Cheap Auto Insurance Quotes in New Hampshire (2021)

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Add a "Wicked Good Car Insurance" next to your "This Car Climbed Mount Washington" bumper sticker

Live Free or Die. Nearly 1.4 million people are free to ski, hike, and stare at the breathtaking beauty of the New Hampshire sunrises. All the outdoor activities might leave you hungry for pancakes, steak bombs, or American chop suey. If you can’t take the snowmobile to get something to eat, then you’ve got to take the car.

Here’s our guide to the best and cheapest car insurance quotes in the Granite State.

Cheapest Car Insurance in New Hampshire

Here are the cheapest carriers in New Hampshire for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in New Hampshire.

Best Car Insurance in New Hampshire

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in New Hampshire. For the complete list, see Insurify's best car insurance companies.

Car Insurance in New Hampshire

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in New Hampshire to find you the cheapest quotes in each of these metropolitan areas.

Manchester is the most populous city in New Hampshire.

CityCheapest CarrierQuote
ProgressiveProgressive
$40/mo
GEICOGEICO
$84/mo
AllstateAllstate
$62/mo
GEICOGEICO
$75/mo
GEICOGEICO
$71/mo
GEICOGEICO
$86/mo
GEICOGEICO
$79/mo
GEICOGEICO
$72/mo
AllstateAllstate
$75/mo
GEICOGEICO
$77/mo
AllstateAllstate
$69/mo
GEICOGEICO
$81/mo
GEICOGEICO
$77/mo
AllstateAllstate
$75/mo
ProgressiveProgressive
$80/mo
AllstateAllstate
$58/mo
AllstateAllstate
$75/mo
AllstateAllstate
$59/mo
ProgressiveProgressive
$26/mo
ProgressiveProgressive
$85/mo

New Hampshire Driving Facts

Minimum Car Insurance Requirements in NH

In the state of New Hampshire, car insurance is not mandatory. The state requires drivers to pay for any injury or property damage arising from their vehicles. To avoid legal repercussions of an unexpected accident, it is recommended that New Hampshire drivers purchase insurance just in case.

New Hampshire's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $25,000 uninsured/underinsured motorist property damage coverage
  • $1,000 medical payments coverage
new-hampshire

Cheapest Car Insurance Quotes in New Hampshire by Profile

Here are the cheapest insurance companies in New Hampshire based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For New Hampshire drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in New Hampshire, at $26 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuotes
Progressive
$26/mo
Allstate
$58/mo
GEICO
$71/mo
Travelers
$81/mo
American Family
$94/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance CompanyQuotes
USAA
$34/mo
Concord
$40/mo
MMG
$47/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuotes
USAA
$26/mo
Concord Group
$29/mo
Patriot Group
$29/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuotes
USAA
$22/mo
Concord Group
$26/mo
MMG
$28/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of New Hampshire, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. GEICO offers the cheapest car insurance rates for young drivers, averaging $12 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, New Hampshire 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young New Hampshirites lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance CompanyQuotes
GEICO
$12/mo
USAA
$17/mo
Concord
$25/mo

SR‌-22 Insurance in New Hampshire

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of New Hampshire on your behalf.

NH DMV Information

The New Hampshire Division of Motor Vehicles (DMV) has 15 locations open from 8:00 AM to 4:30 PM. The DMV is walk-in friendly, but you must schedule an appointment for driver license road tests. The online portal lets you skip the drive if you need to renew your driver’s license or pay a ticket. 

If you’re new to the state:

New residents must register their vehicles and get a license within 60 days of establishing residency. To register your vehicle, you must take the following to the town or city clerk’s office:

If you own your car:

  • Title
  • Proof of residency
  • If your car is leased or has a lienholder:
  • Out-of-state registration
  • Lease agreement, if applicable
  • Lienholder’s name and address
  • Proof of residency

You can transfer your out-of-state license if it is not expired, suspended, or revoked. You must go to any DMV office with the following:

  • Two proofs of identity
  • One proof of New Hampshire residency with name and physical address dated within the last 60 days.
  • One proof of a legal name change, if applicable

You then must pass a vision test, pay your license fee, and have your picture taken.

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in New Hampshire

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of New Hampshire offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Manchester

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Nashua

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Nashua won Insurify's Most Patriotic Cities Award for the state of New Hampshire. In 1775, many minutemen from the area (then called Dunstable) fought in the Battle of Bunker Hill during the Revolutionary War.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in New Hampshire is vital for all car insurance shoppers hitting the road in The Granite State.

road with cars illustration

Road Rankings

9%Rural Roads in
Poor Condition

#19
Ranked

13%Structurally Deficient
Rural Bridges

#7
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#35
Ranked


FAQs - New Hampshire Car Insurance

What happens if I get caught driving uninsured in New Hampshire?

It depends. New Hampshire technically doesn’t require car insurance. But if you’re involved in an accident or convicted of certain violations, there can be strict penalties. In those cases, your vehicle registration, license plate, and driver’s license will be suspended until any judgments or requirements are fulfilled. There’s $125 of registration and license reinstatement fees, and the need for SR-22 filing for three years. 

How is fault assigned after a car accident in New Hampshire?

New Hampshire is an at-fault state, not a no-fault state. In New Hampshire, the person responsible for the accident pays for medical expenses and damages. In a no-fault state, the insurance provider pays legitimate claims regardless of fault.

Who has the cheapest car insurance in New Hampshire?

The best way to find the cheapest car insurance for New Hampshire drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.