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.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 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.

Featured in

media logomedia logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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.

Featured in

media logomedia logo
Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 May 29, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates in New Hampshire

Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $59/mo for full coverage in New Hampshire.

*Quotes generated for Insurify users from New Hampshire within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from New Hampshire within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $129 per month, and liability-only coverage averages $55 per month. By comparison, the national average for full coverage is $215 and $104 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.

Quick Facts
  • Liability-only car insurance in New Hampshire costs, on average, $657 per year. Full coverage averages $1,548 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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Liberty Mutual 4.6$101$48Full coverage
Safeco4.2$68$45Discounts
GEICO4.4$58$38Coverage options
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.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best full-coverage insurance: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.9
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
806
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.
$48/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.
$100/mo

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

Read our Liberty Mutual review
Christopher - May 28, 2024
Verified

InsureMafia

It's truly unfortunate that I work hard for 60 hours a week, and yet, I have to pay outrageous prices for car insurance. It seems unfair to society that we are burdened with these costs simply because driving is a necessity in today's world. Driving without insurance is not the way to go, but maintaining insurance for our three vehicles costs us $418 a month. Many people go their whole lives without making a claim, yet insurance companies show no remorse for the working class. A lot of us weren't fortunate enough to have everything handed to us. I started working when I was 12. We will never have anything left to enjoy when we retire because the cost of living is so high. I earn a good income, but $400 is a significant amount to pay every month. When you see ads promising lower rates, you think there's a chance for relief. But then you find out the rates are the same as what you're already paying. It feels like another company is taking advantage of the working man. We deserve better. I hope the right people see this and make changes. Greed is the root of all evil.

John - May 28, 2024
Verified

Understanding my individual needs was a plus

Good.

Billie - May 27, 2024
Verified

Nothing Like the Promotion

They never responded to me.

Best for discounts and savings: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.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
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.
$65/mo

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

Read our Safeco review
Jennetta - May 19, 2024
Verified

Too High for Three Years Without a Claim and Only 5000 Miles of Local Driving

Search around, it's much too high.

Jonathan - May 19, 2024
Verified

The Moment You Have an Accident, Start Looking for a New Insurance Company

The experience was absolutely great until they decided not to renew my policy due to an accident. I felt so betrayed by a company that I had been using for over 5 years.

Samuel - May 13, 2024
Verified

Unfortunate Recent Experience with Safeco

I wouldn't recommend them. They keep increasing your premiums every year. Last time, they cited inflation as the reason, the time before that it was due to RVs, and the time before that because the Dodgers were high.

Best for coverage options: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$59/mo

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

Read our GEICO review
Diana - May 29, 2024
Verified

Too Expensive!

Way too expensive.

Andrew - May 29, 2024
Verified

Too Expensive

Too expensive. $115 a month for basic liability.

Kennethkenneth - May 29, 2024
Verified

I Want Out

They are too expensive.

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 $55 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, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
GEICO38
State Farm42
USAA44
Safeco46
Liberty Mutual48
Progressive63
Bristol West77
Foremost77
Allstate78
Nationwide98
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 Cheap Car Insurance in New Hampshire

Unlock savings and discounts when you compare rates through Insurify

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $129 per month. Below are the cheapest full-coverage car insurance companies in New Hampshire.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
GEICO59
State Farm65
Safeco65
USAA69
Midvale Home & Auto70
Progressive99
Liberty Mutual100
Allstate119
Nationwide152
Bristol West177
Foremost185
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.

How much other Insurify users in New Hampshire pay

Drivers in and around New Hampshire have found policies from Nationwide, Progressive, Foremost, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. 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 May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. 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 liability limits:[3]

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

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

  • illustration card https://a.storyblok.com/f/162273/x/9ffcc07fc9/damage-from-aircraft.svg

    Property damage liability

    $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:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    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?

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 $188 per month for full coverage and $80 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

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $227 for full coverage and $97 for liability only.

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

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
GEICO8656
State Farm9461
Safeco9668
USAA10164
Progressive14592
Liberty Mutual15976
Allstate173114
Nationwide224144
Bristol West256112
Foremost295123
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 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 $178 per month for full coverage and $76 for liability only. To start your search for car insurance after an at-fault accident, here are the cheapest insurers in New Hampshire.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
GEICO7750
Safeco8258
State Farm8555
USAA9058
Progressive13284
Liberty Mutual14369
Allstate156102
Nationwide201129
Bristol West22899
Foremost265110
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 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 $206 for full coverage and $88 for minimum coverage. Here are average monthly quotes for New Hampshire drivers with a DUI from top car insurance companies.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
GEICO9762
State Farm10769
Safeco10775
USAA11372
Progressive162103
Liberty Mutual16479
Allstate195128
Nationwide249161
Bristol West290126
Foremost303126
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 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 $88 per month for full coverage and $38 for liability only. The table below shows the cheapest insurers in New Hampshire for older drivers.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
GEICO4327
State Farm4629
Safeco4834
USAA5032
Progressive6441
Liberty Mutual7234
Allstate8757
Nationwide10366
Bristol West12956
Foremost13155
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $232 per month for full coverage and $99 for liability only.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
GEICO9360
State Farm11071
USAA11473
Safeco13696
Progressive179114
Liberty Mutual18689
Allstate208136
Nationwide259167
Bristol West301131
Foremost327136
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

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. 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.

  • How much is car insurance in New Hampshire?

    The average cost of car insurance in New Hampshire is $129 per month for full coverage and $55 for minimum coverage. By comparison, the rates in neighboring Vermont are $157 and $67, respectively. In Maine, full-coverage averages $173 per month, and $89 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:

  • 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. New Hampshire General Court. "Title XXI Motor Vehicles."
  2. Insurance Research Council. "One in Eight Drivers Uninsured."
  3. New Hampshire Insurance Department. "2022 Automobile Insurance Consumer Frequently Asked Questions."
  4. New Hampshire Department of Health and Human Services. "Weather Hazards."
  5. NHTSA. "Speeding and Aggressive Driving Prevention."
  6. III. "Do auto insurance premiums go up after a claim?."
  7. New Hampshire Division of Motor Vehicles. "Insurance Requirements / SR-22."
  8. Insurance Institute for Highway Safety. "Older drivers."
  9. Insurance Institute for Highway Safety. "Teenagers."
  10. New Hampshire Office of Highway Safety. "Highway Safety Plan 2021."
  11. New Hampshire Insurance Department. "Understanding How Insurers Use Credit Information."
  12. Nolo. "Do You Need Car Insurance in New Hampshire?."
Nick Dauk
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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.

Featured in

media logomedia logo
Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all