New Hampshire drivers have two options for car insurance: demonstrating the ability to pay for damages after an at-fault accident or buying state-minimum requirements.^[1] Even though New Hampshire doesn’t have a requirement to carry car insurance, some drivers may not feel comfortable driving without insurance.

Accidents and incidents can happen, which is why it might be a good idea to buy car insurance, even if you can prove financial responsibility. In New Hampshire, the average costs of car insurance are $84 a month for liability only and $114 a month for full coverage.

Quick Facts

Liability-only car insurance in New Hampshire is 51% cheaper than the national average.
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.^[1]

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Best 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.

Best full-coverage insurance: Liberty Mutual

Full-Coverage InsuranceLiberty 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.	3.8
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	819
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.	$97/mo

Overview

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 A.M. Best, and an A2 from Moody’s.

Pros and cons

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

Reviews

I don’t like talking to a computer. I’m a one-on-one kind of person.

James - September 13, 2023

Verified

Good response time.

Chesarae - September 9, 2023

Verified

Very easy to deal with.

Renaldo - September 5, 2023

Verified

Read our Liberty Mutual review

Best for discounts and savings: Safeco

Discounts and SavingsSafeco

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.	3.7
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	825
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.	$74/mo

Overview

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 and cons

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

Reviews

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023

Verified

Concern-free claims processing.

Billy - August 26, 2023

Verified

My rates have risen twice since being with them with no notice. They also screwed up my account by using the wrong Vin number.

Glenn - August 10, 2023

Verified

Read our Safeco review

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. The cheapest liability-only car insurance company in New Hampshire is Liberty Mutual, with an average rate of $61 a month, according to Insurify data.

Insurify uses data to analyze and compile auto quotes and calculate average car insurance costs to help drivers shop for insurance. Limited data in New Hampshire affects how Insurify presents average quotes in the state, but understanding what affects your premiums and how to shop for car insurance may help you choose the best insurer for your liability coverage needs.

Cheapest full-coverage car insurance in New Hampshire

Full-coverage policies are a good idea for drivers with newer vehicles who may not be able to repair them after an incident. Because a full-coverage policy typically includes comprehensive coverage, 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.^[2] “Unusual weather events can happen at any time, especially because of shifting patterns due to climate change,” he says.

Here are the cheapest full-coverage car insurance companies in New Hampshire.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Safeco	74
Liberty Mutual	97

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.

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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:^[1]

Bodily injury liability
$25,000 per person and $50,000 per accident
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:

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

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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.^[3]

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. Here are the cheapest New Hampshire insurers for drivers with a speeding ticket.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Safeco	135
Liberty Mutual	177

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.^[4] Mistakes happen, but because your insurer will have to pay for damage you cause, it can raise your premiums significantly.

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: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Safeco	111
Liberty Mutual	145

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.^[5] Furthermore, DUIs are serious charges that insurers typically penalize with the highest prices.^[4] If you have a DUI on your record, expect your New Hampshire insurance premiums to almost triple. Here are the cheapest car insurance companies for drivers with a DUI in New Hampshire.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Safeco	133
Liberty Mutual	175

Cheapest car insurance for seniors

Drivers will notice their premiums decrease around age 35, then increase again around age 75. Even with more driving experience, senior drivers are more at risk for specific types of crashes, like merging crashes and intersection crashes.

Impaired driving ability due to medication use and physical, cognitive, or visual impairment increases the risk of accidents, which is why insurers often increase premiums for older drivers.^[6] However, senior drivers in New Hampshire generally pay lower average costs than younger drivers. The table below shows the cheapest insurers in New Hampshire for older drivers.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Safeco	35
Liberty Mutual	46

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.^[7] However, New Hampshire has a low number of fatal accidents for drivers younger than 20 each year.^[8]

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.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Safeco	133
Liberty Mutual	175

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 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.

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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.^[9] Insurers may use credit scores to determine how likely a driver may be to file 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 $84 a month for liability-only coverage and $114 a month for full coverage.
What are the best car insurance companies in New Hampshire?
Some of the best car insurance companies in New Hampshire are GEICO, USAA, 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.^[10] 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.^[1]

Insurify Insights

How New Hampshire Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in New Hampshire below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how New Hampshire drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Civic

#47

State with the Most Speeding Tickets Rank

#42

State with the Moving Violations Rank

#32

State with the Most DUIs Rank

#42

State with the most Suspended Licenses

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. New Hampshire is the #30 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #30
- Percent of drivers in New Hampshire with an accident: 8.3%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New Hampshire is the #32 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #32
- Percent of drivers in New Hampshire with a DUI: 1.2%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. New Hampshire is the #46 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #46
- Percent of drivers in New Hampshire with a reckless driving offense: 0.8%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. New Hampshire is the #43 state in the country for drivers with a rude driving violation on record.
- Rank among states: #43
- Percent of drivers in New Hampshire with a rude driving violation: 1%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. New Hampshire is the #47 state in the country for drivers with a speeding ticket on record.
- Rank among states: #47
- Percent of drivers in New Hampshire with a speeding ticket: 6%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. New Hampshire is the #40 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #40
- Percent of drivers in New Hampshire with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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.

More cities in New Hampshire

Car insurance in Rochester

More states

Sources

New Hampshire Insurance Department. "2022 Automobile Insurance Consumer Frequently Asked Questions." Accessed June 29, 2023
New Hampshire Department of Health and Human Services. "Weather Hazards." Accessed June 29, 2023
NHTSA. "Speeding and Aggressive Driving Prevention." Accessed June 29, 2023
III. "Do auto insurance premiums go up after a claim?." Accessed June 29, 2023
New Hampshire Division of Motor Vehicles. "Insurance Requirements / SR-22." Accessed June 29, 2023
Insurance Institute for Highway Safety. "Older drivers." Accessed June 29, 2023
Insurance Institute for Highway Safety. "Teenagers." Accessed June 29, 2023
New Hampshire Office of Highway Safety. "Highway Safety Plan 2021." Accessed June 29, 2023
New Hampshire Insurance Department. "Understanding How Insurers Use Credit Information." Accessed June 29, 2023
Nolo. "Do You Need Car Insurance in New Hampshire?." Accessed June 29, 2023

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.

Learn More

Edited byCourtney MikulskiSenior Editor, Auto

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.

Read Editorial Guidelines

View Full Bio

Featured in

Data reviewed byKonstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Save up to $717 by comparing quotes from the top 70+ insurance companies

Table of contents

Table of contentsCompare quotes

Find Car Insurance in New Hampshire

Best car insurance companies in New Hampshire

Best full-coverage insurance: Liberty Mutual

Full-Coverage InsuranceLiberty Mutual

Best for discounts and savings: Safeco

Discounts and SavingsSafeco

Cheapest liability-only car insurance in New Hampshire

Cheapest full-coverage car insurance in New Hampshire

Estimate your insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in New Hampshire

Bodily injury liability

Property damage liability

Uninsured/underinsured motorist coverage

Collision coverage

Comprehensive coverage

Gap coverage

Learn More: How Much Car Insurance Do You Need?

Cheapest car insurance for drivers with an incident

Find Car Insurance in New Hampshire

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in New Hampshire

Find Car Insurance in New Hampshire

New Hampshire car insurance quotes by credit tier

Rates by Credit Tier

New Hampshire car insurance FAQs

Insurify Insights

How New Hampshire Drivers Measure Up

Honda Civic

#47

#42

#32

#42

Methodology

Related articles

More cities in New Hampshire

More states

Sources

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