Cheap Auto Insurance Quotes in New Hampshire (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$40
$69
$85
$106
$112
$171
$212
ProgressiveAllstateGEICOAmerican FamilyTravelersThe GeneralState Farm
Monthly $
CityCheapest Carrier
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

Cheapest Liability Auto Insurance in New Hampshire

For drivers in New Hampshire, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in New Hampshire. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in New Hampshire.

Cheapest Full Coverage Auto Insurance in New Hampshire

For drivers in New Hampshire, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in New Hampshire. The following are the best insurance rates from carriers that offer full coverage auto insurance in New Hampshire.

New Hampshire Driving Facts

new-hampshire

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

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 Company
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 Company
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 Company
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 Company
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 Company
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.

Insurify Insights: How New Hampshire Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how New Hampshire drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents New Hampshire

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. Among all fifty states, New Hampshire drivers rank 8 in the number of car accidents per driver.

  • Rank of States: #8
  • Percent of drivers in New Hampshire with an accident: 11.77%
  • Drivers in NH with an accident in their driving history paid on average 34.78% more than drivers with a clean record

Speeding New Hampshire

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. New Hampshire drivers rank 33 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #33
  • Percent of drivers in New Hampshire with a speeding ticket: 9.23%
  • Drivers in NH with a speeding ticket in their driving history paid on average 41.74% more than drivers with a clean record

DUI/DWIs New Hampshire

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New Hampshire drivers rank 32 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #32
  • Percent of drivers in New Hampshire with a DUI: 1.72%
  • Drivers in NH with a DUI in their driving history paid on average 37.39% more than drivers with a clean record

Most Popular Vehicle New Hampshire

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in New Hampshire is the Honda Civic.

Rude New Hampshire

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, New Hampshire drivers rank 15 in rude driving infractions.

  • Rank of States: #15
  • Percent of drivers in New Hampshire with a reckless driving violation: 1.58%
  • Drivers in NH with a reckless driving violation in their driving history paid on average 38.26% more than drivers with a clean record.

Safest Drivers New Hampshire

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; New Hampshire drivers rank 27 in clean driving records across all fifty states.

  • Rank of States: #27
  • Percent of drivers in New Hampshire with clean record: 79.96%

Street Racing New Hampshire

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, New Hampshire drivers rank 39 in street racing violations per driver.

  • Rank of States: #39
  • Percent of drivers in New Hampshire with a street racing violation: --%

Failure to Yield the Right of Way New Hampshire

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. New Hampshire drivers rank 48 in failure to yield violations per driver across all fifty states.

  • Rank of States: #48
  • Percent of drivers in New Hampshire with a failure to yield violation: 0.22%
  • Drivers in NH with a failure to yield violation in their driving history paid on average 3.48% more than drivers with a clean record

Reckless Drivers New Hampshire

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. Among all fifty states, New Hampshire drivers rank 9 in the number of reckless driving offenses per driver.

  • Rank of States: #9
  • Percent of drivers in New Hampshire with a reckless driving offense: 0.22%

Hybrid/Electric Vehicle Ownership New Hampshire

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. New Hampshire drivers rank 37 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #37
  • Percent of drivers in New Hampshire with a hybrid/electric vehicle: 0.64%

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

Nashua

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.