Cheapest Auto Insurance in New Hampshire (2025)
New Hampshire is the only state that doesn't require drivers to carry a minimum amount of liability car insurance.
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Written byNick Dauk
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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.
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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byDaniel Roccato
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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.
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Data reviewed byKonstantin Halachev
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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.
Updated
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Table of contents
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]
It’s a good idea to buy car insurance, even if you’re not required to. Here’s what you should know about finding car insurance in the Granite State.
Quick Facts
The average cost of full-coverage car insurance in New Hampshire is $113 per month, and liability-only coverage averages $59 per month, which is lower than the national average.
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]
Because New Hampshire is prone to severe winter and coastal weather events, drivers should consider purchasing full-coverage car insurance.
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.
Liberty Mutual
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $116/mo |
3.7
A solid optionBased on 2,837 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,657)
Stacie
March 23, 2025
Verified Review
I Like Liberty Mutual, I Just Can't Afford Them
Don't be late making your payments.
Christopher
March 23, 2025
Verified Review
Rates Creep Up Dramatically
It's very pricey, especially after the initial discount.
Lester
March 23, 2025
Verified Review
Not Competitively Priced
Overpriced.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
806NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
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.
Pros
Customizable coverage available
11 available discounts
Cons
Low J.D. Power satisfaction rating in the New England region
Exceptionally high National Association of Insurance Commissioners (NAIC) customer complaint index
Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $69/mo |
4.5
Best choiceBased on 803 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (451)
Joseph
March 19, 2025
Verified Review
Average
My policy went up five times even though I had no accidents or violations.
John
March 18, 2025
Verified Review
Terrible
They doubled my price even though I haven't had a claim in 25 years.
Jason
March 16, 2025
Verified Review
Great Insurance, But Not for Those on a Budget
It's a great insurance company, it just got too expensive for me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
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.
Pros
Claims-free cash back and diminishing deductible programs
Offers an accident-forgiveness program
Cons
Higher-than-average NAIC complaint score
Can’t buy a policy online
GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $38/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $67/mo |
4.0
Best choiceBased on 11,167 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,117)
Alan
March 23, 2025
Verified Review
Great Auto Insurance Company
They provide excellent service on anything you call about. I highly recommend them as they are cheaper than Progressive.
David
March 23, 2025
Verified Review
Great
I've only been with them for a short time. So far, everything has been great.
Donald
March 23, 2025
Verified Review
Excellent coverage and value with GEICO
I have been with GEICO for years. I have considered switching to other insurance companies that claim to be less expensive. However, when I factor in all the coverage that we have, the cost with other companies always turns out to be higher than GEICO.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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.
Pros
Coverage availible for RVs, ATVs, boats and motorcycles
Competitive and affordable rates
Cons
Gap insurance not availible
High rates for drivers with an incident on their record
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 quotes 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.
New Hampshire drivers who purchase liability coverage pay an average of $59 per month. The table below shows various insurers that offer liability insurance in New Hampshire.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company  | Average Monthly Quote |
|---|---|
| GEICO | $38 |
| State Farm | $42 |
| USAA | $45 |
| Liberty Mutual | $53 |
| Safeco | $55 |
| National General | $61 |
| Progressive | $63 |
| Direct Auto | $65 |
| Bristol West | $72 |
| Foremost | $74 |
| Allstate | $79 |
| Nationwide | $100 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes 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 it covers damages and losses from theft, vandalism, falling objects, and weather events.
On average, a full-coverage policy in New Hampshire costs $113 per month. Below are the cheapest full-coverage car insurance companies in New Hampshire.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $67 |
| Safeco | $69 |
| State Farm | $73 |
| USAA | $77 |
| Progressive | $112 |
| Direct Auto | $112 |
| Liberty Mutual | $116 |
| National General | $131 |
| Allstate | $133 |
| Bristol West | $159 |
| Nationwide | $171 |
| Foremost | $179 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in New Hampshire
Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $67/mo for full coverage in New Hampshire.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance rates fluctuate with age. Teen drivers pay the most for car insurance because they have the highest risk of getting into accidents. Rates start to decrease for drivers around age 25. Around age 70, rates for senior drivers may increase slightly due to age-related risk factors.
The table below shows how car insurance rates vary for New Hampshire drivers in different age groups.
Age GroupAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageTeen drivers $106 $203 Adult drivers $49 $93 Senior drivers $47 $90 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 minimum liability limits:[3]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
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:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for the injuries you sustain if the driver at fault doesn’t have any or enough coverage to pay for them.
Collision coverage
Collision insurance covers damages when you hit something with your vehicle, either another car or an object, even if it’s your fault.
Comprehensive coverage
Comprehensive insurance pays for damages to your vehicle from fires, wildlife, weather, theft, vandalism, or anything else that isn’t a collision.
Gap coverage
If you finance or lease your vehicle, gap insurance pays the difference between the remainder of your auto loan and your insurance settlement after a total loss.
Cheapest car insurance in New Hampshire by driving record
Inclement weather, congested roads, and wildlife can lead to at-fault accidents in New Hampshire. Other incidents, such as driving under the influence and speeding tickets, can raise your premiums too. Insurers charge higher rates to drivers with an incident on their record because they see them as more of a risk to insure.
For example, Granite State drivers with incidents on their records pay an average of $161 per month for full coverage and $84 for liability-only coverage.
The table below shows how your car insurance rates in New Hampshire can change based on your driving record.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
|---|---|---|---|
| GEICO | $60 | $54 | $65 |
| State Farm | $66 | $59 | $72 |
| USAA | $71 | $64 | $77 |
| Liberty Mutual | $88 | $80 | $90 |
| Safeco | $88 | $80 | $90 |
| National General | $96 | $86 | $104 |
| Progressive | $99 | $92 | $107 |
| Direct Auto | $103 | $95 | $111 |
| Bristol West | $114 | $103 | $123 |
| Foremost | $123 | $111 | $126 |
| Allstate | $124 | $113 | $135 |
| Nationwide | $159 | $144 | $171 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in New Hampshire
Compare quotes from multiple insurers in minutes with Insurify
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Car insurance rates can vary widely from one city to the next since location directly affects traffic congestion, accident frequency, and rates of vehicle theft and vandalism. The table below shows liability-only and full-coverage rates for different cities in New Hampshire.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.Data reviewed by Konstantin Halachev7+ 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.
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageRochester $56 $95 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
The average cost of car insurance in New Hampshire is $113 per month for full coverage and $59 for minimum coverage. By comparison, the rates in neighboring Vermont are $148 and $67, respectively. In Maine, full-coverage averages $149 per month, and liability-only coverage averages $82 per month.
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 AM Best financial strength ratings. They also received high Insurify Quality Scores in Insurify’s proprietary rating system.
No. New Hampshire follows a fault-based system in car insurance.[4] 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.
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.
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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- New Hampshire General Court. "Title XXI Motor Vehicles."
- Insurance Research Council. "One in Eight Drivers Uninsured."
- New Hampshire Insurance Department. "2022 Automobile Insurance Consumer Frequently Asked Questions."
- NOLO. "New Hampshire Car Insurance Laws."
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Nick Dauk
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.
Nick has been a contributor at Insurify since October 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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.
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.