cost of full coverage car insurance in New Hampshire is $134 per month, and liability-only coverage averages $60 per month. By comparison, the national average for full coverage is $214 and $105 for liability only.

It's a good idea to buy car insurance, even if you're not required to. And comparing quotes from multiple companies is the best way to find affordable car insurance in New Hampshire.

Liability-only car insurance in New Hampshire costs, on average, $726 per year. Full coverage averages $1,603 annually.

Because New Hampshire is prone to severe winter and coastal weather events, drivers should consider purchasing full-coverage car insurance.

If you buy car insurance in New Hampshire, you must purchase at least 25/50/25 liability limits.[3]

3 of the cheapest car insurance companies in New Hampshire

Finding the cheapest car insurance companies in New Hampshire involves more than searching for the lowest price. If you purchase auto insurance, you’ll need to find a policy that offers the coverage you need and the savings opportunities you want. Compare quotes from multiple insurers, many of which offer better rates to certain categories of drivers.

Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

Best full-coverage insurance: Liberty Mutual

Full-Coverage InsuranceLiberty Mutual

Liberty Mutual’s slogan, “Only pay for what you need,” fits well with New Hampshire drivers, who have the option of how much auto insurance they want, and no legal requirement. Customizable policies allow drivers to include or exclude coverages like comprehensive, collision, and liability. Liberty Mutual has good financial standing as well, with an A rating from S&P, A rating from AM Best, and an A2 from Moody’s.

Customizable coverage available

11 available discounts

Low J.D. Power satisfaction rating in the New England region

Exceptionally high National Association of Insurance Commissioners (NAIC) customer complaint index

Expensive but Excellent Service

Fair

Worst Insurance Experience Ever!

Best for discounts and savings: Safeco

Discounts and SavingsSafeco

Safeco is a Liberty Mutual company, though it offers different rates, discounts, and incentives for drivers in New Hampshire. Safeco uses independent agents to write policies, so drivers who appreciate personalized attention may prefer this method. Savings incentives, like a diminishing deductible for up to five years, a claims-free cash back offer every six months, and accident forgiveness, are great ways to keep your premium as low as possible.

Claims-free cash back and diminishing deductible programs

Offers an accident-forgiveness program

Higher-than-average NAIC complaint score

Can’t buy a policy online

Unfair

I found a cheaper insurance

Too Expensive

Best for coverage options: GEICO

bundlingGEICO

Whether you enjoy camping in the White Mountains, riding your motorcycle down the Kancamagus Highway, or lounging on your boat on Lake Winnipesaukee, GEICO has a coverage option for you. New Hampshire residents can easily insure their car with GEICO, but they can also insure their motorcycles, ATVs, RVs, and boats. Additionally, GEICO offers some of the most affordable rates for car insurance in New Hampshire.

Coverage availible for RVs, ATVs, boats and motorcycles

Competitive and affordable rates

Gap insurance not availible

High rates for drivers with an incident on their record

Expensive

4-Year Experience with GEICO

Outstanding!

How to get the cheapest car insurance in New Hampshire

Here are some of the best ways to find affordable car insurance in New Hampshire for your coverage needs and situation:

Ask about discounts. Call the insurance company you’re interested in to ask which discounts you may be eligible for. The more discounts you can qualify for, the lower your insurance premiums will be.

Bundle your coverage. Many insurers offer lower rates to people who buy multiple insurance products, like auto insurance and home insurance, together.

Raise your deductible. If you can afford a higher out-of-pocket cost when filing a claim, raising your collision or comprehensive deductible usually results in lower monthly premiums.

Compare quotes. A good way to ensure you’re getting the best prices possible is to compare quotes from at least three different insurers. Use a comparison website to gather multiple quotes at once for easy comparison.

Cheapest liability-only car insurance in New Hampshire

Auto liability coverage usually includes property damage coverage and bodily injury coverage. Each pays for the injuries or damages you cause another person or property. While New Hampshire doesn’t require everyone to buy car insurance, you must buy liability coverage if you can’t demonstrate financial responsibility for at-fault accidents.

If you do chose to purchase liability coverage, you can expect an average rate of $60 per month. The table below shows various insurers that offer liability insurance in New Hampshire.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Find Cheap Car Insurance in New Hampshire

Unlock savings and discounts when you compare rates through Insurify

Cheapest full-coverage car insurance in New Hampshire

Full-coverage policies are a good idea for drivers with newer vehicles or for anyone who might not be able to afford repairs after an incident. If you lease or finance your vehicle, your leasing company or lender will require you to have full coverage. A full-coverage policy typically includes comprehensive coverage, so they cover damages and losses from theft, vandalism, falling objects, and weather events.

Because New Hampshire is prone to winter and coastal storms, Consumer Federation of America research and advocacy associate Michael DeLong recommends full-coverage policies for drivers in the state.[4] “Unusual weather events can happen at any time, especially because of shifting patterns due to climate change,” he says.

On average, a full coverage policy in New Hampshire costs $134 per month. Below are the cheapest full-coverage car insurance companies in New Hampshire.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest recent rates in New Hampshire

Safety Insurance helped a Chevrolet Malibu driver in Nashua, New Hampshire save on car insurance with this quote.

We just helped a driver in Manchester, New Hampshire cover their Honda Accord with this quote from National General.

Allstate's average rate for New Hampshire drivers with good credit and a clean driving record.

Bristol West helped a Jeep Cherokee driver in Nashua, New Hampshire save on car insurance with this quote.

State Farm's average rate for New Hampshire drivers with good credit and a clean driving record.

GEICO's average rate for New Hampshire drivers with good credit and a clean driving record.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 2024

We just helped a driver in Berlin, New Hampshire cover their Subaru Crosstrek with this quote from Safety Insurance.

A Nashua, New Hampshire driver just saved on coverage for their Toyota Highlander with this quote from Bristol West.

Allstate's average rate for New Hampshire drivers with good credit and a clean driving record.

We just helped a driver in Somersworth, New Hampshire cover their Nissan Kicks with this quote from National General.

State Farm's average rate for New Hampshire drivers with good credit and a clean driving record.

GEICO's average rate for New Hampshire drivers with good credit and a clean driving record.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 2024

Car insurance requirements in New Hampshire

New Hampshire is unique among most other states: Drivers don’t legally have to carry car insurance. You only need to demonstrate that you have the funds necessary to meet the requirements of the state’s motor vehicle responsibility limits if you cause an accident. If you buy car insurance in New Hampshire, you must meet these liability limits:[3]

$25,000 per person and $50,000 per accident

$25,000 per accident

However, you should consider having at least some form of car insurance, no matter how often or far you drive. Many coverage options are available, each applying to certain damages, including:

This pays for the injuries you sustain if the driver at fault doesn’t have any or enough coverage to pay for them.

This covers damages when you hit something with your vehicle, either another car or an object, even if it’s your fault.

This pays for damages to your vehicle from fires, wildlife, weather, theft, vandalism, or anything else that isn’t a collision.

If you finance or lease your vehicle, this coverage pays the difference between the remainder of your auto loan and your insurance settlement after a total loss.

Learn More: How Much Car Insurance Do You Need?

Cheapest car insurance for drivers with an incident

Keeping a clean record in New Hampshire can be tough. Inclement weather, congested roads, and wildlife can lead to accidents. Remember that other incidents besides at-fault accidents can increase your costs too. Driving under the influence and speeding tickets can raise your premiums in New Hampshire and make finding affordable car insurance difficult.

Granite State drivers with incidents on their motor vehicle records pay an average of $198 per month for full coverage and $89 for liability-only insurance, Insurify data shows.

Find Car Insurance in New Hampshire

Insurify partners with 100+ top companies to show the most accurate rates

Cheapest car insurance for drivers with a speeding ticket

Speed is a factor in many car accidents. Speeding doesn’t only mean exceeding the speed limit, either; sometimes, driving even the posted speed limit on a dark, rainy, or snowy New Hampshire road can increase the likelihood of an accident.[5]

A speeding ticket, no matter the amount over the limit, signals to an insurer that a driver isn’t as responsible behind the wheel as they can be. That’s why just one speeding ticket can make your premiums jump. In New Hampshire, drivers with speeding tickets face average monthly rates of $240 for full coverage and $108 for liability only.

Here are the average monthly quotes from top insurers for New Hampshire drivers with a speeding ticket.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest car insurance for drivers with an at-fault accident

A single claim can cause your car insurance rates to increase, which is why it’s important to avoid at-fault accidents.[6] Mistakes happen, but because your insurer will have to pay for damage you cause, it can raise your premiums significantly.

An at-fault accident pushes average rates in New Hampshire to $196 per month for full coverage and $88 for liability only. To start your search for car insurance after an at-fault accident, here are the cheapest insurers in New Hampshire.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest car insurance for drivers with a DUI

New Hampshire requires people with any DUI conviction on their record to file an SR-22 insurance form.[7] Furthermore, DUIs are serious charges that insurers typically penalize with the highest prices.[6] If you have a DUI on your record, expect your New Hampshire insurance premiums to almost triple and the impact will last for three to five years.

On average, New Hampshire drivers with DUIs see monthly rates of $222 for full coverage and $100 for minimum coverage. Here are average monthly quotes for New Hampshire drivers with a DUI from top car insurance companies.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest car insurance for seniors

Drivers will notice their premiums decrease around age 35, then increase again around age 70. Even with more driving experience, senior drivers are more at risk for specific types of crashes, like merging crashes and intersection crashes.

Changes to driving ability due to medication use and physical, cognitive, or visual differences increase the risk of accidents, which is why insurers often increase premiums for older drivers.[8] However, senior drivers in New Hampshire generally pay lower average costs than younger drivers. On average, car insurance for seniors costs $92 per month for full coverage and $41 for liability only. The table below shows the cheapest insurers in New Hampshire for older drivers.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest car insurance for teens

Across the nation, teens have a higher risk of being involved in fatal car accidents than all other age groups due to their inexperience, overconfidence, and increased distractions.[9] However, New Hampshire has a low number of fatal accidents for drivers younger than 20 each year.[10]

Teens may still see higher premiums than average, but they can lower them by staying on their parents’ insurance policies, earning discounts for maintaining good grades, and driving a car with insurer-preferred safety features. Parents should also ask their insurer if it offers discounts for teen drivers who are away at college without a car.

Teen drivers in New Hampshire see average car insurance rates of $241 per month for full coverage and $108 for liability only.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Find Car Insurance in New Hampshire

Compare quotes from multiple insurers in minutes with Insurify

New Hampshire car insurance quotes by credit tier

New Hampshire is among the majority of states that allow car insurance companies to use a driver’s credit history as a factor in setting premiums.[11] Insurers may use credit information to create a credit-based insurance score to help predict your risk of filing a claim. In most cases, drivers with poor credit scores get higher premiums than drivers with excellent or good credit scores.

New Hampshire car insurance FAQs

Understand how age and gender affect car insurance before you shop for quotes to help you compare prices. And check out the answers below to common questions about car insurance in New Hampshire.

How much is car insurance in New Hampshire?

The average cost of car insurance in New Hampshire is $134 per month for full coverage and $60 for minimum coverage. By comparison, the rates in neighboring Vermont are $154 and $68, respectively. In Maine, full-coverage averages $171 per month, and $91 for liability-only policies.

What are the best car insurance companies in New Hampshire?

Some of the best car insurance companies in New Hampshire are GEICO, Safeco, and State Farm. These companies have strong J.D. Power customer satisfaction and A.M. Best financial strength ratings. They also received high Insurify Quality Scores in Insurify’s proprietary rating system.

Is New Hampshire a no-fault state?

No. New Hampshire follows a fault-based system in car insurance.[12] This means that the driver at fault for a car accident is responsible for paying for the damages and injuries they cause to other parties.

Is it legal to drive without insurance in New Hampshire?

Not necessarily. You can drive without insurance in New Hampshire if you can demonstrate financial responsibility for paying for at-fault accidents. If you can’t meet these requirements, you must buy New Hampshire 25/50/25 minimum coverage to drive.[3]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

3+ years producing insurance and personal finance content

Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

Featured in

30+ years in financial services

Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Read Editorial Guidelines

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Compare Car Insurance Quotes Instantly

Latest Articles

Cheapest Car Insurance for Drivers Under 25 (2024)

Finding cheap car insurance for drivers under 25 can be tough, but there are plenty of affordable options if you know where to look.

Best Car Insurance Companies for Teenagers (2024)

Teens are notoriously expensive to insure. Check out the cheapest car insurance companies for teenagers to find a better deal.

Best Car Insurance with a $500 Deductible (2024)

Nationwide has the cheapest full-coverage car insurance with a $500 deductible, at $273 per month. Your deductible is what you pay when you file a claim.

Best Car Insurance Companies for High-Risk Drivers (2024)

High-risk drivers can still find affordable car insurance. Discover the best companies for high-risk insurance policies and the steps to lower your risk.

Find the Cheapest Car Insurance After a DUI (2024)

Can you get car insurance after a conviction for driving under the influence? Learn about DUI car insurance and how to get it.

The Best Car Insurance for Bad Drivers (2024)

Drivers with bad driving records get the best car insurance rates from companies like GEICO, State Farm, and Travelers.